davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

I 'm about to sell my house ( in fact my closing date is next week ), but I 'm still having problems with m  y Chase mortgage.
In the last two   months as I 've dealt with the various expenses associated with getting the house sold, I 've run into an issue where I need to pay the mortgage a couple days late. When I called and asked for an extension for a couple days they refused, but they told me that if I make the payment late but then call them and explain they 'll waive the late fee after the fact. So I did this in  XXXX  and they told me they 'd waive the late fee and I could pay online. However, when I went to pay online, the system would only allow me to submit the amount that included the late fee. I had enough in my account for the mortgage but not the late fee, so my payment bounced and after some other charges, I had to attempt the payment again later. At which point I got charged another late fee. I wound up having that  one  waived, too, and when this rippled into my  XXXX  payment, they told me the same thing -- to call in when I made the late payment and the late fee would be waived. But they 're now denying that they agreed to waive the late fee, and I 'm worried that trying to contest it will cause problems as the sale is finalized next week.   This is not my first problem with  XXXX  hase -- in fact they sabotaged my credit. A few years ago ( before the CFPB existed, I think ), Chase  was depositing a slightly smaller amount towards my mortgage than what I owed -- I swear I was writing the check for the right amount. Anyway, after a few months of this discrepancy I was behind just a few dollars on my mortgage, and this put me into default!    Chase has been an awful mortgage company. My bad mortgage is why I have to sell my house now, and has been an enormous stress these last 11 years. I would discourage anyone from taking out a Chase  mortgage.
Consumer complaint received 2019-10-22
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 — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX shows 30 days late payments on XX/XX/XXXX, XXXX & XX/XX/XXXX while XXXX & XXXX shows 30 days late payments on XXXX, XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-11-07
Product: Credit 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: NAVY FEDERAL CREDIT UNION (NV)

On or around XX/XX/XXXX. I was XXXX XXXX XXXX XXXX XXXX  for XXXX. I was using a rental car through XXXX. I had restarted my XXXX XXXX XXXX  after a long break after XXXX. I rented cars specifically through XXXX for more than a year, prior to XXXX, without incident. This time the weekly funds were debited from my credit card. I was unaware of the additional step to call XXXX to extend the rental as this was never done before. The car was automatically extended once the payment was made as I was a XXXX XXXX  and its typical for a XXXX XXXX to have the rental car for an extended period of time, unlike normal rental car customers for vacations and leisure activities. As a result XXXX said my car was stolen, agian not due to not receiving payment, but because I didn't simply call to extend the car. XXXX sent a tow truck driver to pick up the car, illegally and charge my credit card over {$1000.00} for recovery. I believe I was wronged on two ends. I should not of been charged this amount by XXXX and Navy Federal should not of allowed the charge to go through as it made my card over the spending limit. I have suffered greatly from this action. My credit score has dropped and I have a very hard time keeping up with these payments. I have a seperate complaint with XXXX and Navy Federal as well. The same card was charged for another rental car that I never received. This was the week of XX/XX/XXXX, during a nationwide outage of internet. Airline travel was grounded and rental cars were sold out. I disputed the charge when it came through. However Navy Federal said XXXX proved to them that I had the car and nothing could be done about it. I have suffered greatly from these two companies.
Consumer complaint received 2017-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NV)

We are in the process of closing a chapter  XXXX  bankruptcy ( filed in  XX/XX/XXXX  ). During the period of the 5 years, we have ha d  3 m ort gage companies - we were with   XXXX   XXXX   XXXX  , and were in the process of a modification loan, and as soon as the bankruptcy was filed,  XXXX  took our loan back, and ignored the modification loan we were almost finished with. During the time of paying  XXXX , their bookkeeping was horrible, and kept saying were behind in our payments - even went to the bankruptcy court with it, and the court said that we were current. Then they switched us to Fay Servicing, with the note that we were 4 months behind in our payments, and they also had the wrong payment. Fay Servicing is our current Loan Servicing company, and even though we have showed them the last 6 years of payments ( which we have not missed one ), they keep insisting we are behind in our payments, and threaten with foreclosure.
Fay Servicing also went to the bankruptcy court saying we were behind, and the court said unless they showed proof we were still paying every month. No matter who we contact at Fay Servicing whether it is a representative, or their attorneys they still have no proof that we are behind. The information they received from   XXXX   was incorrect. As I stated we have showed them proof of 6 years of payments copy of the check, and the amount coming out of bank account. My bankruptcy attorney tried to help me, but his expertise is in bankruptcy, not mortgage problems. We need help with these people who keep harrassing us, before they decide to foreclose when we have n't missed any payments. We have been with Fay Servicing since  XX/XX/XXXX , and just get nowhere with them to correct the problem.
Consumer complaint received 2017-05-18
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: EQUIFAX, INC. (LA)

My complaint is against Equifax and  XXXX . There are liens appearing on both. The liens are  PAID. T he liens were filed " after the fact ''. The debt was satisfied before the liens were filed. Yet, they refuse to remove since the liens were filed in error. They are going to keep on my files for 10 years. This is absolutely insane. This is causing me much   XXXX   as I am attempting to purchase a home. As long as the loans appear on file, even though they are paid, lenders are declining credit or charging exhorbitant interest rates. I did not have this same problem with   XXXX  . Equifax and   XXXX    should be held accountable. They are truly inept and have horrible customer service agents. Why do we have to have (  XXXX  ) bureaus, any way? This is absurd ... ..
Consumer complaint received 2024-09-20
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-23
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: Experian Information Solutions Inc. (TX)

I am writing to dispute several erroneous inquiries that appear on my credit report. After reviewing my credit report, I noticed that there are multiple inquiries that were made without my permission or knowledge, and which are negatively impacting my credit score. 

According to the Fair Credit Reporting Act, any inquiry made on my credit report without my permission is considered unauthorized and must be removed. I request that you investigate these inquiries and remove them from my credit report as soon as possible. 

I have included a copy of my credit report highlighting the unauthorized inquiries for your reference. In addition, I have not authorized any new credit accounts or inquiries recently, and I have not applied for any new loans or credit cards that would result in these inquiries. 

I believe that the presence of these erroneous inquiries on my credit report is unfair and is negatively affecting my credit score. Therefore, I request that you remove them immediately and notify me in writing of your findings. 

Thank you for your prompt attention to this matter. Please let me know if you require any additional information or documentation to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted  XXXX  asking them to take my public records and tax liens off of my credit. It is still on there and I am wanting it removed. I know there is a new law for credit reporting companies to take those things off of your credit I have asked them and they will not do so.   Thank you
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I 'm trying to get a loan for a mortgage on a house and equifax is saying that the applicant ( me ) is blocked and are n't giving my credit report to the lender. It 's been  three  weeks and I 've faxed them all my information that they 've asked for which was my Ssn and id and they 've told me that all three times I 've sent it to them that they have n't received anything from me. The first time I faxed them was on the   XX/XX/XXXX   then  XX/XX/XXXX    then again on the   XX/XX/XXXX   and nothing has helped
Consumer complaint received 2017-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (ME)

Once payback of the loan started we attempted to pay more than the required amount. We asked that the extra amout be applied to principal and were told that was not possible but instead needed to first be put towards the interest and any amount remaining would then be put to the principal. The loan amount originally was greater than 40,000 . I am certain if the extra payments had gone to principal we would have paid significantly less interest.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Transunion is reporting that I have an open Chapter  XXXX  bankruptcy. The case was closed without a discharge because I submitted my financial instructional course too late. My attorney would not re-file to reopen the case. T he US Bankruptcy Court gave  me a Notice - CASE CLOSED WITHOUT A DISCHARGE. I have spoken to  3 different supervisors in the past month and filed at least 4 disputes to have this  removed from my credit report. The other  XXXX  credit reporting agencies deleted the Chapter  XXXX  from my report without any issues with the same exact documents I have provided to Transunion. I do n't know what else to do, I have disputed on line, on the phone I have provided documentation from the court. I went down to the courthouse because  one o f the supervisors told me the court was reporting it as active, however when I told that to the clerk he in turn showed me the same document they have on file " NOTICE CASE CLOSED  WITOU A DISCHARGE. My case is closed, not discharged, not  dismissed. It needs to be deleted.
Consumer complaint received 2017-07-16
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: Experian Information Solutions Inc. (FL)

Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  ,  XXXX ,  XXXX , Experian to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all  XXXX  credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent.
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 XXXX  1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX    XXXX  1.   XXXX   XXXX   2.  XXXX  3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX    accounts   XXXX   1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.   XXXX   4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX
Consumer complaint received 2017-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  ,  XXXX , Transunion,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by credit karma that my score has been declining, and the accounts we 're opened without my consent.
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 XXXX  1.   XXXX   XXXX     XXXX   accounts 2.   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX    XXXX  1.   XXXX   XXXX   2.  XXXX  3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX
Consumer complaint received 2017-07-16
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: Experian Information Solutions Inc. (TX)

A collection/debt appeared on my Experian Credit report, it was removed for reasons of No Contract, Not verified The first investigation proved the account was inaccurate/incorrect and was removed by from my Experian Credit Report. I filed a previous complaint with CFPB for this particular 3rd party collector, it was removed after the investigation and re added, damaging my credit reputation and causing me to be denied for credit.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2017-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I appreciate someone investigating and providing details last time around from Amex. Seems like they do have all the information that is required. Hope they do have information that are not necessarily only in company 's favor. Calls should have information required to prove calls & assurance from customer service team.
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Important point which was n't addressed in previous reply was if you 're not eligible, why they kept pushing for the offer, that too while booking on   XXXX    website too. It is unfair to have users read terms during the time of ticket booking! I would like complete facts to be investigated to confirm that mails were sent with Amex offers. When customer is not eligible, why send those ( I am sure if they can keep records for 4-6+ years, while marketing it is n't difficult to NOT target those customers ). Is n't this bad business practice?
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I ended up paying extra to use credit card for meeting the stringent $   XXXX   requirement. Amex had opportunity to inform immediately after approval also to notify of non-eligibility or during the calls that followed ( once again I would like to point out that calls seem to have been recorded without consent, but hopefully that can be used to confirm assurance of the offer once I met $  XXXX k requirement ). You can also confirm that each time I was told " by mistake case has been closed, but will be taken care in a week or so ''.
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Finally after months I am being told wo n't get any miles or credit, 'I was given wrong information earlier and nothing can be done '. Underlying message was 'read terms & conditions ', all other assurances were just sales gimmick. This is beyond frustrating & bad business practice and need to be really resolved. Also need to stop them from doing this again to any other customers.
Consumer complaint received 2017-05-19
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: Experian Information Solutions Inc. (OK)

I found an unauthorized charge in delinquent status on my credit report. It was from a credit card that I have never used, but had the account open ( online nor the card itself ). I disputed it on XXXX Dispute and reported back that the information on the report is accurate. I am unsure what that means, and have not been able to reach out. I called the credit card company, XXXX, and told customer service that the charge on that account was fraudulent ( XXXX charge for XXXX ), so she turned off the account and anyone authorized users, and marked the transactions as fraudulent.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I opened a credit card account with   XXXX   XXXX   XXXX   in early   XXXX    2017. Two weeks after receiving and activating the card   XXXX   XXXX   XXXX   charged me a {$75.00} annual fee. I called and cancelled the card and demanded that they reverse the annual fee since the account had only be open about three weeks. They agreed to refund the fee and close the account per my request. Two days ago,  XX/XX/XXXX , while checking  my   XXXX   XXXX   XXXX   XXXX   I  discover that   XXXX   XXXX   XXXX   has reported this account as a " Charge Off '' for delinquency. I have never made late payments on this account and was not notified of by   XXXX   XXXX   XXXX   of adverse activity on my account. All attempts to resolve this problem have be futile.   XXXX   XXXX   XXXX   has blocked online access to account information. Credit card holders do not have an available   XXXX   XXXX   XXXX   customer service email address to report problems through. Telephone phone waits to customer service phone number average about twenty minutes before any one from the company answers the call.