davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC (TX)

I did a loan modification with my mortgage company Village Capital & Investments LLC. I completed all the trial payments and they are reporting missed and late payments on my credit report even though I am no longer late nor have any missed payments with them. They have been reporting negativity since XXXX several times a month and it hurt my credit report a lot. I need this fixed. Each violation of the fair credit reporting act is {$1500.00} per offense and they committed multiple offences in the last few months reporting for months I wasn't even late on.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED XXXX
Consumer complaint received 2024-04-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp. (FL)

After several issues and complaints back and forth with XXXX aka World Omni, they closed my account and I no longer have access to my account with them. I paid them all I was asked to pay. It has been one year since then, I continue to monitor my credit accounts to confirm and they continue to report my loan account as closed. My new issue now is - if they closed this account, why won't they RELEASE the title to my car?? I want to request the title from the State DMV and they continue to have a " Lien hold '' on it. I want my title released to me please! Thanks.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (NV)

Citi Bank has embezzled my application I delivered to them and refuse to return my property. I've already demanded for my application back as I am aware my application is commercial equity. They say they've denied me an extension of my own credit during a consumer credit transaction they try and steal my application and lie to me and discriminate. The president is guilty because he's/she 's covering for his employees so they don't get sued and trying to lie about the law.
Consumer complaint received 2021-03-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I used PayPal to make a payment and the people I sent through PayPal were scams, but PayPal did not help me out to recover the amount paid. PayPal should not include scams people on the platform and using way for identification as I got hocked for {$4000.00}. 

The transaction was made are : *XXXX XXXX XXXX sent to XXXX XXXX XXXX XXXX XXXX of {$1000.00} ( I disputed to PayPal and the amount not refunded in my favor because I sent it as Friends and Family, my complaint how PayPal can not protect us from any type of scams? ) *XXXX XXXX XXXX, sent to XXXX XXXX XXXX XXXX XXXX of {$500.00} ( I disputed to PayPal and the amount not refunded in my favor because I sent it as Friends and Family, my complaint how PayPal can not protect us from any type of scams? ) *XXXX XXXX XXXX, sent to XXXX ( XXXX XXXX XXXX ) of {$500.00} ( I disputed to PayPal and the amount not refunded in my favor because I sent it as Friends and Family, my complaint how PayPal can not protect us from any type of scams? ) Thank you so much for all your help and for protecting us from frauds and scams.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DEPTEDXXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DEPTEDXXXX TransUnion LLC XXXX. XXXX  XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DEPTEDXXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: OneMain Finance Corporation (CA)

I have contacted OneMain to send me a XXXX since they have stated that my account is charged off. They have my last payment date as XX/XX/XXXX and that they charged off the account XX/XX/XXXX. I sent them correspondence XX/XX/XXXX requesting that information however I have received no response, as it is well past 30 days. I also do not see where they notified the credit bureaus either, which are all violations of the FCRA. We are past the collection statute of limitations in California. They are continually reporting " CO '' on my credit report as a way to keep the most negative status possible, yet they have wiped out all of the previous positive information especially on XXXX. I have previously disputed with XXXX, but they seem to keep updating a more accellerated negative status as possible. When I have asked them to verify with specifics they will either deflect to a frivilous response or not investigate at all. XXXX is doing the same thing and not properly verifying the specifics. 
Long before this event occured I attempted to communicate with OneMain and they were not receptive. I even reached out to them after speaking to a non-cooperating manager to advise them that I am trying and no response other than threats. During that time I was sick again and everything financial was a struggle once the Pandemic came.I am XXXX  and needed a little more time or a payment plan. There are also some documents that I have with some fraudulent/invalid information on it that I have a legal third party investigating. Hopefully, we can come to some sort of resolution so this does not have to escalate any further.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Hello again, i am distressed to inform you of the willful noncompliance of federal law by Experian. Their inaccurate and misleading reporting has played a vital role in my ability to obtain credit. Here are some laws being being violated in my situation. I am trying to stay away from the process of litigation but if thats what i have to do to be treated fairly i guess thats where i will have to take this matter ...

-15 USC 1681 Accuracy & fairness of credit reporting -15 USC 1681 ( a ) ( 4 ) Invasion of consumer privacy -15 USC 6802 A financial institution may not disclose no public personal information to a non-affiliated third party -15 USC 1681 ( b ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it relates Please help me in this situation
Consumer complaint received 2020-03-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern, Back In XX/XX/XXXX on My XXXX   XXXX card I was late on a bill due to a death in the family and I never got the bill in the mail. I had called In XXXX when I paid and brought up this situation about my late charge from month prior and late fee. The customer service rep said they would remove the late fee from my credit report to all the credit agency 's as a courtesy since I always pay on time and this was a time offense. 

Over the past few months I have not looked at my score. Today on XX/XX/XXXX I realized this wasn't removed tried to call customer service since they were the ones back In XXXX who told me this would be removed. They told me to write a letter so I figured best to come here so you guys can resolve it quickly as I'm trying to fix all inaccurate things on my credit report.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There is a closed account on my credit report ( s ) that is still reporting late payments, and in addition to that, all of the credit reporting agencies are reporting inaccurate information in regards to XXXX XXXXXXXX XXXX. They all display different balances, open & Closing dates and payment history. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD {$520.00} Balance Opened XX/XX/2017 2017
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/XXXX XXXX charged my card without authorization in the amount of {$120.00}. 

On multiple occasions since then I disputed the charge with my credit card company - TD Card Services - TD Bank. 

Since they, TD Card services have since charged me interest and penalties and is damaging my credit by reporting the disputed amounts to credit bureaus - where my card agreement specifically states - disputed charges will not be subject to account default. 

TD Card Services requested me to mail back to them details of my dispute. Which I did via regular U.S. Mail. They received it ; however stated that they processed my reply 2 days after their cutoff date and hence will not honor my dispute. 

Last spoke with XXXX at TD Customer Care on XX/XX/XXXX ; XXXX.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/XXXX, I purchased 2 roundtrip Airplane tickets with XXXX XXXX from XXXX to XXXX on my Chase Sapphire Reserve Visa for a trip in XXXX of XXXX. The flights and trip were cancelled due to the pandemic. I was unable to reach XXXX after dozens of phone calls and attempted contact on XXXX as well, with no response. I felt I had no choice but to apply for a voucher, which was presented as my only option, and I was unable to discuss the refund policy with anyone at XXXX, as they were unreachable. 

I am now unable to use these vouchers, as they expire in XXXX, and I am unable to travel. I need a refund for the tickets, which has been denied by XXXX after 3 phone calls to them requesting a refund. 

I submitted a dispute with Chase in XX/XX/XXXX, as I am now aware that I am unable to use these vouchers. Chase has denied my dispute because it is after the 60 day window for disputes. I replied to the dispute denial stating that I refused to pay the charges, and why. I have not received any response to this. This travel situation with the pandemic is highly unusual, and I would expect that Chase honor the dispute process, even if the Airlines are not following the rules. 

Transaction Information : XXXX XXXX : XXXX XXXX XXXX {$550.00}
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I need to file a complaint against Citi card. I applied for a credit card with Sears MasterCard which is part of Citi card I was denied. I have highly excellent credit. The company denied me. I either need to be approved and for the card to be honored in the promotion or for the inquiry to be removed from my credit report. This company has been sending me multiple pre-approval letter. I understand that pre-approval means nothing much however I have highly excellent credit a high score in zero missed payments. There was no reason to deny me and cause a hard inquiry on my credit for no reason when I have very excellent credit
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I HAVE TO GET MY CREDIT REPORT UPDATED PROPERLY!! 
My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX please delete any other addresses that appear on my report the are fraudulent. Delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these numbers the are not mine not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2022-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern, I have summitted a formal complaint to Chase on the handling of my escrow account. When I initially closed my home loan in XXXX of XXXX my lender padded my escrow account to for the standard rate in California of 1.25 % of my purchase price ( {$490000.00} ) to account for any increase in tax payments. My monthly payment was at {$2500.00} with {$510.00} being allocated to my taxes. When my supplemental tax bill came out in XXXX of XXXX, I sent the bill to Chase. Chase should have this of record and understood how my taxes would have increased from the previous owner to me. Chase was able to pay my supplemental taxes directly from my escrow account due to the diligence of my previous leader. In XXXX of XXXX my payment was lowered when my escrow account was reanalyzed. My payment was updated to {$2100.00} with {$80.00} being allocated to taxes. This should have never happened. Chase should have left my payment with the padding using my supplemental tax bill as evidence my new tax bill would be substantially higher than the previous bill. In XXXX of XXXX again my escrow account was reanalyzed changing my payment to {$2100.00}. Lastly, XX/XX/XXXX my escrow account was reanalyzed. Now I have an escrow shortage of {$4600.00} with an increase to my monthly payment of {$800.00}. 
The amount of taxes Chase paid on my behalf in XXXX was {$8600.00}. How would keeping my taxes at {$960.00} a year be setting me up for success? How is this responsible servicing? Chase has created a severe hardship to my household. I must take a loan from my retirement account to pay my escrow shortage in full because there is no way I can afford the {$800.00} monthly payment increase. This was not how my loan was approved exceeds my current XXXX. 
I have called Chase Customer Service and spoken to 3 individuals on XX/XX/XXXX, without success. I would like Chase to contact me directly and rectify this issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I confirmed with my servicing department they take items I discussed into consideration, so XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (NY)

I ordered a hoodie from XXXX and used Afterpay to pay. I ended up returning that hoodie to XXXX in store since I was able to get it cheaper. Upon returning it, I did get a receipt but did not hold on to it for long because I thought it would be processed. When I checked my Afterpay account, I saw that they were still collecting the money for the hoodie. I contacted XXXX and they said the refund was processed since XX/XX/XXXX and it shouldve returned to the Afterpay account. When I contacted Afterpay, they said I need XXXX digits on my return receipt even after showing them the email from XXXX but they claim that isnt enough proof.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (FL)

I got scammed without my permission with Regions Bank out of my checking account {$2500.00}. I reported the problem with Regions Bank and they started a claim but by the end result was that I authorized the money which I did not. They are protecting and encouraging scammers to scam people hard earned money and Regions Bank is horrible no customer protection or any liability they don't want to be bothered. I am changing banks Regions is no good. STAY AWAY FROM REGIONS BANK.
Consumer complaint received 2022-12-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (MD)

I never recived any documentation from this debtor about legal actions being taken, debts being sold, or sold receivables being transferred to an affiliation of the parent company. I received a wage garnishment judgment that was addressed to a job I have worked at from XXXX - XXXX although my credit report said the debt was from XXXX. Also, the 2 debtors are the same company for different amounts and I have no idea who they are. I never received notice. I have a notice from the court that service was made in XXXX XXXX, MD to me on several occassions but on the dates listed I was at work in XXXX, MD. 
There is no account numbers listed in a correspondence I found through XXXX or listed in the complaints. Also, the debtor locations from the filings are in two states. One of the cases has a request to reissue a summons filed XX/XX/XXXX.