davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

I have been in the process of trying to refinance a loan with Citi Bank Mortgages since XX/XX/2020. This process has been terrible, I have provided all of the required documentation timely to my citi bank loan officer, but CITI bank is in adequately staffed to handle the business. So instead they miss lead their customers with false time line for closing, just to continuously extend them to another unachievable estimated closing date. I have had my closing date extend at least 6 times to date. My new estimated closing date is XX/XX/XXXX XXXX.. 6 plus months fro when this ordeal started, but I have ZERO faith in the timeline. I have reach out to the sales manager at citi, I filed a complaint at Citi, I have also tried to contact the head of the Citi mortgages sales business. They all have said the same story, " there is nothing we can do : '' This is unacceptable, considering there that my original time frame for closing was 90 days. This needs to stop as I am sure there are thousands of other CITI bank clients trying to refinance and being told the same story..
Consumer complaint received 2020-03-01
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. (CA)

FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE. 
I SENT DISPUTES WITH THE BUREAUS AND THEM DIRECTLY AND HAVE FAILED TO PROVIDE DOCUMENTATION.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have had a checking account with Bank of America for years. Recently they had started assessing a {$12.00} maintenance fee against my account. I don't log into my account frequently so I only noticed that they had done that when I was trying to make a payment yesterday and I didn't have enough money to do so because they had hit me with 5 maintenance fees of {$12.00}! It is ridiculous that BOA assesses these fees when there had been no activities in the account and also they never notified me of this monthly fee. I don't even get statements! I know I should have logged into my account sooner but I didn't realize my account will be robbed by the very institution that I placed the trust. I am asking BOA to reverse those fees that were not disclosed to me.
Consumer complaint received 2018-09-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

Last week on XXXX XXXX I paid off my HELOC loan in full sending a cashier 's check in the amount of {$18.00}. XXXX based on payoff figure provided by Ditech. I send XXXX by overnight mail. Tracking shows it was received on Tuesday XX/XX/2018. To date they have not applied my payment nor closed out the loan pursuant to the letter enclosed. I called. last Thursday and was told that by Friday it would show as paid off as of the date received. I waited until Friday and was told wait until Monday. I called today and was told by XXXX that they applied my payment to a dummy account and that she sees the check and sent an email to the appropriate department and wait three days and payment should be applied. I am tired of being given the run around. I will attach copies of proof of payment, mailing and receipt.
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Offer from Am express for Hilton Surpass card - Extend your Hilton Diamond Status through XX/XX/XXXX offer Code XXXX Card XXXX  XXXX received XX/XX/XXXX Offer not honored inspite of meeting the spending requirements and multiple calls to Am Express and Hilton Honors.
Consumer complaint received 2024-01-26
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (CT)

I have sent two letters to Plaza Mortgage, dated XX/XX/XXXX and XX/XX/XXXX requesting that they re-imburse tax funds held in Escrow for 2018 taxes that they did not pay. I have confirmed that are aware that we made the payments and provided evidence that the taxes were paid. 

I received a phone call from the first letter during which a rep told me that they had already cut a check, but that I needed to call in 15 days to have them send a new one since that one " wouldn't be arriving ''. We have called, and followed up with another letter. On XX/XX/XXXX I received a response from my XX/XX/XXXX letter stating that they had " investigated our accounts and found that everything was in order ''. I believe that information is false as they should either show extra funds in the Escrow account, or show a non-cashed check that has not arrived to us.
Consumer complaint received 2020-11-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

The bureaus not following the laws. They have not provided me with my investigation results.. I sent out several disputes in regards to my credit concerns and they have not complied ... Please help me remove my credit concerns off my credit report..
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington Mortgage Amount : {$53000.00} Huntington Personal Credit Line : {$60000.00} When spouses divorce, and the one spouse is supposed to refinance, and deliberately fails to do so, the mortgage lenders have the discretion to honor the divorce decree or not by removing the non-responsible party from the Mortgage & Home Personal Credit line.

However, if they choose not to, they don't offer any alternative solutions to the spouse who, by a legal divorce decree, isn't responsible for the loan, which also states that states no party is permitted to continue extending credit to either party using both names. Credit can only continue being extending in their own names. 

They merely suggest court and contempt of court charges which actually leaves little to no recourse for the divorced spouse to actually force a resolution, as sending someone to jail for contempt doesn't actually solve the problem, particularly when the other parties intention is solely to harm the other party, in any and all ways that they can. 

Not only is this financial abuse from the ex-partner, the mortgage company is facilitating it, when they dont follow their own procedures by foreclosing on the property when this ex-partner continues to not pay. 

While obviously NOT ideal, a foreclosure would at least provide the non-responsible spouse an actual end to the financial abuse that the bank is facilitating by failing to honor the divorce decree. 

Mortgage companies should be required to stipulate who is responsible for the mortgage & any Home Credit lInes in event of divorce and remove the other party from the loan after a divorce at the time of the signing. They should allow for amendments to be made if something changes too.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (NJ)

This is about Equifax. Since XXXX last year, I have been trying to manage my freeze online with no success! To freeze my account, I had to call in, wait on hold for hours, get diverted from one department to another, and finally got my account frozen. I was then able to log in online and see the freeze, but to my surprise, I couldn't manage it. It was always giving me an error message, every time I was trying! I again spent hours and hours with agents over the phone, to get it resolved so that I can freeze/unfreeze online as normal. I then got tons of empty promises that it would be resolved, and got a case number : XXXX. 
On XX/XX/2019, at XXXX XXXX  they sent me an email stating that it was resolved. I logged in to find I still can't manage the freeze online. I responded to that email but since then I have never heard from them. 
Trying to resolve this over the phone ( back then ) was a nightmare because of waiting times and poorly trained agents. I simply want to be able to manage my freeze online the way it is meant to be. 

Thanks. 
XXXX XXXX XXXX
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Consumer complaint received 2020-09-21
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: Experian Information Solutions Inc. (MS)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-07-27
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. (FL)

SOMEONE USED MY IDENTITY AND APPLIED FOR THESE ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

[ I've disputed account numbers : # XXXX + # XXXX ] With the collections first requesting for validation of the debt and XXXX authorization, and received letters back rejecting my dispute. My next step was to reach out the bureaus which they've also refused to comply with my request in dispute. 

I sent a letter to the credit bureau asking for them to validate the debt, they've sent a letter back stating the incorrect disputed ; collections account is correct there on their end. 15 U.S C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. They know that the debt is inaccurate at the time of my dispute and of them continuing to report whats now known to be inaccurate multiple times, but refuse to remove disputed account not validated.
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC (MI)

I previously leased merchandise through Why Not Lease It via our local XXXX store. When the store announced they were permanently closing, I went into the store and paid off the remainder of my lease in XXXX. It wasnt until XXXX when I discovered there was a balance owed placed in my credit report. I reached out to the original creditor, Tempo 09 LLC to no resolve. They told me I needed to send them receipts as proof. Why would I still have receipts years later?! This account was then sold to XXXX XXXX XXXX. Ive previously reached out to them as well with no resolve. I have disputed this charge multiple times yet it is still showing as bad debt on XXXX and XXXX  ( was removed from XXXX in XXXX ). Ive paid this debt already!
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (DC)

Infiniti has NOT been reporting my payments to any of the three credit bureaus since XX/XX/2020! I have bank statements and Infiniti  account statements confirming payments and a current status. But if you look at my XXXX, XXXX  and XXXX  reports they all show BLANK reports for the past seven months to date?? PLEASE correct my 2020 payment history on my credit report with XXXX, XXXX  and XXXX.
Consumer complaint received 2020-10-13
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: EQUIFAX, INC. (NC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-07-10
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: General Motors Financial Company, Inc. (AZ)

I paid the loan off early after getting news of a possible layoff at work. The day before the pay off check cleared ( not able to pay online, through app or phone ) my auto payment went through. I called them and was told a check was going to be cut on XXXX, XXXX 2020. When the check did not arrive I contacted them and was told the check was mailed on XX/XX/2020. We verified the address and was told they would check with a manager. I have since contacted them many times and I get the same answer. I need the refund, I did get payed off and on unemployment. 

In addition to the full refund amount Id like interest at the same rate of the original loan and late penalties as also outlined in the original contract Please help
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (VA)

This bank ( Synchrony ) first decreased my credit line limit for no reason despite making payment on time and never missing any payment, and reported to the credit bureaus which significantly lower my credit score. After a few months, they closed my account without further notice and reported to credit bureaus which also lower my credit score. A week ago, they reported false information about my account including outstanding balance and delinquency. The balance on my account was paid in full before they closed it. This bank really hurt my credit report so badly and with the last falls information reported, my credit report went down by more than 150 points. Its unfair for me to try so hard on building a credit score to be in a better financial situation and this bank ruin the work Ive been doing for so long.
Consumer complaint received 2020-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-10-13
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: Experian Information Solutions Inc. (NC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2018-09-24
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (NJ)

The company ( XXXX XXXX ) keeps repeatedly calling my place of employment. I myself called from my cell phone and asked that they not call my job. He then threatened to take me to court. They continued to call my job up to 3 times per day for the past week. Today she ( XXXX XXXX ) told my manager that she was a liar and she knew I was working here. I am close to losing my job because of this.
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPL Recovery Solutions (CA)

JPL Recovery Solutions. Told them to stop calling, they threatened to call my works payroll department and that I would be in for a rude awakening. Abusive and rude. Called me, my mom, my dad, my sister, my brother, and my girlfriend. Did not let me speak. Continued to talk and intimidate me and threaten legal action. Wanted to collect credit or debit card info to repay debt. Predatory.
Consumer complaint received 2018-09-24
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: Experian Information Solutions Inc. (TX)

Sent a letter in XX/XX/XXXX to XXXX no response filed with CFPB ( complaint attached ) The company states in the first part of report they are not the company then I responded to the response sending back up ( attached ) where they are reporting, the company sends a response they  will send back up to verify the debt they are referring to " insurance '' which I have no idea .... they responded to this in XX/XX/XXXX. 
Still have not rec 'd back up. pulled my report and they are still reporting. 
Not sure how in one report they company can state that is not there debt, then go on to say oh yes this is and its from XXXX an insurance that was cancelled. But no send back up but continue to report monthly ( attached ) from XXXX XXXX. 

I want this removed from my credit report immediately clearly the company does not have proper back up.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (OK)

On XX/XX/XXXX Barclays debited my bank account for {$99.00}. This has never appeared as a credit on my credit card account. Barclays does not answer its consumer phone, I have been on hold twice for over an hour each time. I submitted the problem 4 times on their website only to get answers that they do not understand my complaint. Barclays need to reverse the debit to may bank account or credit the funds to my Barclays card. I have given them the information they claim they need : name of my bank, its routing number, and my bank account number. But all to no effect.
Consumer complaint received 2020-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

I am a victim of fraud/identity theft. Sometime in XX/XX/2020 someone applied and received an individual loan IAO {$2300.00} under my name from AVIO Credit XXXX in XXXX, Kansas. The account went to a collection agency, XXXX XXXX XXXX XXXX, on XX/XX/2020. The account showed up on my credit reports when I checked XX/XX/2020 and I realized I had a fraudulent account IAO {$2300.00} in collections. I have disputed this account with XXXX, XXXX, and XXXX  and placed a security alert on my accounts.