davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (NY)

My mortgage company did not pay my property taxes on time. I closed on a new construction house XXXX of XXXX. My builder built XXXX identical houses on a larger lot. As we did not close on the property until the middle of the tax year, my lot was not formally split off from the original lot by the tax assessors office until XXXX tax year. This was not caught by the mortgage company during the closing process. As a result I had to continue to pay into my escrow account all year despite the mortgage company refusing to pay my first year of taxes. I then had to personally reimburse my neighbors for our shared property taxes for the original lot. In XXXX of XXXX I received documentation from the tax assessor that the lots were split for the upcoming tax year. I sent a copy of that letter by both physical mail and email so that the mortgage company had the updated information. When it came time for the school tax bill to be paid by XX/XX/XXXX, I was still receiving notices from my bank that my property had not been split from the lot. I messaged them on XX/XX/XXXX through their secure message center with the updated bill amount. When I hadn't received any response by XX/XX/XXXX, I called them directly to check the status. I was told the bill had been received and that a work order was opened to request payment of the bill. I finally received a reply through the secure message center on XX/XX/XXXX stating the property was still listed as To Be XXXX and that a bill had not been received, which was in contrast to what I was told on my last phone call. On XX/XX/XXXX, I received a notice from my city 's tax authority that my tax bill was unpaid. I mailed a physical copy of the updated bill and emailed to the customer service address given to my by my mortgage company. After another week went by, I called the company again and all that they could tell me was that there was still an open work order to request payment of my bill. They could not verify the receipt of either copy of the bill I sent through physical mail or email. They assured me that the bill " would be paid '' but could not give me any timeline on if it'd be paid in time to avoid any further penalty. I'm frustrated because I've been in communication multiple times about these tax issues over the year and a half that I've had my house. Every person I talk to seems to have no record of my previous conversations and there documentation on their side is severely lacking. I'm concerned that there is no safe way to send in documents to the company without risking them being lost in the process. They have not proved to me that they are adequately equipped to handle the finances involved with my property and I'm concerned about my finances and credit being impacted by their inability to communicate with me.
Consumer complaint received 2017-09-25
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. (KY)

I have several non authorized credit inquires that I believe were a result of the inquiry problems transunion had a while back..Also contacted transunion and they seemed to not want to address my issues at all and etc ...
Consumer complaint received 2020-11-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was reached out by an account manager to invest in XXXX XXXX XXXX. I said I didn't know much of investing. I initially started with a XXXX invested, once " profits '' increased I had to pay a fee of XXXX the account manager gave me his word no more fees after paying this and I can withdraw my money. I got an email that same night after requesting the withdrawal that I should pay a fee. I freaked out all these fees I wasn't told about and I had send it asap. I told them to please just refund my money I didn't care about profits anymore. To not make the story longer they said they would refund the money in 7 days but I could not re invest with my name if I wanted to in a future. Today after logging in the platform, I get a message the email doesn't have an account and both the account manager and person who contacted where know where to be reached and the customer service department on the website never responded. Total fraud after a total of {$9100.00} included I had a charge of {$3500.00} debited from my account unauthorized from me. I am giving this information because I don't want this to happen to any good person who makes honest income from these scammers!!
Consumer complaint received 2020-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is trying to collect a debt that is not owed. I never had this company as a credit card. I tried contacting XXXX XXXX to remove fraud account. I completed fraud packet and FTC reporting of this company. 


This company is reporting a fraud account knowingly. Ive been a victim of identity theft since 2008. Ive provided all documentation necessary to have this fraud account removed. This company gives you the run around and says account to old to identify when you call but will not take fraud account off of my report even though it is fraud and they can not validate this account. 
Please remove from my credit bureau reporting as Ive followed all FCRA guidelines to have this fraud account removed. Thanks
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-08-29
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. (TX)

Equifax, know that this information is incorrect on my credit report. 
I have disputed this information over 11 years ago. This account was not open XX/XX/XXXX, documentation can be provided, on this day I was in OHIO, checking on my son with my husband, We still have our plane tickets. 
Equifax, and XXXX received a cerifited letter XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( my 5th dispute ) This item has been on my credit report more than 10 years but Equifax just keep updating it with the wrong date the account was open XXXX XXXX XXXX XXXX XXXX, XXXX ( 5 yrs, 4 mos ) -- - I was never in the office XX/XX/XXXX, XXXX out of the state The account could not been open on this date, due to the fact I can provide more information that it was dispute over 10 times within the last 12 years. 

Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I have had a problem with customer service at XXXX Fed Loan XXXX every single year since I moved my federal loans to them in XXXX. This in turn has cost me thousands in interest. Every time they make a mistake, " lose '' or arbitrarily double or triple my payments, I spend an hour on the phone with customer service and then they place my account in a forbearance for a few months in order to get their internal errors fixed. Additionally, I should be XXXX years into PSLF, but due to their errors many of my payments do n't count. 

My most recent issue is as follows. I applied to switch from the XXXX plan to the PAYE or REPAYE in XXXX. In XXXX I received a message from XXXXFedloan that they received my application. And I also received notification that my payment went from {$710.00} to {$2400.00} for XXXX. 

I called customer service on XXXX/XXXX/XXXX and spoke with XXXX. She stated they need a 1x payment in order to switch to REPAYE, and I informed her I could n't pay the full amount. She told me not to worry about it, and that she would put a " reduced payment forbearance '' on my account allowing me to pay a reduced payment of {$800.00}. She stated this should be taken care of before my account was due on XXXX XXXX. 

However, she only placed the " forbearance '' on 2 of the 6 loans I have ( and the smallest 2 at that ). My account is now delinquent for {$2400.00}, and I am missing another month of PSLF eligibility and will likely miss XXXX as well since they have to fix this error, and than accept a 1x/payment before switching my account. 

This company is terrible, and it is unfortunate that I have no other options since I am seeking PSLF working at a non-profit children 's hospital.
Consumer complaint received 2020-12-09
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: JPMORGAN CHASE & CO. (FL)

I am writing to JPMCB CARD SERVICES because I am having difficulties with applying for new credit cards. I paid the charge off and do not owe anything, but the marks in my XXXX, XXXX  and XXXX  reports prevents me from achieving the desired results. 
I am kindly requesting JPMCB CARD SERVICES to remove this paid charge off account from my credit report as a gesture of goodwill.
Consumer complaint received 2020-08-29
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: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XX/XX/2020 I faxed XXXX XXXX from Fifth Third Bank a copy of the Promotional Inquiries and Account Review Inquiries of my XXXX XXXX Credit Report. My XXXX XXXX Credit Report does not show an inquiry from Fifth Third Bank on XX/XX/2020. I received a letter from XXXX XXXX stating that " Our research found that when we review a customer 's credit report for a possible credit limit decrease or increase, the credit inquiry is a soft inquiry, which does not impact a customer 's credit score, and does not appear on a customer 's credit report. 
I feel this information is not true. My XXXX XXXX Credit Report shows Promotional and Account Review Inquiries which all are soft inquiries. I would like XXXX XXXX to provide me a copy of the soft inquiry credit report she received from XXXX XXXX on XX/XX/2020. 
If she is unable to show me a copy of this soft credit report from XXXX XXXX she received on XX/XX/2020, I would like her to explain why my credit card credit limit was decreased.
Consumer complaint received 2020-08-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (PA)

I was charged {$500.00} for an external only appraisal by Rocket Mortgage. I have asked them to provide something to show that this amount is correct as it seems excessive and unreasonable for an external only appraisal. They have ignored my various emails and have not assisted in validating this charge at all.
Consumer complaint received 2023-01-09
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: NAVY FEDERAL CREDIT UNION (FL)

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
Consumer complaint received 2020-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Since COVID I have been on credit card payment deferment. XXXX, Transunion and XXXX have all lowered my Score which is now making it difficult for me to aquire a new mortgage. There should be taken into account and not used to hurt the consumers. I am on time with everything and i dont just pay the minimum.
Consumer complaint received 2023-03-23
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. (MN)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. Please adjust these accordingly. 

XXXX XXXX XXXX XXXX Balance {$35000.00}, XXXX XXXX XXXX XXXX Balance {$2100.00}, XXXX XXXX XXXX XXXX Balance {$2400.00}, XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2021-10-14
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: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on SCHOOLSFIRST. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report :
Consumer complaint received 2020-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I had a company debit my account for a rental after the rental was returned to them for another week even though the rental is back in their possession Ive gotten everything to the bank to show them that I no longer have that vehicle in my possession. They gave me my money back twice and took it 3 times for the same dispute I cant talk to anyone about it just leave messages. And no one calls just sends letters
Consumer complaint received 2017-09-24
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. (MN)

Due to the Equifax data breach of consumers personal information, the following fraudulent and unauthorized accounts has reappeared on my Equifax, Experian and XXXX XXXX credit report. The following account and hard inquiries are all fraudulent and unauthorized : Universal Acceptance Corporation/Car Hop, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX Auto Finance, XXXX/XXXX/XXXX.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Upon checking my consumer credit report I have found inaccurate late payments on my account. Please validate all dates as Im sure its incorrect. I have paid this account. 

Account : XXXX XXXX XXXX  Account XXXX XXXX XXXX  ( XXXX  )
Consumer complaint received 2020-07-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Dear Sir/Madame, On XX/XX/XXXX I used my Bank of America credit card to purchase an accommodation with XXXX  for {$550.00}. In XX/XX/XXXX, I notified the Bank of America that the host did not provide an accommodation as agreed and advertised and attached a letter to the host and pictures from the apartment showing non-hygienic state of the place. I demanded the refund for service non provided. 
On XX/XX/XXXX I received a letter from BoA saying that the dispute is closed due to the fact that the host " was willing, but unable provide the service ''. The purchase was not refunded and is still showing on my balance. 
I believe the reply of the Bank is in violation of the FCBA regulation stating explicitly that the cardholder can not be held responsible for a charge for service not provided as agreed.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I am writing to express my deep concern and frustration upon receiving a copy of my updated credit report. It has come to my attention that despite my previous communication of rectifying the error and mistake, the report still contains inaccuracies.
Consumer complaint received 2020-10-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TN)

I used my VA loan to purchase a house in XXXX and was using Freedom Mortgage. I decided to move to XXXX and found a realtor who wanted to assume my loan. After notifying XXXX of my intent to move to XXXX in XXXX and sending Freedom Mortgage the required form with the 3rd party information, I was told that they had him as the person to assume my loan and would send the required documents for us to fill out and then he would have the house and I would be released. We started this process in XXXX of this year and after NUMEROUS phone calls from myself and the realtor to get the required paperwork for the assumption - they never sent the documents. They kept telling me they did but they did not. I made SEVERAL calls to the supervisor as did the realtor and we both complained that our calls were never returned. Now I am in XXXX  and am living in a hotel paid for by XXXX XXXX XXXX but will be XXXX as of this friday ( two days from now ) because the XXXX says the house is considered a asset so therefore I do not qualify for assistance and will have to live in my car. ( I am XXXX XXXX XXXX ) This company has been negligent in assisting me in resolving this issue and I need intervention ASAP. I hope you can do something to help me so I will not become a " casualty or statistic '' because of being a single female living in my car. I spoke to the realtor 2 days ago and he is still interested in assuming the loan if they will finish this process. PLEASE HELP!!!!! Thank you.
Consumer complaint received 2017-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

I purchased a XXXX from XXXX in XX/XX/XXXX, although I never received the item I was being charged for the item along with interest through my XXXX statement. 

I finally received a refund XX/XX/XXXX for merchandise but then was charged a late fee for not paying the minimum payment which included the approx {$2300.00} of the spa never received. I contacted commenting and they gave me a credit for a late fee and some of the finance charged accessed said I was to pay {$69.00} dollars in XXXX payment I made a {$70.00} payment the company charged me yet another late fee and reported my account as delinquent to credit bureaus. 

I believe fraud has occurred with my account since the beginning as I only charged {$1500.00} on this card yet I owe {$550.00} in XXXX year of making payments.
Consumer complaint received 2020-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX first reported a 30 late payment on my credit report to XXXX, XXXX, and TransUnion on XX/XX/XXXX. I wrote all three credit bureaus a letter in XX/XX/XXXX stating that the statue of limitation had expired, showing them their historical data since XX/XX/XXXX, and asking them to delete the account because they're in violation of the FCRA because the account is still reporting on my credit reports which is causing me to be denied credit. XXXX, TransUnion, and XXXX  allowed XXXX XXXX to re-aged the account even though their historical data shows that the first date of delinquency was XX/XX/XXXX. They allowed XXXX XXXX to report inaccurate information to their companies claiming that the first date of delinquency was in XXXX, refusing to delete the account from my credit report, stating that the account shall remain until XXXX ( 12 Years ) since the first month of delinquency. XXXX  then updated the account this month which caused my credit score to drop 51 points.