davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

In XX/XX/2023, I called Citizens stating I will be late for XXXX payment. The representative offered me a forbearance plan, that it can be reviewed for XXXX, XXXX plus XXXX to XXXX. I said sure, why not. I was going through a hardship. I submitted the application, followed up on my end after XXXX to continue payments, but what told they are still reviewing my application, they told me I need to call in XXXX. XXXX week of XXXX they told me that my application is still being reviewed, to call In XXXX. When I called on XX/XX/XXXX, they told me there is a lien on my title and they closed my application. They closed my application since XXXX and nobody has contacted me. However, XX/XX/XXXX, the same day, I satisfied the lien as soon as I found this information out and submitted a new application. They reassured me they will be contacting me, I call every week for an update. I have callled numerous times to speak with a supervisor and nobody is ever available. Again in XXXX, my application has been closed due to liens on title and nobody has contacted me again!!! They told me they received my satisfaction of lien mid XXXX when I called. NOW THEY ARE TELLING ME TO SEND IT AGAIN AFTER CLOSING MY APPLICATION XX/XX/XXXX!! I have never received XXXX phone call from citizens. I have a print out of my telephone record, from my phone company itself to show no incoming calls have ever came from citizens. I am now about XXXX payments passed due, with no help from their team, and all I keep getting information from is people that are not even in the US. I need help with this! I need to be heard! 
THERE IS NO LIEN ON MY TITLE ANYMORE. THEY HIRE PEOPLE FROM OUTSIDE OF THE US TO HANDLE FORBEARANCE AND FORECLOSURES WITHOUT THEM SPEAKING PROPER ENGLISH TO BE ABLE TO PROPERLY ASSIST YOU. THEY DONT WANT YOU TO SAVE YOUR HOUSE. THEY ARE VERY UNETHICAL, FRAUDULENT AND THEIR CUSTOMER SERVICE IS HORRIBLE FOR A COMPANY LIKE THIS. THEY LIE AND LIE AND LIE. I NEED SOMEBODY TO HELP ME, NOT ASKING FOR A FAVOR! This is really life or death here. The agents really stay on the phone for 39 mins arguing with you about nobody being available to further assist you.
Consumer complaint received 2024-07-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I took a loan from Toyota Financial Services I set my loan up for the payment to be automatically withdrawn from my checking account. When I was setting it up a late fee was put on the loan. In XX/XX/year> i was told that any payments over the amount due would be applied to the principal of the loan. I am coming to the end of the loan and I noticed the late fee is not being applied to the loan. Toyota is just taking the money. I have attached XXXX and XXXX 's Billing statements. You can see the late fee is not being applied to the loan.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX, I responded to an offer that came in the mail for a pre-approval Bread Cashback American Express credit card with a {$200.00} bonus if the cardholder spends {$1000.00} in the first three months of account open ( attached. ) The prescreen ID expired on XX/XX/XXXX but Id lost track of days that holiday week, so when the link directed me to an application for the same card, I assumed it was the same offer. I filled out the application, which was immediately approved. 

What was NOT made clear, and in fact what was very misleading, was that Id been routed to an application for a different credit card account, XXXX that did not offer a {$200.00} cash back bonus. 

That {$200.00} cash back bonus was the only reason I wanted the card. So I immediately called Comenity Capital Bank ( XXXX ) - the bank administering the Bread Cashback card - and cancelled it. ( Comenity 's letter acknowledging the account closure - attached ) To my dismay, although Id opened the account based on misleading information, and although Id had the account for less than XXXX minutes, and more so, had been told I was pre-approved ( also misleading, ) Comenity Capital Bank conducted XXXX HARD INQUIRIES on my credit report ( attached ) as follows : XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX - EXPERIAN XX/XX/XXXX - CCB/BreadCashback - XXXX XX/XX/XXXX CCB/BreadCashback - XXXX So on XX/XX/XXXX, I called Comenity Capital Bank and spoke with XXXX who XXXX it was possible XXXX remove these hard inquiries but that I had to write to Comenity Capital Bank, XXXX XXXX XXXX XXXX XXXX, OH XXXX, to request they be removed. 

As XXXX advised, on XX/XX/XXXX, I wrote to Comenity Capital Bank requesting they remove the XXXX hard inquiries, explaining that the application process had been misleading. ( letter attached ) The only response I received was XXXX letters ( attached ) : XXXX saying they would correct my credit report and one saying that the information was accurate since I did open an account. 

There was no acknowledgment of my having applied for a XXXX XXXX credit card under misleading circumstances, nor did they address the fact that the account had been closed within minutes. 

In the end, Comenity did not remove the XXXX hard inquiries as I requested on valid grounds.
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX Balance : {$990.00} XXXX  XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-10
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. (MI)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my credit report to this compliant on the following dates ( XX/XX/XXXX and XX/XX/XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (NJ)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am filing to formally request your assistance in addressing an issue with my credit report. I recently satisfied a collection account with XXXX XXXX XXXX, which now reflects a {$0.00} balance. Despite this, the account continues to appear on my credit report, negatively impacting my credit score and overall financial standing.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

Upon reviewing my updated personal credit report, I discovered that unauthorized credit inquiries persist. It appears that my credit has been compromised under your oversight. Despite submitting FTC report # XXXX, these inquiries remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries listed below. This letter addresses several unauthorized hard credit inquiries on my credit report, with THREE ( 3 ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference. I am deeply disappointed by your inaction. When will EQUIFAX remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries : XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This letter serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. This is my LAST WARNING. Please remove the inquiries resulting from erroneous credit reporting. Thank you for your prompt attention to this matter.
Consumer complaint received 2015-12-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (ID)

Approximately XXXX, 2015 paperwork was filed with NationStar Mortgage for a loan modification. NationStar informed the modification was not received so the paperwork was sent again. Again it was apparently not received. 
XXXX of 2015 I XXXX XXXX of XXXX XXXX was hired to sell the property prior to Foreclosure Auction. XXXX investors discussed an offer of {$100000.00}. An offer was then submitted and accepted for {$110000.00}. According to the original payoff information provided by NationStar that would cover the XXXX & XXXX mortgage. XXXX XXXX, 2015, current payoff information was obtained by XXXX XXXX as closing on the sale was set for XXXX XXXX, 2015. At this time it was discovered that there was not enough funds to cover the sale. A short sale process was initiated. Information was sent to NationStar a XXXX time and also uploaded through the " XXXX XXXX ''. This was approximately XXXX XXXX, 2015. 
XXXX XXXX, 2015 Notice was given through XXXX that the short sale request on the first mortgage was denied and to continue working on the XXXX mortgage short sale. This has been an ongoing process. 
Property is set for Foreclosure Auction XXXX XXXX, 2015 and NationStar is neglecting to proceed in completing the short sale request to complete the sale and remove the auction Status. This is email sent today by XXXX XXXX to Asset Manager, Supervisor and " ManagerNSProcessing '' through XXXX. " My client and I would like to know who to file a complaint with regarding these loans and the status. XXXX XXXX has sent in paperwork twice for a loan modification which NationStar told her were not in the system. XXXX XXXX I began the process of short sale on the property and we have been in constant communication since. XXXX XXXX is our XXXX XXXX, he is who I have been working with. Last week I asked about progress on the loan, XXXX XXXX stated he would send a request for the XXXX, it was not on file yet. I just got of the phone with Rep who says request was sent yesterday! My client spoke to someone this morning referring her to a XXXX XXXX and was informed we are handling the process incorrectly and I should have spoken to a manager and provided XXXX and much more. All of this has been provided through XXXX and much more. Foreclosure auction is set for XXXX XXXX for at {$75000.00}, we have an offer and buyers waiting to complete sale at {$110000.00}. ''
Consumer complaint received 2023-03-17
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: SYNCHRONY FINANCIAL (OH)

There are 2 charges for {$57.00} posted XX/XX/2023 I didnt authorize or make. Disputed There 2 charges from XXXX XXXX  1 charge {$120.00} I returned both item I received on XX/XX/2023 through UPS and I have a tracking number. 

1 charge & 3?.? I cant see the chart but I had disputed this with the bank item was canceled before it would ship because it wasnt available. 

I closed that card and waiting on a new card. 

Seeking refunds of : {$57.00}. Unauthorized {$57.00} Unauthorized {$120.00} returned merchandise XXXX XXXX  tracking : XXXX {$3.00}??? Canceled and unauthorized XXXX XXXX
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (VA)

On XXXX XX/XX/2024, I applied for an XXXX travel rewards card through Barclay 's. On XXXX XXXX, I received a call stating that I needed to call Barclay 's to verify some information. As it was a long weekend, I returned the call on XXXX XXXX. Upon speaking with someone I was asked to verify the last 4 digits of my social security number and my name. I was put on hold and passed to another representative. That representative told me that I needed to mail a copy of my social security card and a copy of the front and back of my driver 's license. I found this to be unusual and said that I wanted to stop the application process.
Consumer complaint received 2023-10-02
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: EQUIFAX, INC. (TX)

This Company / Credit Reporting Agency refuses to remove inaccurate, fraudulent accounts and information from my federally protected consumer report. The Credit Reporting Agency contiues to " Verify '' the accounts with the Fraudulent Companies that I have disputed. Further, They have failed to " VALIDATE '' any of the accounts listed in the compla

int. THIS IS FRAUD and The Credit Agency is NOT IN COMPLIANCE! 
These accounts have been disputed multiple times over several years! 

I DEMAND THAT THESE ITEMS BE REMOVED IMMEDIATELY! 

Proof is in the amount of complaints and the constant updating of the status to " Verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I DEMAND THE ITEMS BE REMOVED IMMEDIATELY! NOT 30 DAYS! NOW!!!
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (IA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.