davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
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)

My Equifax score dropped XXXX points and there was no changes to my credit report. The company Equifax was contacted and they agreed that there is no reason for the XXXX point drop and stated to wait until the end of the month when the system refreshes, that it will probably correct itself.
Consumer complaint received 2021-10-12
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC (NV)

My wife passed on XX/XX/XXXX with no will, so Probate has to be done. She signed Reverse Mortgage XXXX. We married in XXXX therefore Servicing Company states that I am a non-eligible spouse to purchase a loan within 30 days of death. Has requested documents from me to prove Nevada law that spouse can assume property rights of deceased wife. Has requested a " for sale sign '' by the owner to be placed in the yard even though I am not recognized as an " owner '' by the loan servicer. Sent letters dated 2 weeks back stating 30days started at the writing of the letter. Communication via email or phone replies is stated to be 10 business days between communications. and not to send or reply twice. Have secured court date for probate but is an outside window of time given by Loan company CELINK. COVIN has changed normal business practices that used to take just a few days has changed access to courts to weeks. All I am requesting is 90-day extension to allow the new loan to be obtained via VA but the answer is no. The law was changed in XXXX for spouses but this company is not giving due to families to actually pick up the pieces prior to foreclosure. This was stated FORECLOSURE would be started 15 days prior to the 90th day in order to assure foreclosure to happen on time.
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NM)

The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



American Express {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} XXXX
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I sent a letter to each credit reporting agency on XX/XX/2022. a 609 letter to provide verifiable proof of negative items that are listed on my credit report. I sent a follow-up after 30 days and they have yet to reply with any update. I also understand they are required to notify me of your investigation results within 30 days
Consumer complaint received 2021-10-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (UT)

I was provided a payoff by Chase the lender. The payoff clearly states that I can pay off the loan by XX/XX/2021. 

On XX/XX/2021 Chase decided to charge off my account. How can you charge off the account a day before the payoff deadline provided? 

on XX/XX/2021 ( day of payoff ) a REPO person showed up on my doorstep trying to reposes my car. I showed him a copy of my check and a copy of my payoff and he said he would extend for 1 week. a few days later he let me know my repo account is closed.

I sent in documentation to them to show their mistake but I am getting a run around being bounced from one dept. to another as I call in to rectify this situation. 

Chase did get my payoff amount and says the account is closed and there nothing to do. Also they are stating that they don't have the odometer declaration form. Even though I mailed that form along with the check for payment. They obviously got the check for payment so why are they giving me the run around on providing me title to my car? 

I am including the payoff that I was provided and what I used to mail the check to pay off the loan. As well as my letter to Chase stating that I want my credit fixed.
Consumer complaint received 2020-12-03
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. (MO)

I was contacted by XXXX XXXX & was asked if I made a {$600.00} purchase to be sent to an address in XXXX, Texas. & I told them NO I did NOT make that purchase or authorize anyone else to do so ( & that is NOT where I live,, & so approx. XXXX Experian has erroneously recorded that XXXX Texas address as mine.Ive requested by mail & by email & a conversation with XXXX XXXX to make the address correction ( I live in XXXX XXXX ). So today I received a notice from Experian that they updated my address, but only changed an apartment numeral ( which is still NOT MiNE ) I have no property in Texas! Please help!!
Consumer complaint received 2018-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018, I open a new checking account with JP Morgan Chase Bank. In addition, I received a coupon for {$200.00} bonus ( tracking # XXXX ) if I receive a direct deposit of XXXX or more from one of the following within 60 days : a. ) Employer. 
b. ) Government Benefits. 
c. ) or Government. 

However, in this case I received a direct deposit in the amount of {$860.00} from the government on XX/XX/2018. Unfortunately, they claimed I was not eligible when the coupon I applied for indicates that I was eligible. Therefore, I filed a claim with the escalations team and they told me that it has to be reoccurring when the instructions clearly states a one time direct deposit of XXXX or more. In addition, I recently filed another claim with the Executive Team on XX/XX/2018 and was told that I will receive a call within 2 business day.  However, no one reached out to me to try to resolve my concerns, especially after I reached out multiple times.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reached out to Transunion/XXXX to remove the XXXX  attorney general 's account from my credit report and they failed to do so. I have tried on multiple occasions to upload files relevant to this removal but the system has been not allowing me to upload documents. I have attached my files to this complaint.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: AXOS FINANCIAL, INC. (OH)

I opened a money market with UFB Direct also known as Axos Bank in XX/XX/2023. I was not informed that a {$5000.00} balance was required to avoid fees. From the first month, the bank began deducting fees, and did not notify me via email, although I had provided that at account opening. When I went to do my taxes, I logged in to find my deposit severely deleted due to fees, although I had no transactions or activity with the bank. When I called in, a representative stated that the fees would be refunded and I could close the account the following day. I made a record of this call. I checked the following day, and only {$20.00} dollars was refunded. I called again, and another rep offered to refund an additional {$15.00}, but said that the bank was after hours and I could call again the following day. When I called the following day, another rep said I refused the {$15.00} dollar refund, so that would never be offered again! That is, I was being punished for refusing {$15.00}, when I had been promised a refund of all the fees. 

This bank and the way they do business and do not make fair disclosures to consumers is a total scam. They use offshore representatives and do not maintain any US offices.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One reported to XXXX XXXX that I have a balance of over {$12000.00} when i have a {$0.00} balance according to my records AND their records. I have to file a written dispute that may take 60 days or more and in the meantime, my credit score is down the XXXX 's when i should be in the XXXX 's. This will financially impact me as it pertains to borrowing money until this is resolved. When I called them, their was no way to expedite the process even though admittedly it was their mistake.
Consumer complaint received 2023-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP (CA)

On XX/XX/XXXX at XXXXXXXX XXXX Mandarich Law Group contacted me in regards to a debt by XXXX XXXX XXXX XXXX for a credit card debt. I was advised by the representative on the phone that he was seeing what he can do to secure an agreement before the file lawsuit on this debt. From research under California Law a creditor can attempt to sue on a debt when it has been less than 4 years from the date of last delinquency or last charge. My last payment was XX/XX/XXXX. This has now been over 4 years since the last payment or charge. Yet I am being threatened with a lawsuit. I would like all information on how they are able to sue on a debt past 4 years. I will need all this information so I can present to my representation and figure out how we need to proceed.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (CA)

Recently received a hard inquiry on XX/XX/2022 at approximately XXXX California time regarding a credit application which I did not submit. I received a security code which I have placed on all inquiries and immediately went to review on my XXXX XXXX account. Possible fraud on my account and information. Tried contacting the XXXX XXXX  directly but could not get through to speak to anyone live.
Consumer complaint received 2021-06-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PNC Bank N.A. (NY)

Please be advised that PNC Bank N.A and other joint tortfeasors have willfully violated the CONSENT ORDER 13-CV 01817 by racketeering or prohibited practices ; specifically creating a fictitious debt and collecting on that fictitious debt instead of providing relief from the rescinded security NOTE gained by predatory lending practices from NATIONAL CITY BANK. 
There has been a fraudulent conversion of the religious consumers family domicile and sanctuary of over 20 years. 
Please be advised that PNC Bank N.A . and their contracted out of state/foreign third-party debt collectors XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. has committed intrinsic fraud on the XXXX XXXX XXXX County courts in violation of local and federal consumer protection laws. 
They also have committed intrinsic fraud in defense of the collateral attack on THE CONSUMER FAMILY TRUST, the U.S. DISTRICT COURT EDNY ( 18-CV 7259 ) and the U.S. APPEALS COURT FOR THE 2nd CIRCUIT ( 20-590 ). 
Please assist according to law and notify any other federal agency applicable to these crimes and tort on the consumer family. 

So, mote it be! 

https : //files.consumerfinance.gov/f/documents/National_City_Bank_-_Consent_Order.pdf
Consumer complaint received 2020-12-03
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I used a 3rd party booking website, XXXX  to book 2 hotel rooms at the XXXX XXXX XXXX  in XXXX, checking in on XX/XX/XXXX and checking out on XXXXXX/XX/XXXX.The transaction was fro {$1000.00} which included a {$29.00} AMEX foreign transaction fee- for a total cost of {$1100.00}. 

On XXXX XXXX unbeknownst to me ( and without my consent or permission ) the merchant cancelled my reservation with the hotel. The merchant was not charged- and the merchant did not refund my money. 

I have filed multiple disputes with AMEX, and I have submitted proof to AMEX- ( in the form of a letter from the hotel ) -- that confirms my reservation had been cancelled, the merchant had not been charged, and as such, had I traveled to XXXX- the hotel would have turned me away for not having a reservation. 

I have submitted multiple disputes with AMEX- on the basis of theft ( I was charged for a service I did not receive ) -- and I have submitted copies of this letter to AMEX on at least three occasions. To date- this has not been resolved. 

Today, I received the following letter from AMEX : " At this time we do not have enough information to investigate this charge for you. If you could call us to clarify why you are questioning the charge, we will investigate the issue immediately for you. '' This is theft- the merchant stole my money- I've submitted proof of this to AMEX on multiple times, have spoken with customer service at least eight times, and this has been escalated at least 3 times- but I'm still being charged -- DESPITE my submitting voluminous proof to AMEX on multiple occasions.
Consumer complaint received 2020-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (CA)

I have had paypal for about a year and i havent been able to apply for their debit card even though i am a paypal cash plus account member. They refuse to give me a valid reason. I think they are just being systematically XXXX
Consumer complaint received 2020-12-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a phone call on XX/XX/2020 from XXXX at XXXX saying they were the lead officer and we're sending out officers to arrest me due to defaulting on my loan and committing fraud. I said I had no idea what they were talking about. They then said to call their legal department and gave me this number : XXXX. I called that number and they picked up on first ring and just said hello, how can I help you. I then proceeded to ask for the legal department and they said they were it and asked for a case number. I gave them the case number that the previous caller provided me with. I told them I had absolutely no idea what this was about. They told me they were just about to submit my case to XXXX County courts for frauding an FDIC institute. I told them I didn't take a loan out. They said it didn't matter if it was me or not because unfortunately all my information was submitted for a loan. They then told me I only had 2 options. Either go to court, or set up a payment plan with them today. I told them I had no money and there was no proof that I took out this loan. They repeated the options again. I was terrified and gave them my card information. They then said I would have to make 7 payments of {$140.00}. the said if I missed one payment, I would go to court. They said because I set up a payment plan today, they temporarily froze all legal action. They said it was for Ace Cash Loan Express.
Consumer complaint received 2020-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I was contacted by Neiman Marcus & was asked if I made a {$600.00} purchase to be sent to an address in XXXX, Texas. & I told them NO I did NOT make that purchase or authorize anyone else to do so ( & that is NOT where I live,, & so approx. onXX/XX/XXXXXXXX has erroneously recorded that XXXX Texas address as mine.Ive requested by mail & by email & a conversation with Neiman Marcus to make the address correction ( I live in XXXX XXXX ). So today I received a notice from XXXX that they updated my address, but only changed an apartment numeral ( which is still NOT MiNE ) I have no property in Texas! Please help!!
Consumer complaint received 2018-10-16
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. (LA)

I had 2 open Accounts with XXXX loan, due to uncontrolled circumstances I was unable to pay the balance owed on the accounts. however, I was sued and my wages were garnished. The account ended up getting paid in full. on XX/XX/2015 a cancelation letter was mailed out that my account had been satisfied and there was no need to take anymore of my wages. As of today, tower loan is still reporting on my credit report that I have a balance with them and I DONT. I was actually sent refunds for the above mentioned account.
Consumer complaint received 2021-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One is a Corporation that continues to pursue an allege debt that I've requested a cease and desist. They are reporting the debt to all three consumer reporting agencies. XXXX XXXX, and XXXX  without my authorization which is considered identity theft according to Federal law United State Code. Also, Capital One you have ask for my social security number for fraudulent purposes is a felony pursuant to 42 USC 408 ( a ) ( 8 ) ( 9 ). You closed my credit account without my permission and according to 15 USC 1602 ( p ) The term '' unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Also, according to 15 US Code 1611- Criminal liability for willful and knowing violation. Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( A ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more that {$5000.00} or imprisoned not more than one year, or both.
Consumer complaint received 2017-12-15
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. (MA)

there were several inquiries in my credit on XX/X/17 regarding a car financing application. I only applied with one institution, but the dealer sent it to several banks including a bunch of hard inquiries in my credit
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

There are accounts that are showing up as collections that have been disputed multiple times to no avail. The credit reporting agencies continue to allow these false creditors to continue reporting inaccurate account information, erroneous dates, etc. 

As stated before, any accounts that are not listed in my name ( XXXX XXXX ) are to be removed per the drivers license and social security card provided for you during a previous complaint. This is simple. If it is NOT the name Ive provided and proven to you, then it should be removed, as I was a victim of identity theft in XXXX these accounts arent not being validated correctly and in some cases the credit reporting agency is giving creditors my name so that they change the name on their file. 

Remove it, the next step here is prosecution for fraud. If the ORIGINAL contract doesnt match then it is to be REMOVED. 

I know you are tired of receiving these complaints, because I am tired of writing them.
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NV)

CONVERGENT OUTSOURCING is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I was having such a hard time w a loan modification w the servicer that I had to hire an attorney. At the end of XX/XX/2019 I was waiting for the signed permanent modification, it took so long to get back the signed mod & there was a pending sale date-so I withheld payment to be sure my loan was modified. I made the payment late in XX/XX/2019. I also applied for a modification ( it took the lender almost a year to correct errors and send a perm modification ) & finances had changed due to wildfires in CA. I never heard back. I was given the run around about the RMA. In XXXX and XXXX, following medical orders, my XXXX  & I were XXXX XXXX and very XXXX. I could hardly function. I sent in a request for COVID assistance of some kind. Still no reply. I was placed in foreclosure during the Pandemic, while the state was declared a Disaster & sheltering in place- I was placed in foreclosure. I did received modification application, which I sent back in XXXX. Perhaps bc of COVID they were understaffed, but in that time, my loan was put in foreclosure, I incurred late fees & foreclosure fees during a Statewide Stay at Home Order. Yesterday I submitted a request online for COVID assistance & sent in a RMA. I attached the docs here, aside from tax returns bc of size.