davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (KY)

I have a chase auto loan on XX/XX/XXXX i totaled the vehicle. My insurance company XXXX XXXX sent a partial pay off of XXXX on or about XX/XX/XXXX via XXXX tracking chase did not post payment to my account till about XX/XX/XXXX. this left me a balance of about XXXX I called them about XX/XX/XXXX they stated that they had to start the process of my gap coverage. I have gap insurance this became a long process because every time I called chase they claimed they were missing info needed to complete the gap claim. Finally the gap insurance claim was completed and the company sent them a check on XX/XX/XXXX. Again chase took a very long time to process this payoff of XXXX this did not post to my account till XX/XX/XXXX. I spoke with chase on XX/XX/XXXX now they claimed they needed a explanation of how the claim was paid and they were going to request it from my gap provider and this would close out my account and they would send me out a final statement if i owed any balance because once the payoffs were applied they accrued interest would have to be taken off I called to check the status on XX/XX/XXXX they are giving me the run around and are saying that the person on XX/XX/XXXX never ordered the gap claim explanation. they have continued to post late payments on my credit report and wont close my account
Consumer complaint received 2019-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (NY)

I am trying to close an interest bearing checking account at M & T bank. I submitted a request to close the account via secured message on XX/XX/2019. I received a response on XX/XX/2019 stating that I would have to visit a branch or mail a signed request and that the signed request must be notarized if the balance is over {$1000.00}. I will try and pursue one of these methods, but both of these methods are very inconvenient.
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I filed online complaints with Equifax two times. They sent one confirmation to an old address-thankfully the resident there knows me and gave me the mailing. The next complaint they sent to my email and then when I try to see the results - it says they can not verify me. Maybe because they have an old address and the wrong DOB. I note that both XXXX and XXXX have my correct DOB- XX/XX/XXXX. 

I then called XXXX at XXXX the XXXX and the operator, XXXX, said after drilling me 'that he couldn't verify me? ' I received per my two written complaints confirmation # XXXX and XXXX. To which XXXX said he had no record? I then asked to speak to a supervisor and spent 30 mins on hold before hanging up. 

Please help me, XXXX XXXX @ XXXX XXXX
Consumer complaint received 2019-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (LA)

Iberia Bank increase the amount of my escrow by an incredible amount. I call customer service and also went into the local XXXX, La. Branch to get an explanation, but no one could or would give me and answer to the increase. I was informed to just continue to make my regular monthly payment until the matter could be sorted out. My credit to a big drop in XX/XX/XXXX and when I check it, I found out that Iberia Bank had charged off my mortgage in XXXX of XXXX. I did not receive any notification of such and event. According to the charge off date and the delinquency date on my statement, I was 3 month delinquent, when the full charge off when induced. I was offered no aid or help in trying to get this matter resolved. I am asking CFPB to aid me in getting this matter straight so that I may get my mortgage back into a current status.
Consumer complaint received 2019-04-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Net Pay Advance, Inc. (TX)

Im a veteran dealing with XXXX with anxiety as well as XXXX XXXX issues! I originally applied to help finance a lawyer to fight the VA for wrong and neglectful mistreatment and improper diagnoses. Then that fell thru and then I got overwhelmed by applying for another due to I wanted originally {$1500.00} but was approved for less which resulted in multiple loans thus becoming overwhelmed. I finally got with another law firm and hopefully my mental and physical issues will be addressed and properly diagnosed and treated if there treatment available.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is potentially a giant scandal. 

After the XXXX  hack, I took the liberty of freezing my credit on all three reporting agencies. 

This past week, I attempted to open a new line of credit with XXXX but was informed that my credit was frozen and to call TransUnion, because they have a relationship with them to expedite the process. 

I called TransUnion and they asked for my PIN number to unfreeze my credit. I do have my PIN on hand, but just to see what would happen, I informed them that I lost my PIN, is there anything I can do? 

To my huge surprise, they said yes, and by answering a few security questions on my credit report, they can unfreeze my credit. 

THIS. IS. NOT. GOOD. 

What is the point of freezing your credit with a PIN if it can be accessed anyway without a PIN? The answers to those security questions on that credit report can easily be found with enough XXXX. 

THIS MEANS that the whole illusion of securing your credit with a PIN is FALSE. 
And this illusion of security will only lead us down the same path as it did with XXXX, with a data breach and the answers to those security questions. 

THIS MUST BE FIXED! 
I am considering reporting this to major news outlets. 

Let 's talk as soon as possible.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

My loan was sold by XXXX XXXX XXXXXXXX XXXX  to XXXX XXXX XXXX  ( XXXX ) in XXXX. My first payment due to XXXX was due XX/XX/XXXX but they failed to contact me with my new loan number or any details on how to pay them. I contacted them on XX/XX/XXXX to make the payment over the phone. By XX/XX/XXXX I still had not received any information from them about my loan. I called on XX/XX/XXXX again to make a payment over the phone. I did not receive any paperwork from them until middle of XXXX. On XX/XX/XXXX - at least 102 days after my first payment was due I contacted XXXX to inquire as to why they have not reported my loan or my timely payments to any of the credit reporting agencies. I was told that it is their policy to only report timely payments after 60 days of purchasing the loan. I pointed out that it was now 102 days after my 1st payment was due and they indicated that they would not be reporting anything on my loan to the agencies until after XX/XX/XXXX. I requested that they make an exception as I am trying to refinance while interest rates are still reasonable and that they have clearly had my loan greater than 60 days. They refused to correct their error and I am now in a difficult position as the underwriter will not approve my new loan without this loan and the timely payments appearing on my credit report.
Consumer complaint received 2019-05-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (IN)

This number ( Afni debt collection ) has called me every day during weekdays for the past 2 weeks. I have blocked the number but they are still able to leave a message. I already told them that they have the wrong number for the person they are trying to reach. They have not ceased calling.
Consumer complaint received 2019-04-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (FL)

XXXX XXXX XXXX Took {$720.00} from My Business Checking Account Without authorization, when I go to my Transaction over my statement there is a message that said an agent call me from XXXX XXXX XXXX to proceed with The Debt that is not true, I never receive any calls from nobody. I call more than Five times to XXXX ( XXXX XXXX XXXX customer Service ) regards to my Credit card and they said my credit card was on collection company name First source, For that reason, I proceed to call them to try to make a settlement till now without any Answer. I was surprised when I check my account Yesterday and saw my checking account was almost clean by XXXX. I try to contact XXXX Agin and ask them why they took my money when my card was already on the collection and they said we have the right. This happened on XX/XX/2019 2019
Consumer complaint received 2019-03-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (AR)

I have been diligently calling to ask for a reinstatement because I want to keep my home Im currently saving up funds to pay in full. The problem also is Ive been in contact with Ditech Mutiple times and calling to ask about the calls that they told me they would listen to due to the agent I called to set up my supplemental payment plan with must have mistaken and keyed in the wrong numbers of the account number I read to them over the phone. I They still have not responded to me about the calls. I call in and ask and they tell me they are busy with there bankruptcy and all and someone is working on it. I dont know what else to do because they are still investigating this .This is my home they are messing with. Ive lived in my home nearly 6 years now. I applied for loss mitigation through Ditech due to a medical hardship I had to have XXXX XXXX XXXX  and developed a XXXX  XXXX that I had XXXX  I was very ill and out of work with no sick leave, as well as I work for the XXXX XXXX and it was during the shutdown as well and I applied but I have FHA and they told me I had to wait two years. Thats okay but I should have more options and I dont think they even read my five page medical hardship that I sent in with the documents for the loss mitigation I say that because I sent it in on XX/XX/XXXX and I received a answer by XX/XX/XXXX and was immediately thrown into foreclosure. I talked to a agent and they informed me that the account number that I told them when I called in to change my bank account information for the supplemental plan drafts from the bank and Ditech said the numbers came back as a invalid account. They never told me this until after it was too late and I didnt receive a letter until end of XX/XX/XXXX and the only reason I got it is due to calling Ditech and requesting it be sent to my email. Ive got several documents Ive kept all files all the faxed papers Ive faxed to them along with all my medical notes and bills and check stubs it all. I wouldnt be in this situation I feel if they would have done there job right the first time. Im still battling illness and working full time I just want to get to the bottom of it all. Thank you. 

Sent from my XXXX
Consumer complaint received 2019-03-15
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. (VA)

My identity has been compromised years ago and I've disputed these very accounts before. However, the 3 major credit bureaus has ignored my consumer rights that's afforded to me by the FCRA inwhich is supported by the FTC. The credit reporting agencies response to my disputes were " accounts been verified. Verified without any certified physical documentation, nor was I ever given accurate account of the process. Please provide me with the detailed Method Of Verification used in all these accounts inwhich I'm disputing and if you and/or your companies do not fully comply then you must remove, delete and/ or block the following accounts immediately as my rights vis the FCRA . The accounts are as following. 
# 1 ) XXXX XXXX {$630.00} # 2 ) XXXX XXXX  {$740.00} # 3 ) XXXX XXXX XXXX {$91.00} # 4 ) XXXX  XXXX XXXX {$0.00} # 5 ) XXXX XXXX/ XXXX # 6 ) XXXX XXXX {$6.00} # 7 ) XXXX XXXX XXXX # 8 ) XXXX XXXX XXXX {$6.00} # 9 ) XXXX XXXX c/o XXXX {$1.00} # 10 ) XXXX XXXX XXXX {$1.00} # 11 ) XXXX XXXX {$860.00} # 12 ) XXXX  / XXXX XXXX XXXX   {$31.00}
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (FL)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX   -XX/XX/2019 This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2019-03-12
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ALLY FINANCIAL INC. (FL)

I have submitted a request on XX/XX/XXXX asking for Ally to cease all contact with me via certified mail. I have being receiving letters from Ally repeatedly. I was told by Ally Financial Executive Customers Relation employee that all communication will cease as of XX/XX/XXXX. As of date they are sending letters. I have asked Ally to delete the derogatory information on all credit bureaus because they have re-aged and changed the account number in order to prolong keeping it on my credit. I dont understand how they can be allowed to harrass and get away with such illegal tactics.
Consumer complaint received 2019-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (NV)

My XXXX deposit of {$1200.00} was received by US Bank on XX/XX/XXXX from the US Treasury. I have attached the letter confirming the deposit from the US Treasury. The funds were not showing as a deposit until XX/XX/XXXX by US Bank. I was told by US Bank on XX/XX/XXXX that my account was CLOSED and therefore the funds would not be deposited to a CLOSED account. At that time on XX/XX/XXXX, I called Social Security to change my direct deposits to go to another account outside of US Bank since the account showed a CLOSED status. Social Security confirmed that due to the deposit going to a CLOSED account, the {$1200.00} would bounce back to the US Treasury, and after the US Treasury received the funds back from US Bank, the XXXX Treasury would reissue the {$1200.00} to my new direct deposit account. 
I have made over 6 attempts to get my {$1200.00} from US Bank, where each and every time, I have been told, Theres nothing we can do until you receive a cashiers check from Minnesota due to the closure of your account. The cashiers check is in the mail and you just have to wait for the mail to come. I have been to the bank as well as called the bank to let them know that there has not been any checks in my mail! I continue to get the response Theres nothing we can do to give you your money! 
I can not wait any longer! I have bills and rent to pay and I depend on my XXXX to pay them every month. I am XXXX and that is my livelihood. Please help me and ask US Bank to give me my money and stop patronizing me by saying The check is in the mail! I received 3 different dates as to when US Bank in Minnesota issued and mailed the check last week. 
Are banks allowed to hold Social Security funds the way they are after closing an account on a consumer? Especially a XXXX consumer? 
I can not wait any longer due to the fact that I have received an eviction notice and my car payment is now late as well. 
Please help!
Consumer complaint received 2019-04-04
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Razor Capital, LLC (NJ)

I paid a debt with Razor Capital in XXXX. On XX/XX/XXXX I received a Notice of Application For Wage Execution on a debt that has been paid. I sent the documents to razor capital   and their attorney, XXXX, XXXX, XXXX, XXXX XXXX and they refuse to review the documents and release the money they have illegally taken from me.
Consumer complaint received 2019-03-13
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 — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

XXXX and XXXX credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of XXXX XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. Toyota Motor Credit responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. XXXX XXXX XXXX was the same in their refusal to delete even though the CA  they sold the account to had deleted the negative information in XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?
Consumer complaint received 2019-03-15
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. (GA)

I have been a victim of Identity theft back in XX/XX/XXXX. Someone opened an account fraudulently in my name from the company " XXXX XXXX  '' which reported to my Equifax Credit Report. I have disputed it off of my XXXX and XXXX Credit Reports, which the account was block after the first attempt. I have been constantly disputing this account with Equifax, which it finally did fall of XX/XX/XXXX, but reappeared on my credit report in XX/XX/XXXX. Now, I have disputed this account at least over 10-15 times with Equifax, but this account keeps coming back verified by the company. Therefore, I am filing a complaint with XXXX XXXX  because they are not taking my complaint of Identity-Theft serious and I am filing a complaint with Equifax because they are violating FCRA and I feel like some actions need to take place due to me being a victim of identity theft, which resulted in a fraudulent account being opened up in my name. I have submitted a police report, an Identity-Theft Affidavit, and proof of my identification numerous of times, but this fraudulent account still remains on my Equifax Credit Report as of XX/XX/XXXX, which should not be on there. My next steps is taking Equifax to court if they keep violating FCRA ( The Fair Credit Reporting Act ).
Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I would like a full investigation as to why PennyMac denied me for a loan modification Loan # XXXX. I fell on hard times last year XXXX and fell behind several months on my payment, I contacted PennyMac for solutions but I was told that i did not qualify because of my financial situation, I was directed to call them back if my financial situation improved so I could be evaluated for a solution. XX/XX/XXXX I got a new job and started making enough to cover all my needs, I started a modification process with PennyMac as of XX/XX/XXXX and was NEVER given a single point of contact, I've been bounced around from one representative after another with no progress. Last assigned representative is this XXXX XXXX lady who has been anything BUT helpful XXXX XXXX Ext XXXX, I've had to submit the same documents endless times and I was also told by her and other representatives that the foreclosure process would STOP until the modification process was over which did not happen. I found out that I have my foreclosure sale date on XX/XX/XXXX AND I WAS STILL SUBMITTING DOCUMENTS TO THIS XXXX LADY LAST WEEK!!!! I WAS ALSO CONTACTED BY AN APPRAISER FROM PENNYMAC WANTING TO DO A FULL APPRAISAL ON THE PROPERTY ON FRIDAY XX/XX/XXXX. It is my believe that PennyMac had no intention of letting me keep my home that's why they were processing the modification and foreclosure at the same time and even ordered the appraisal.
Consumer complaint received 2019-03-13
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: CITIBANK, N.A. (NY)

The unauthorized hard inquiry was made by XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/2018. I don't recognize this company, and I never give consent for hard pull on my credit report. 

I can't find any information about this company online, not even an address. I believe this is an identity theft because I also got many spam calls using the real SSN and police department number ever since.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (MA)

I applied for a credit card with Wells Fargo to take advantage of a balance transfer with 0 APR for 18 months. 
I applied for a {$8000.00} credit line for a balance transfer. They only would give me {$4000.00} so I didnt want the card if I couldnt get the full amount. But Wells Fargo went ahead a gave the {$4000.00} and when I complained they stated they couldnt delete the credit app. But could cancel the credit card but it would show on my credit report. So in the meantime they sent me the card and went ahead and applied electronically {$3700.00} towards my XXXX XXXX credit card without my consent. This clearly is a scam by this company. I feel if they cant give you the amount your applying for they should give a chance to decline their offer and not automatically give it to you.