davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MN)

We were part of the mortgage crisis in XX/XX/XXXX. We ended up declaring chapter XXXX bankruptcy. We were discharged of the chapter XXXX, in XX/XX/XXXX. After hundreds of attempts contacting Citimortgage to get them to foreclose, on the property, our requests went unanswered. after the property sat vacant for several years, yet still in our names we decided to do a short sale in XX/XX/XXXX, we did a short sale, with the approval from Citimortgage and the help of a lawyer. 
Sine XX/XX/XXXX, we've purchased a new home. Now we have learned that an adjacent property is going to be developing a strip mall / restaurant bar. This will be directly attached to the back of our property, making what is currently a quiet suburban area, into a loud, busy annoyance to our neighborhood. 
Due to this, we want to move, but because Citimortgage is able to report the short sale for up to seven years, we do not qualify for a new mortgage. We feel this to be completely unfair, if Citimortgage would have followed through with the foreclosure in XX/XX/XXXX, as requested, we wouldn't be in the situation we are in yet today.
Consumer complaint received 2024-04-15
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: Tower Loan of Mississippi, Inc. (LA)

XXXX XXXX XXXX XXXX XXXX Tower Loan are being reported as inquiries on all credit reports. I do not recognize any of these and did not give authorization.
Consumer complaint received 2022-11-12
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. (MO)

I have been disputing XXXX XXXX on my credit report since XX/XX/XXXX. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Under the FCRA section 605b, the Credit Reporting Agencies are required by law to remove any fraudulent accounts and information completely from my XXXX XXXX. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Please remove the following fraudulent items from my Credit file as soon as possible : 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 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 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 2022-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (FL)

The Following Account : AMERICOLLECT Last reported XX/XX/XXXX {$130.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Placed for collection Original creditor name XXXX XXXX This account is not valid. I had active XXXX  XXXX under my social security number at this time and this was covered. The original creditor is responsible for this balance if they did not submit it to the correct insurance for payment as they were given all of this information at the time of care. This needs to be removed from all 3 of my credit reports at once as it is detrimental to my credit as well as keeping me from being able to continue on with my life as needed.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Equifax, after looking over my Equifax consumer report I have noticed many inaccuracies with the account information that is being reported. The amount of errors I have discovered looks very suspicious and deceptive. I am concerned that multiple inaccuracies will run the risk of damaging my creditworthiness, my reputation, and my right to privacy. The following accounts have not been properly investigated, validated, or verified yet they continue to appear on my credit report. This is a notice of dispute and request for the re-investigation of the accounts listed below containing inaccurate information : ( 1 ) XXXX XXXX XXXX  is reporting inaccurate information. ( 2 ) XXXX XXXX is reporting inaccurate information. ( 3 ) XXXX XXXX XXXX XXXX is reporting inaccurate information. ( 4 ) XXXX XXXX XXXX XXXX  is reporting inaccurate information. It is my understanding that Equifax is required to adopt reasonable procedures for meeting the needs of commerce for consumer credit and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act.
Consumer complaint received 2024-04-15
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: JPMORGAN CHASE & CO. (IL)

Chase Freedom advertised 5 % back on travel including hotels and resorts. I paid for {$1500.00} to a vendor called " XXXX XXXX XXXX '' ( changed for privacy ). Chase told me " XXXX XXXX XXXX '' registered as " XXXX XXXX '' and not " Travel ''. It should be on Chase to ensure I receive the promised 5 % for " Travel '' categories despite how the vendor decides to register. 

How could I have known that a " resort '' would not be " Travel ''? This model is misleading to the consumer. I have made mistakes with this card before, and I can no longer be tempted to use it. I will take the hit on my credit rather than have this card. Overall, it has caused me more stress trying to follow the strict rules than enjoying the rewards service.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (CA)

The servicer of my mortgage, Selene Finance, has once again, not been paying my homeowners insurance. I had to file a complaint with them last XX/XX/XXXX to get this resolved, with CFPB. 

This morning, on XX/XX/XXXX, I received an email from my insurance company, XXXX, that my policy will be canceled on XX/XX/XXXX for non payment. Today, I also called Selene 's customer support number XXXX, twice, and both times I was hung up on by the representative, after waiting on hold for 45 minutes each time. They are refusing to do anything about this, which is a violation of the the Real Estate Settlement Procedures Act. I pay every month for an escrow account, they are required to pay my insurance.
Consumer complaint received 2023-03-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

XXXX XXXX Good News From XXXXXXXX XXXX  - Negative Item Removed Monday, XXXX XXXX XXXX XXXX XXXX XXXX Good news : you have positive updates on your credit reports. 
REMOVALS DETECTED 4 No longer on your EQUIFAX credit report datedXXXX XXXX Type of Negative Date Account Status Repossession XX/XX/XXXXXXXX XXXX XXXX XXXX, I REMOVED Collection XXXX XXXX US DEPARTMENT OF EDUCATION REMOVED Collection XX/XX/XXXX XXXX XXXX XXXX XXXX REMOVED Collection XX/XX/XXXX XXXX XXXX REMOVED XXXX XXXX
Consumer complaint received 2022-12-26
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: Bread Financial Holdings, Inc. (CT)

I submitted a dispute to XXXX Bank on or about XX/XX/2022, concerning a partial refund of {$1000.00} from XXXX because the refund did not post to my account. As of today, I have contacted Comenity Bank numerous times, but I have not received a clear status update or explanation from them. They indicated that it can take up to 90 days for a dispute to get resolved and it is now well beyond 90 days. This is not the first issue I have had with Commenity Bank related to this credit card, but rather this is the 4th or 5th issue that i have had with them in 2022. Eith respect to the refund, XXXX confirmed to me in writing that the refund was successfully processed and accepted by the Commenity Bank on XX/XX/2022. XXXX provided me the following trace number for the refund transaction : XXXX. XXXX also provided with a receipt, showing the refund amount and confirming it was refunded to my XXXX 's XXXX XXXX XXXX XXXX ending in XXXX. I provided the written confirmation from XXXX, the XXXX receipt and the trace number to Comenity Bank. My card ending in XXXX was closed in XX/XX/2022 due to an unrelated fraud incident. I am extremely frustrated and annoyed that this has not been resolved in well over 90 days and by the lack of communication from Comenity Bank. Please help.
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX  had updated my account because of fraudulent activity which took along time now I was told to dispute the fraudulent transaction with Bank of America which Im having trouble with I just need me new card mailed out to me Ive been dealing with this over a year
Consumer complaint received 2022-12-26
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: National Credit Systems,Inc. (TX)

I have a Collections on my Credit from National Credit Services for XXXX XXXX XXXX XXXX from 2018, since I didnt give a 60 day notice Because I Thought it was a 30 day notice but the amount they say I owe {$1700.00} is outrageous also the only proof they have has changes to it without my initials next to it Im sure it was changed without my knowledge I also have proof from the cooperate office that the amount that they gave is incorrect I have explained and they will not remove it.
Consumer complaint received 2023-03-02
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)

I reached out to the Bureaus on : XX/XX/XXXX because I saw an error on my credit report regarding account XXXX. This is an account that belongs to XXXX XXXX XXXX the problem with this account is a representative and I had a phone call on XX/XX/XXXX to settle this account where I agreed to pay the complete balance in exchange that they would delete all negative information regarding this account. The agent agreed to it so I made a complete full payment. I didn't follow up with them believing that the matter was resolved. However, I saw my credit report XX/XX/XXXX where the Bureaus is still allowing this account to remain on my credit profile. I also followed up with XXXX XXXX XXXX about this account to see what was going on. They sent me a letter explaining that the account was placed with " XXXX XXXX XXXX '' XX/XX/XXXX because the account was past due and I spoke with them, XXXX XXXX XXXX about this account. One of the problems with this is my credit report Reflects XXXX XXXX XXXX XXXX having this account from the time the account was opened XX/XX/XXXX until present time. According to the letter that XXXX Bank sent me. This is untrue. I have the right to a credit report this is 100 % accurate. If this account was indeed placed with XXXX XXXX XXXX in XX/XX/XXXX then this account should reflect that on my credit report. It doesn't. According to my Credit Report XXXX had this account from the time it was opened to present time. This is inaccurate account according to XXXX they didn't have this account beginning XX/XX/XXXX. However, the Bureaus continue to allow this account to be on my Credit Profile as " accurate '' and " verified ''. The second problem with this account is the FDCPA has a guideline for companies to follow when attempt to collect debts that are owed. This company not only violated my right by sending this account to a third party company that I wasn't informed of but violated sections 805, 807, 808, and 809. A company can not use deceptive means to get collect a debt which is what XXXX and XXXX XXXX was using. In the letter XXXX sent me I was talking with XXXX XXXX about this account where the agreement was made that they would remove all negative information regarding this account instead of XXXX this is why XXXX can't find the call. However I knew nothing about speaking with a third party. In addition This account isn't verified, it isn't accurate, and needs to be removed Immediately. I will be including the letter I received from XXXX which shows this account is embezzled. This needs to be removed IMMEDAITELY.
Consumer complaint received 2022-12-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

Took out a car loan of {$57000.00} with Toyota Financial Services ( TFS ) on XX/XX/XXXX. The auto loan has a finance charge of {$9300.00} at 4.99 % annual percentage rate ( APR ). Payments for the car loan was agreed between myself and the XXXX XXXX dealership to start on XX/XX/XXXX for my first payment. 
According to the contract signed, per the XXXX XXXX and Payments clause, the finance charge is calculated on a daily basis at the annual percentage rate on the unpaid part of the amount financed. Mind you my contract was agreed and signed by both parties to start on XX/XX/XXXX. Meaning, payment for my loan would start on XX/XX/XXXX. The Finance Charge and Payments clause also states, that, XXXX days after a payment is due as originally scheduled or deferred, TFS will compute and charge interest on any balance remaining unpaid, including any unpaid default charges or deferment charges at the annual percentage rate ( I am assuming Toyota Financial Services expects payments for car loans, middle of each month ). 

Here is the issue I have with TFS and the dealership : XXXX. Having called Toyota Financial Services, I was told over the phone that the dealership included a {$7.00} daily late charge cover up in my contract. This was revealed to me and not included in my contract. 
XXXX. Toyota Financial Services started pushing the amount finance ( car loan ) up daily by applying charges on the loan prior to the contract start date ( XX/XX/XXXX ) despite having not defaulted on any payment or the contract starting as agreed by both parties. 
XXXX. By applying interest/late charges on the amount financed ( car loan ), the amount I borrowed from Toyota is now skyrocketing on a daily even before the contract is supposed to kick in. 
XXXX. This manipulation and coercion tactic by TFS stressed me into making an untimely payment on XX/XX/XXXX for my first payment thereby, in believing the payment would affect the amount financed ( principal ). 
XXXX. After 4 days ( XX/XX/XXXX ) of my first car note payment, the amount paid has and did not reflect on the principal amount prior to the bank holiday and the finances amount keeps going again.
Consumer complaint received 2022-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending in this message because as I am going over my credit report, I've noticed that over a year ago that I had a lot of weird inquires from multiple financial institutes and agencies that I am not aware of. Some that I noticed were on one credit report but not on others and they happened over a span of a month, which is very alarming. It was brought to my attention when I went to go purchase a vehicle back in XXXX of XXXX and they told me that you have a bunch of random inquiries that brought my XXXX XXXX down. It alarmed me because I only have been working with one place and they didn't request all of these inquiries, so I did some research and called around. Some of the places didn't know who I was when I asked and some places said that they pulled up my info but don't have any identification as if I was trying to get a car, which didn't help me at all trying to remove them after I asked. This caused me to put a freeze on all of my credit bureaus for some time as I am trying to make sure everything is accurate with my credit reports. 

At this point, all i am asking is for these fraudulent credit inquiries to be removed from my credit report as I am not responsible for of these inquiries and I've tried to reach out to the agencies to get them removed and explained that they aren't mine. I am going to be listing all 3 credit agencies/date/company to show the discrepancy of the reports and fraudulent inquiries. 

XXXX : XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX Please remove these credit inquiries as I didnt apply for any of these loan services or financial institutions.
Consumer complaint received 2021-12-18
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. (MI)

These student accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied on me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing who made these charges on my credit file! So how did your properly verify this, how is these accounts mine? if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

All accounts are provided in my documents please open my documents and throughly check all accounts do not respond to me computer generated. 

XXXX XX/XX/12 Balance? 

FTC Report was submitted and filed with accounts included
Consumer complaint received 2020-06-08
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC. (NJ)

On XX/XX/2020, I had received notifications from each credit reporting agencies as well as other vendors such as a bank, XXXX  XXXX  and XXXX XXXX, to just name a few, regarding the significant decline ( > 40 ) of my credit scores. 

I had contacted Navient ( student loan lender ) on XX/XX/XXXX and XX/XX/2020, regarding the decline of my credit scores, and the comment that a remark has been removed from my credit reports caused the decline. I was informed that all of my accounts are in good standing and a few of my loans are currently in forbearance due to COVI- 19, and I have a couple of accounts are in a grace period. I was informed to contact the credit reporting agencies because it is the credit reporting agencies who has the ability to make a decision regarding my credit scores. I had informed the representatives that I had contacted the reporting agencies and I was informed to contact Navient. I had requested for this matter to be investigated but was told that noting can not be done because all of the accounts are in good standing and this is has been reported to the reporting agency. After expressing the concerns I have and the request for Navient to advocate on my behalf, I was than informed that I can only make a complaint via writing a letter and sending supporting documents to Navient compliant departments. 

XXXX  submitted a dispute on one account but I was told that I can not dispute the other accounts due to the fact that all accounts are in good standing, but I was informed to contact Navient regarding my concerns. XXXX provided the same recommendation but I was informed to contact Navient and the Board of Education. I contacted the Board of Education and was informed to contact the reporting agencies and Navient. Each party stated that my credit scores should have not declined so significantly, as all of my accounts are in good standing and are either in forbearance or in a grace period. 

Since I was told that I could not submit dispute regarding my credit scores because of the reason above, I did not move forward to dispute with XXXX. For XXXX, there is no option to dispute my credit scores. 

I have made attempts to resolve my concerns but have been recommended to call each parties, with no solution. 

Thank you for your time and patience to assist me in this matter.
Consumer complaint received 2022-11-12
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-11-12
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$1000.00}