davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AR)

In XXXX XXXX, I received a divorce degree from my wife and was awarded the marital home by the courts. However, after seven months of seeking to assume the full mortgage in my name, XXXX XXXX refused to refinance or remove my wife 's name from the mortgage and acted in bad faith throughout the negotiations by delaying any attempts for me assume the title and mortgage for the home even though I provided them with copies of court records, divorce decree and financial statements to prove my " financial fitness. '' In XXXX XXXX, I signed the house over to my former wife and left the home after XXXX XXXX said I was unable to pay the mortgage after the divorce although I had maintained the mortgage and maintenance of the house without a missed payment for 15 months. During our marriage, there was never a late or missed payment of the mortgage. When we obtained our original mortgage from XXXX XXXX, we also became involved in a dispute whereby a white XXXX XXXX employee refused to accept our application for a mortgage when she learned that I and my wife were XXXX. We had no problems with our credit or other applicant information until I corrected information on our application that had misidentified me and my wife as " XXXX. '' It was at this point, that the XXXX XXXX representative refused to complete our application or return our calls. It was only after we complained about these actions to XXXX corporate office and threatened legal action concerning the company 's well-known past actions to redline XXXX customers did we get a positive response from the company and completed our mortgage agreement. During my application for mortgage assumption, the XXXX XXXX representative told me that I should have no problem assuming the mortgaged after paying a {$1600.00} assumption fee, but after submitting my application I received a letter in the mail a week later saying my application was denied. Since then, XXXX XXXX has also refused to allow my former wife to assume the mortgage and has kept both our names on the mortgage and credit reports although we have been divorced now almost two years. Their actions have had halted my efforts to purchase a new home with a low-interest rate and has negatively impacted by credit report because my former wife has not kept up with the payments. In addition, although the company says that I am a mortgagee, it has refused to give me online access to the account and tax records.
Consumer complaint received 2022-01-06
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: CCS Financial Services, Inc. (FL)

I recently started the process of reviewing my credit reports. Therefore, I requested copies from all three bureaus, of my credit reports. From XXXX, XXXX XXXX, and XXXX. I am not been aware of my credit, or even got an credit report until recently. So, I was not aware of the information contained in my credit reports. I was not in the position to buy certain things, or even attempt to purchase anything. Because i was not making a lot of money and was just trying to maintain what I can. In reviewing my recent credit reports, I found out that all my reports had a lot of activity that I had not done. Inquiries were over excessive to the point each report had about 20-25 inquiries on each report. I did not conduct these inquiries, if I were to do a inquiry I would only do it for what i needed it for. Not over and over getting turned down, I just recieved a email advising me that I was declined for an inquiry that I had submitted, In receiving this email, I was suprised because I had not applied for anything by way of credit. This complaint is being filed to advise that someone has my personal information, and using it to commit fraud. I am in the process of disputing these activities as it pertains to my credit. This complaint is to notify the three major credit bureaus. Of my intent to dispute these actions of no fault of my own.The activities that has been comprised are my credit, inquiries, accounts that have been placed with collection agencies. Whom are seeking financial closure of accounts that do not belong to me. I am requesting, as I prepare to send this complaint to all three credit bureaus. That the creditors, would send me the documentation needed to resolve these issues. I will also be filing an Identity Theft Report of the actions of fraud on my credit history.
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

This is to re-open a previously submitted claim through CFPB regarding a dispute between myself and Citibank. The reason I am forced to file a new claim is because CFPB has marked the case ( XXXX ) closed without allowing me to respond or rebut Citibank 's response. 

In that claim, I stated a payment was made on XX/XX/XXXX in the amount of {$990.00}, which was the only payment I was referring to in my last CFPB complaint ( dispute with Citibank ). I was assured my account number was accurate and was legitimately able to make relevant payments. I first went on this assumption. I then waited 4 days to check with Citibank to make sure the payment went through properly, as I 've become aware ACH payments will not be approved/transferred in one or two days. 

OnXX/XX/XXXX, I contacted Citibank via their chat service available on their main website through my account. As I mentioned in my last submission, the main reason for opening that particular chat session was to check on that specific payment I submitted on XX/XX/XXXX. That was also the main reason for my submitting my last complaint about Citibank through CFPB, and Citibank conveniently ignored that aspect in their response ( which I will attach to this complaint when prompted to upload additional documents ). 

I was told very clearly that Citibank had received my payment, had accepted the payment, and that Citibank has been paid by me ( XXXX XXXX ). I will also attach that online chat session ( again ) with XXXX, the agent or representative assisting me in that particular chat session. 

I am again demanding the said amount I was assured had been paid to Citibank onXX/XX/XXXX per the said chat session with a Citibank agent or representative be honored as a payment, or for Citibank to admit they lied to me with such assurance.
Consumer complaint received 2017-10-06
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: Westlake Services, LLC (NE)

On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
Consumer complaint received 2017-10-06
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: American Credit Acceptance, LLC (NE)

On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NY)

I just want to bring to light this company 's shabby service. In a response to a previous investigation, Navient still fails to get the information correct? Really what good does this do? Navients own reply contains erroneous information. They come back with all of this technicality and validity in their eyes but still ca n't get it right. They make mistakes when they cover there mistakes!!! Is there no system in place to catch mistakes? How can an initial payoff check proceed the final payment by 5 years?? I am done, done, done. I have enough evidence to substantiate my claim. Enough chances have been granted. Navient will hear from my attorney. I am more than willing to put this on the forefront so that something is done to highlight Navients inadequecies for the greater good!!.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MA)

On XX/XX/year> I made a reservation for myself and my daughter at XXXX XXXX XXXX XXXX Florida, arriving XX/XX/XXXX and departing on XX/XX/XXXX. Our time was to be spent touring colleges. This reservation was made using a combination of my Citi Thank You points and my Citi Credit Card. 

On the morning on XX/XX/XXXX, my daughter became ill, and quickly realized due to a high fever she was unable to travel, at which time I called the Citi Thank You department to notify them and ask what could be done. I was told that they would reach out to their booking partner and would notify the hotel that I needed to cancel. Upon request, I informed them that I did not have medical documentation, being a Sunday and the doctors office being closed. The woman I spoke with was very nice and explained to me, at worst, I would need to pay for one night hotel stay this seemed reasonable. Furthermore, I informed her that I would be happy to reschedule as we would need to make this trip at a later date. 

On XX/XX/XXXX, I reached out to Citi again regarding the status of the refund. I spoke with XXXX. She informed me that, according to their third-party booking partner, I needed approval from the hotel. I immediately called the hotel and left a message for the hotel XXXX ( XXXX ). I never received a call back. 

On XX/XX/XXXX, I called back and reached XXXX. After informing him of the situation, he told me the reservation was non-refundable and there was nothing they could do. Following this conversation, I called Citi Thank You back and spoke with several different people including XXXX, XXXX, and XXXX, all said there was nothing they could do. During my last conversation with XXXX I explained that my receipt ( enclosed ) said, Any cancellation received within 3 days prior to the arrival date will incur a charge of 21 % of the booking value. This is comparable to the one night I was told I would need to pay during my original conversation on XX/XX/year>. She didnt seem to understand the meaning of the word within. Out of frustration, I asked her to transfer me to someone who could help me with cancelling my cards. I then spoke to XXXX, who transferred me to XXXX. XXXX seemed more interested in following protocol for cancelling my cards then helping me with the greater issue. I again asked to speak with his supervisor, I was put on hold and then disconnected.
Consumer complaint received 2017-10-06
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. (CA)

the account number from XXXX XXXX does not have any delinquencies, letter attached from the creditor. please help me to remove the inaccuracy from experian and XXXX and XXXX thank you
Consumer complaint received 2020-11-12
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: EQUIFAX, INC. (NJ)

On XXXX XXXX I sent Equifax a dispute letter to have all unauthorized inquires removed from my credit report as after not hearing back from Equifax after 30 days, I followed up with sending another dispute letter as they failed to respond to my dispute letter of XX/XX/XXXX. The reason I sent my 2nd dispute letter is because I know its federal law that requires the credit bureau to respond within 30 days in which they did not. As of today I have not received anything in correspondence to my letters. I have also tried calling multiple times. In fact I called today and they made me aware that there systems were down and there was nothing they could do for me. I then asked to speak to a supervisor and the repressive made me aware that she was not able to get me in contact with her supervisor. 

For my second follow up letter I did place a tracker in which they received on XX/XX/XXXX. The tracker is also attached in the files.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

My card has been blocked again by the so-called fraud specialists at Citibank. In the past month, I have called hundreds of times, and these people are absolutely insane. They flag my account for every single transaction, every day, so I need to call them for every transaction. I'm so mad...
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (OH)

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Requesting documents with my signature given the consent to share my personal information with third party non affiliate companies 15 USC 6802 ( b ) opt out ) ( 5 USC 552 ( a ) 16 CFR 313.7 16 CFR 433.2 -433.3
Consumer complaint received 2021-07-05
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: Cornerstone Holdings, Inc. (TX)

To someone in a position of authority, I am making a formal complaint because Cornerstone Credit Services has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with XXXX  ; I made a formal complaint with XXXX, Cornerstone Credit Services, and XXXX and they all failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my experian report within 5 days, or I will move forward with litigation and remedy. I also demand that that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.
Consumer complaint received 2020-11-12
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 — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

I requested two months of COVID relief plan with Toyota financial Services ( TFS ) in the month of XX/XX/2020. I mailed the COVID-19 releif contract plus a payment of {$96.00}. TFS declined that they did not recieve my mail and check, but I confirmed with the post office it was delivered. Then I mailed the revised contract and payment in XXXX, but was returned to me for unkown reasons. I contacted the company three times using online form as well as on the phone. Finally, I was able to pay the amount online and now it is corrected online. However, TFS reported to all three credit bureaus that the account is deliquent. I submitting this complaint for them to fix this issue right away as I am in the process of applying the mortgage loan. This is error on part of TFS not me.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eagle Accounts Group, Inc. (MD)

i try to dispute this trough XXXX severals times, specially my last dispute on XX/XX/XXXX was ignore, XX/XX/XXXX was ignore as well ( i even send the other party a letter on XX/XX/XXXX as well ) none of them reply : i tough they all should follow the law, none of was in compliance. ( see attach doc ), sometime they put the account as installment sometimes they reported as collection? this is account was never late ( i been paying my duty since 2009 and it was come in from my work directly ). i was never been notify by the company about any discrepancy, please assist.
Consumer complaint received 2017-11-17
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. (GA)

My name is XXXX XXXX and I have been going back and forth with XXXX and Experian for years. With Experian, my file is managed by XXXX XXXX. My issue is that I have left a 3rd voicemail for her and she has not called back. I am a victim of identity theft. I have sent over all of the required information and there is still one item on my report, in collections, that is a fraud item. I spoke with them this morning and they have the required information. They have broken the law because on a recorded line, I was told that within 5-7 business days, they would remove everything that was reported/disputed as fraud, once they verified the police report, which they have. They received the information, which I have attached to this complaint, on XXXX XXXX, 2017 @ XXXX XXXX  EST. All I want is for them to remove the XXXX XXXX XXXX Item that should not be on there that I disputed. That is it. 

I was told by XX/XX/XXXX that the items would be removed from my report within 7-10 business days. That has n't happened. I have also attached confirmation that they received my fax, on XXXX XXXX, 2017 in the evening. I am not pleased at how this is working out. I have also emailed every single executive 's email that I have found to get this situation resolved as well. My disputes are not a regular case. It is a fraud case, and the items should be removed immediately. I look forward to those being removed asap, as if they are not, we will be heading up to our local courthouse to exercise our right to be sued. Lets mention that my information was compromised in the hacking situation, so I may be exercising my right to sue in that aspect. I look forward to this being resolved asap.
Consumer complaint received 2017-10-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IL)

Received email today XX/XX/XXXX about my payments which have skyrocketed when I called and inquired I was told my Autopay was turned off in XX/XX/XXXX without my permission or consent as I was trying to reach to lower my monthly payments due to the strain on my income and bank account. Is this legal ; what can I do?
Consumer complaint received 2020-11-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

I am an existing customer with Freedom Mortgage with excellent credit and have never missed a payment. On XX/XX/XXXX I started a refinance process with them. For the past XXXX XXXX months I must have dealt with at least 8 different persons. I've sent them every document they have asked for 3 to 4 times over. On XX/XX/XXXX I was informed that everything was approved and to call and schedule a day and time for XXXX XXXX XXXX to sign the paper work. I scheduled an appt for noon on XX/XX/XXXX to do this. On XX/XX/XXXX I get an email saying that this appt has been cancelled and that I need to reschedule. I called Freedom Mortgage and set up a second appt for XX/XX/XXXX. Called the title company on XX/XX/XXXX to confirm the appt and was told that they do not have a record of this. Now both times we scheduled an appt a representative of Freedom Mortgage told me that a payment for XXXX and XXXX need not be made. My first payment would be on XX/XX/XXXX. Called Freedom and asked what was going on and could not get a straight answer from them. This morning XX/XX/XXXX I called Freedom and now I'm being told that if I do not make a payment by the XXXX I will be considered late. This is one of the worst companies I have had the displeasure of doing business with. I have worked hard and proud of my credit and I will not let them ruin that because the right hand does not know what the left hand is doing. I would greatly appreciate whatever help you can extend to me. Thank you.