davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MO)

XX/XX/XXXX - I received a payoff quote from Nissan Motor Finance and immediately paid that amount- {$25000.00}. I received a confirmation that the loan was paid off and I should receive the title in about 20 days. 

XX/XX/XXXX - I called to check on the title because I need to register my vehicle. I was told that I still owed {$590.00} on the payoff. After some research it was discovered that someone posted the payoff amount of {$25000.00} to future payments, NOT the payoff. After 2 hours on the phone I was promised this would be corrected and my title sent ; I was told I would receive a return phone call - did not receive a call back. 

XX/XX/XXXX - I called AGAIN to make sure this had been taken care of. On the phone over an hour; was told I still owed {$590.00}. Because I need to get my title, I paid the additional amount. Again, I received a confirmation that the vehicle is paid off and I will be receiving my title soon. 

On the same date I also sent a certified, return receipt letter to Nissan in XXXX requesting assistance with this. As of this date, that letter is still sitting in the post office box waiting for someone to pick it up. 

On approximately XX/XX/XXXX, I called to make sure my title was being sent. I was told that it was 'in process ' and I should receive it shortly. 

XX/XX/XXXX - I AGAIN called Nissan to make sure my title was coming. I was told that no, it isn't coming - that I still owe another {$22.00} before my title would be released. I spoke with a supervisor, 'XXXX  XXXX, who said they are waiving the {$22.00}, it will take about 2 days, and then my title would go into 'process ' and I will get it in about 20 days time. This morning on the Nissan Finance website nothing has changed. 

They have given me different information each time I've called. I have paid off this vehicle on XX/XX/XXXX, and they keep asking for more money despite receiving information on 2 occasions that the vehicle has been completely paid off. They are holding my title hostage while demanding more money, similar to extortion. I need help as I can not register my vehicle in Missouri without my title and yet I can't get ahold of the title despite pleading for assistance from Nissan. 

I want my title, and I would like a refund of the {$590.00} I was forced to pay after getting the correct payoff.
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Recovery Services, Inc. (OH)

I am filing a complaint against a debt collector unbeknownst to me for repeated, daily calls with no voicemails or other information. Since the beginning of XXXX, I have received multiple calls from various phone numbers, including XXXX and XXXX. This month alone, I have received nine calls from the same number with no voicemails or other information. This has been an ongoing issue for the past two months and I have logs of all the calls in my call history.

I believe that this constitutes harassment and I am requesting that the CFPB investigate this matter and take appropriate action.
Consumer complaint received 2020-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

I purchased a cruise to for travel on XXXX XXXX and the cruise was canceled due to COVID-19 and government suspension of further sailing from any cruise line. XXXX XXXX line advised they processed a refund on my debit card on XX/XX/XXXX, and the refund has not been credited to my bank account as of XX/XX/XXXX XXXX I contacted my bank Suntrust and filed a dispute to retrieve my funds in the total amount of {$650.00}, and they denied my claim, due to no fraud occurred and any funds debited from my account is my loss. Before filing the dispute, I explained to the bank that no fraud occurred against my account and I am requesting my funds to be refunded back to my account, due to the cruise line has not processed my refunds. The funds were taken on XXXX {$100.00}, XXXX {$200.00}, XXXX {$150.00} and XXXX {$200.00}
Consumer complaint received 2020-05-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

An account limitation has been placed on my Paypal Account as of XX/XX/20 requesting that I provide an government Id and proof of fulfillment of a sale. That information was provided on the same day. On XX/XX/20 my Id verification was approved. I did not get any response on the fulfillment review. I reached out to Paypal via chat because they have closed there call centers and was told that the item had to be delivered before the limitation could be removed. My item was delivered and again I went back to chat and was told my account would reviewed in 24-72 hours this time elapsed and still no review was done on my account. I engaged chat again and was now told 10 days. I asked for a supervisor to contact me and was told by rep XXXX that her supervisor XXXX would call by end of day. Today is the XXXX day I have not received any phone calls and I am now receiving generic messages from chat that my account is being reviewed. I have no access to my funds which is being held by a company that it closed in a pandemic.
Consumer complaint received 2020-10-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I printed a letter to XXXX, XXXX  & Transunion, I then mailed the letter to all three Bureaus on XX/XX/XXXX, the only Bureau that  responded were XXXX. On XX/XX/XXXX I printed the same letter advising that it had been over 30 days and I still haven't heard back from Transunion and XXXX. The letters were mailed on XX/XX/XXXX. Along with the second set of letters I set XXXX XXXX a letter per response from XXXX  and have not heard back from them either as of XX/XX/XXXX. All three bureaus is reporting a Bankruptcy on my report dated XXXX but states that it were verified XXXX. I asked for them to validate this information, XXXX  states they verified this information through XXXX XXXX. I'm aware that each Bureau has 30-45 days to respond, for  Transunion, XXXX XXXX XXXX XXXX its been over that time frame. I also contacted the courts and verified that they do not provide either of the listed parties this type of information. I'm not aware of all the legal terms when it comes to this. Since the allocated time frame has passed, this information should be deleted.
Consumer complaint received 2021-04-26
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. (CA)

I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. This is the second time within a year i've been a victim of identity theft.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

Back in XXXX I applied for a Wells Fargo loan that was $ XXXX by accident, I didnt mean to since thats too much money and my credit lowered ten points then last month for XXXX my credit score lowered by eighteen points because I couldnt log into my Wells Fargo account on the mobile app so I thought they closed my account and I opened up four more accounts by accident so I had now in total six accounts and I had to go to my bank in XXXX to close four account each checking and savings and keep my original checking and savings, it was just an accident so may my main XXXX credit score go back up eighteen or ten or both,
Consumer complaint received 2020-10-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

As of XXXX of 2020, the Colorado Housing Finance Authority is no longer offering refinancing, no FHA streamline financing or otherwise. Beause they do not offer refinancing, they are no longer willing to allow subordination on second liens they hold. Their downpayment assistance programs give borrowers the option of taking a grant or taking a silent second lien when receiving the downpayment funds. If you take the silent second option, they refuse to subordinate if you attempt to refinance the first mortgage, demanding payoff. However, when they were offering  refinance options, they had no issues refinancing. This has left many stuck in higher rate mortgages when they could easily refinance now to take advantage of lower rates. Their pushback is that these terms are in the Note, but there is not additional paperwork that says that they only subordinate if they hold the first lien.
Consumer complaint received 2017-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Second complaint. Representative called me left voicemail returned his call never replied. Disputing unauthorize purchase of XXXX for XXXX XXXX XXXX simcard purchaesd from XXXX. Hey guys who 's reading this msg use your logic please sim card can not cost XXXX .
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This company failed to charge a late fee to me for my XXXX payment. XXXX payment was due XX/XX/XXXX I paid XX/XX/XXXX so I paid before 30 days. I called and told them to run my card for what was due. My XXXX payment came due XX/XX/XXXX I paid XX/XX/XXXX. Here they said you owe XXXX I said why they said they forgot to charge you the late fee for XXXX I was upset asked will that affect my credit because that was their fault I was told no. XXXX comes and I see I got a 30 day late flag on my credit reports. I call them no help. They tell me in right just dispute I have 3 times and they keep reporting I was late 30 days on my payment for XXXX even though XXXX was paid XX/XX/XXXX. They are saying because I paid the late fee late but that late fee was for XXXX for one and I did not pay it late, the local office didnt take it with my over the phone payment on XX/XX/XXXX. This is deceptive business practice and they refuse to take ownership of the issue. I always pay before 30 days is up and because they failed to take the right payment amount they wont remove the late payment report. Ive paid before 30 days every month ive had this acct!
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I booked my hotel via CitI XXXX ( which Citi outsources to XXXX XXXX ) and sought to cancel as COVID-19 was breaking out. I first called on XX/XX/XXXX and was advised to call back closer to my travel date ( XX/XX/XXXX ). I next called on XX/XX/XXXX, and after 3 hours on hold, was told the hotel had closed for the day, but that a case has been created for XXXX to contact the hotel and to expect a refund in 2 weeks. I called again on XX/XX/XXXX to confirm and after another 3 hours ( understandably ) on hold, I was told by an agent ( XXXX XXXX ) that XXXX had connected with the hotel and to expect the refund in 2 weeks. 

Another month passed and I had not seen a credit to my account, so I disputed the {$580.00} charge with Citi on XX/XX/XXXX. On XX/XX/XXXX, Citi informed me that they had resolved the dispute in favor of the ( Citi-affiliated ) merchant. 
I vehemently disagree with the resolution, as I had : 1. Paid for a service using Citi 's affiliate as an intermediary 2. The merchant did not remit the payment to the hotel 3. The merchant had confirmed that the reservation was cancelled before the check-in date 4. The merchant promised multiple times to refund me 5. Received no detail explanation, as of XX/XX/XXXX, on why the resolution was in the merchants favor, despite Citis Resolution Center promising so. 

I believe Citi conspired with their affiliate XXXX XXXX to deny me of a refund to keep their affiliate afloat, despite none of the services I paid for being rendered.
Consumer complaint received 2020-05-04
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc (VA)

I received a call today from Williams and Fudge for a balance I may possibly owe to XXXX University. They call repeatedly and Ive talk to ever so reps and explained to them that my hours had gotten cut due to the pandemic. This particular call the rep says, are you not able to pay because you arent working. We can set up arrangements. I tell her Im it able to do that at the moment. She says, well weve been contacting you since XXXX and havent collected any form of payment yet. Once this Virus is over we are going to want payment. I am going to call this company back and file a complaint. That was a tactic to scare me. I can not change my situation. Nor do I have the finances right now to set up and arrangement. They cant bully me into a payment! I feel attacked.
Consumer complaint received 2021-01-21
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)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2023-01-31
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I have disputed this XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. 
The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Holdings LLC (GA)

I filed a credit dispute on XX/XX/20 with XXXX  regarding Selene Finance. I have never had a mortgage or signed/agreed with Selene Finance for the said amount. All XXXX  did was investigate for one day and updated nothing. The entire information is incorrect the amount is well over the mortgage for the home that I showed proof of. They gave an automatic response without looking into this. I believe its mortgage fraud showing on my credit report.
Consumer complaint received 2020-05-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have contacted the bank several, several times and spoke in person about my issue. {$9000.00} was deducted from my line of credit by fraud and I have a copy I received from the bank with the account number it went into, that IS NOT my account number, and the routing number IS NOT my account. The bank will not help me solve this fraud or investigate this issue and are now charging me for this transaction that I did not make? 
I am now paying double the amount I owe. Where do I go from here for someone to investigate this situation? Thanks.
Consumer complaint received 2020-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I purchased a loan sold to Specialized Loan Servives. For over a year they have had difficulty providing loan information thru their web portal. At times their reps can't see imformation on a loan. What's worse, they never call back. Their system of customer service is failing when customers can't get basic information on their loans.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCC Business Services, Inc. (TX)

I rented an apartment with XXXX  on XXXX in XXXX XXXX XXXX, TX. At the time I think it was managed by XXXX. My lease was to end in XX/XX/XXXX. Around XX/XX/XXXX I was late on my rent and notified the office. They agreed to the arrangement. When I went into the office to pay on the assigned day the office notified me that they would not bring accepting my payment so an eviction was filed. We went to court around XX/XX/XXXX and everything was explained to the judge but to no avail the judge sided with the landlord. I was evicted. My problem is after move out the 3rd party collection agency is reporting that I owed the landlord XXXX which is impossible. This apartment complex is a total ripoff which have been through 3 or more management agencies in the last 3 years. They prey on ruining tenants rental history. The 3rd party collection company is NCC BUSINESS SERVICES. I am requesting that both companies be investigated.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (PA)

Changed my phone number on the account, which forced a lock. Been trying to contact the credit card company and every time they say it is under review and I would receive a call from them, but I am yet to hear back in 2 months, every time I call they say they can not help since the verification call has to be an outbound call. Atrocious considering I can not access any of my account information, can not pay my bill without having to call in, all active subscriptions are on hold, and I cAn not use my account for any purpose. All I need is to verify my phone number, how hard can that be? 

Phone no in question : XXXX ( they need this to pull the acc info )
Consumer complaint received 2022-04-05
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. (FL)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LTD Financial Services, L.P. (TX)

I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Consumer complaint received 2018-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I was on a lunch break and went through a drive thru when I found out my card was declined so I checked my online banking and it says access suspended so I called and chase gave very little information. I was stunned this all happened and would like to know why so the problem could be fixed