davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-31
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. (GA)

I reported this to equifax before that my last name in my credit report is reporting wrongly as XXXX. I never had formerly name XXXX. My correct last name is XXXX. I submitted my social security card and passport biographic page that has my correct information and it was correct and it reappear again.
Consumer complaint received 2017-12-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

**Applied for and was approved for a personal loan a total XXXX **In the granting process I put up a vehicle title **I made regular timely payments monthly **I walked into the financial loaner with an outstanding balance owed - XXXX **I made a substantial pay-down to the balance with XXXX remaining very minimal outstanding balance XXXX **made repeated requests and pointed out - the XXXX XXXX holds greater collateral then that of the small personal loan remaining of XXXX **repeatedly requested they renegotiate the loan, release the title, lower the interest
Consumer complaint received 2021-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC. (IN)

This is my 6th complaint against Axos Bank with no resolution. After telling me XXXX has denied the chargeback and still no valid tracking information has been provided. Axos advised me to work it out with the merchant. ( Again ) here is XXXX response from the XXXX and an email from the exclusive resolution team. here is the NEW information. no further resolution will be available with the merchant I need the chargeback completed. as the order WAS NEVER received.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (OK)

I paid off the settled balance as agree, unfortunately the settlement agreement was never signed by your company ( XXXX XXXX ) in which I was promised that the settlement agreement would be signed by XXXX XXXX. I was the only one that signed the agreement. And as far as my Proof of claims letter and debt disclosure letter is concerned, those are a total of XXXX questions on those documents that i as a customer/consumer have a right ask. Unfortunately, no one from XXXX finance answered the questions. The only response was " YOU DEMAND '' I stop sending " SCMEMS ''. Why haven't XXXX XXXX signed the settlement agreement that was sent to me through XXXX? I was promised that after payment XXXX XXXX will email me a signed document from them agreeing to the settlement contract agreement. " MY QUESTION IS THE AGREEMENT VALID '' as opposed to a final receipt? Just like XXXX XXXX Has a right to email me or call me to ask " THIER '' question to settle at a certain percent, I have the exact same " RIGHTS '' to email or send a letter with questions. And if the questions are avoided/ignored then I have a right to assume the inaccuracy of the account/contract/assigned contract invalid and yes return respectfully the XXXX XXXX XXXX blazer. My questions are fair in the debt disclosure letter and proof of claims letter. However, you/XXXX STAFF insulting response TO MY XXXX QUESTIONS was " XXXX XXXX IS DEMAMNDING ME TO STOP SEND FRAUD SCHEME LETTERS '' No one called me to cover the questions. Also, certain things weren't disclosed in the time of signing the " ASSIGNED CONTRACT FROM THE DEALERSHIP. PLEASE RESPECT MY REQUEST AND MAIL ME THE " SIGNED SETTLMENT AGREEMENT AS WAS PROMISED FROM XXXX XXXX. RESPECTFULLY IF YOU HAVE FURTHER QUESTIONS, PLEASE CALL ME AT Thank you, Respectfully, XXXX XXXX XXXX
Consumer complaint received 2018-01-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

Occ # XXXX PUBLISHED XX/XX/XXXX XXXX XXXX XXXX  I just discovered another listing of XXXX XXXX XXXX in my files on XXXX dated XX/XX/XXXX stating the property is owned by XXXX XXXX XXXX. 
( I've never done any business with XXXX XXXX XXXX  ) and would like some answers. 

At the top it gives the same listing property id XXXX that XXXX XXXX had on his purchase agreement that he presented to XXXX XXXX XXXX court time stamped XX/XX/XXXX @ XXXX claiming he bought the house for XXXX, and that I am absolutely sure was conducted in his handwriting. 

I notice at the top is XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX cell or XXXX XXXX XXXX I have never had any dealings with XXXX XXXX XXXX XXXX   XXXX XXXX listed and would like to know how they came into the picture. 
Please explain to the cfpb for me in writing.
Consumer complaint received 2018-01-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

On XX/XX/XXXX I mailed letters to XXXX XXXX XXXX AND XXXX XXXX for three collection accounts that I stated I did not open. The three accounts were for XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX. I requested proof of these debts to validate and verify and the only documentation that was sent to me was a statement and a balance that was on the account. There was no signed contract showing the account was mine. XXXX has since deleted these collection accounts because debt could not be proved.
Consumer complaint received 2018-01-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

After sending a validation of debt letter to said company, i received a form asking for me to release my medical records to them so that they can provide me with what they used to verify the alleged debt. If i have to sign a release form so that collectors can prove a debt is mine, how was the debt ever verified? This company have not sent me any validation to this date but have a reported on my credit report a debt, that i have to sign for them to verify. This said debt does n't belong to me. I want physical proof of the original bill that they used to verify debt. not a request to release my medical records, thats inhumane, and an invasion of my privacy to ask for such. If they could verify the debt is mine they would n't need a release form, therefore they are reporting unverified information to the credit bureaus violating FCRA. Do not respond to me via email, mail, or phone, all response is to be via this website. Please upload proof of validation to this site or remove from all 3 credit reports. Thank you
Consumer complaint received 2021-10-04
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

On XX/XX/2021 Infiniti of XXXX initiated an unauthorized inquiry to my consumer report on behalf of I, consumer, XXXX XXXX without permissible purpose. I have attempted to fix this issue with the company.
Consumer complaint received 2018-01-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (CA)

I AM TRYING TO COLLECT EXTRA MONIES COLLECTED DURING ESCROW FOR THE PAYMENT OF FLOOD INSURANCE. I PAID A COMPLETE YEAR OF INSURANCE BEFORE ESCROW CLOSED. I AM PAYING A MONTHLY CHARGE FOR THE NEXT YEARS INSURANCE WITH THE PRINCIPAL PAYMENT. THERE WAS AN ADDITIONAL {$1000.00} COLLECTED IN ESCROW TO PAY FOR 2 MONTHS WORTH OF INSURANCE UNTIL MY MONTHLY PAYMENTS ACTUALLY STARTED. THE REMAINING BALANCE IS {$610.00} THERE IS NO REASON TO KEEP THIS AMOUNT. I HAVE RECEIVED 3 LETTERS STATING THEY ARE RESEARCHING. 
TO DATE -- NO RESPONSE.
Consumer complaint received 2017-12-31
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: Experian Information Solutions Inc. (NY)

This account was charged off in XXXX. I checked my experian credit report and I see missed payments for this account in XXXX, XXXX and XXXX of XXXX and XXXX +XXXX of XXXX. This account was charged off years ago!
Consumer complaint received 2024-01-30
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-09
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 (CT)

My credit card was charged for a purchase on the value of {$1200.00} on XX/XX/XXXX of XXXX. The purchase was made on XXXX XXXX. I received a text from BofA about a suspicious purchase on my card. I called them right away to cancel the purchase. They put a fraud dispute and after 2 months decided that I did not win the dispute and I will have to pay for that purchase that I did not make because the hackers used my address as well as my card number. All I know is that I didnt purchase anything and on the day and time I received the text I was at my job at a Hospital and my card on my pocketbook. I have my coworkers to testify of what happened.
Consumer complaint received 2017-11-16
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. (CA)

On XXXX XXXX, 2017, I wrote this credit repository and all the creditors being reported incorrectly on my credit report. There are several collection accounts that I disputed which does n't belong on my credit report. Requested validation documents to be provided to me and I have not received what I am lawfully requesting and it is more than 40 days now. How can the bureaus report that such disputed items have been verified? How did you verify the information? Is n't it unfair that I did not receive validation documents within the required timeframe as stipulated by the law, you being able to verify the pieces of information and me, on other hand can not?! What documents did you use in your investigation? Is n't that a violation of FCRA. Not being able to provide validation documents. Reporting an item verified when they are unsubstantiated?
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NV)

I mailed a request to close my checking account with Citibank in XX/XX/XXXX. At that time the account balance was {$0.00}, with no transactions pending or scheduled for the future. 

I received an e-mail notification on XX/XX/XXXX that a $ 12 monthly fee had been charged and my account was overdrawn. I spoke with Citibank via phone later that day, and reiterated my intent to close the account. I was told the fee had been removed, and my account had been closed. I then received another e-mail on XX/XX/XXXX indicating that a {$46.00} fee had been charged, and my account was therefore overdrawn. I spoke with Citibank via phone later that day, and again reiterated my intent to close the account, and was again told the fee had been removed and my account had been closed. I then received another e-mail from Citibank on XX/XX/XXXX indicating my account was overdrawn by {$34.00}, and a demand for payment of the fee, or the account would be closed.
Consumer complaint received 2020-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NC)

On XX/XX/2020, at around XXXX-hours Eastern, I attempted to sign-up for an XXXX account. A part of this process was linking my PNC Bank account. The effort failed, with XXXX stating that " PNC has made a change that prevents you from being able to link your accounts ''. No call from Fraud Protection. Other than an automated email saying that received the request, no communication at all. This is my account, I provided valid credentials for XXXX to access it. It's not up to PNC to decide if I can, or can not, access my account.
Consumer complaint received 2017-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

XXXX XXXX # XXXX In XXXX 2017, XXXX personnel initially translated XXXX reward points into {$470.00}. Surprised me as I expected it to be worth {$790.00}. They then said I could n't credit my account with the points as I owed LESS than {$470.00}. I then traveled and charged my card so as to have a balance in excess of {$470.00}. Upon my return I asked XXXX to credit my account for {$470.00}. The first two people I spoke with ( on XX/XX/17 ) told me I could n't do that because my balance EXCEEDED {$470.00}. I ended up speaking to 5 people that day ( in addition to 3 people before I traveled ) XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. 
Each person calculated a different amount for my rewards.I finally received only {$390.00}. 
This from XXXX points!! THEIR SYSTEM SHOULD BE MORE TRANSPARENT TO XXXX USERS. EVEN THEIR OWN PERSONNEL COULD N'T FIGURE IT OUT. 

I 'd like the difference of {$78.00} ( between the {$470.00} I was promised in XX/XX/XXXX and the {$390.00} I was eventually " rewarded ' ) credited to the balance on my account, which I have since closed. I left a balance of {$78.00}.
Consumer complaint received 2017-07-11
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. (MN)

I have leased a   XX/XX/XXXX    XXXX   XXXX   since  XX/XX/XXXX . My monthly payment is  XXXX . I requested a deferral of two of my lease payments for the months of  XX/XX/XXXX  and XX/XX/XXXX . On  XX/XX/XXXX  and  XX/XX/XXXX , I paid two deferral fee 's of  XXXX  each. I was told that the payments for the month of  XX/XX/XXXX  and  XX/XX/XXXX  would be added to the end of my lease. My credit reports show for the month of  XX/XX/XXXX  and  XX/XX/XXXX  that I am 30-59 days late. I also made two payments on my lease in  XX/XX/XXXX  with the final payment being made on  XX/XX/XXXX  and  XXXX  reported me 30-59 days late the same day that my payment posted. I have asked the credit dispute department to remove these items from the credit bureau 's. They did remove the marker for  XX/XX/XXXX  but declined to do anything further. This is impacting my life. I have now had   XXXX   of my older credit cards reduce my credit limit by  XXXX  dollars due to the way  XXXX  ha s reported.
Consumer complaint received 2017-07-11
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. (TX)

My Experian credit report is not pulling back any information, after having over 8 years of credit history. I 've talked to countless representatives who have only transferred or referred me to other departments who have not been able to resolve the issue. XXXX XXXX of 2017 was the last time I was able to view my credit score and report on the paid version of Experian.com. For the last two months I have been trying to review my information, look for changes or updates and the system will not refresh, even though it tells me there 's an update available. When calling, every representative tells me that my credit report is n't showing any information, then they ask me a series of questions that are not related to any of my account history. I was recently told- over 30 days ago, that I would receive a credit report so that I can review it for accuracy and they will resubmit my information into the system to pull a score. I am unsure what information they would be sending since they have previously advised me that I have no information in their system all of a sudden, and needless to say, I have yet to receive that report that I was promised. <P/>I would like my credit report fixed, reading accurate, and I want to be able to view my current score for free since I have previously paid for service that I have not been able to use.
Consumer complaint received 2020-04-19
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (PA)

XX/XX/2020 WestLake Financial Services called me about paying my car note. I explained to them that my job is closed due to this covid19 crisis. They push my payment to the end of my loan. They called me XX/XX/XXXX & XXXX XXXX  about a payment. They know that this world is in a crisis. I'm not understanding why they just didn't freeze or suspend payments like everyone else.
Consumer complaint received 2018-01-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diversified Consultants, Inc. (TX)

I have been dealing with Diversified Consultants damaging my credit and have tried to get this removed to no avail. I started researching and found that they were denied insurance by the state of Texas and therefore not licensed to collect in the state of Texas. Therefore not only are they damaging my credit and life but they are doing so illegally.
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX I got a new phone with a new phone number. On the previous phone I had my Citibank XXXX debit card linked to XXXX XXXX without issue. Once I attempted adding this card to my new phones XXXX XXXX, I got a text message on the new phone number from Citibank asking me to call into the fraud department because there was suspicious activity observed on the account. This happened before when I originally opened my account in XX/XX/XXXX and a simple phone call to the bank resolved the issue. However, when I called into the bank this time they went through a verification process they claim I failed then informed me that they had blocked my account. The point this failed is when they asked my security word for the account. Although, admittedly an unsafe practice, I always have my security word the same across EVERYTHING I use and is distinctly different from my banking password. I went onto my online portal to check my accounts after the call, and indeed, my checking and savings account had been removed from the online account. 

Hours of hold time later, I spoke with someone in the XXXX who told me that the account was blocked by someone in a branch. I knew this to be untrue, as this was all done over the phone. They told me that there was no way to unblock the account over the phone so I would need to go into a branch. I called a branch in New York as that was the first result in a search for a branch on the Citi website. I spoke to XXXX XXXX, Vice President of Wealth Management, who advised me that because the account was opened online, I had no physical branch to go into and that I would need to give the XXXX number a call back. I did so and they told me that I would need to go into a branch because it was a block placed by a branch. This goes in circles. I call a branch, they tell me to call the fraud department and then nothing is resolved. So I am now going on a better part of 3 months without access to any of my funds in both accounts including direct deposits from my employer.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I was incarcerated from XXXX XXXX and sent my proof to Chime bank as well. My wallet, car keys, etc was left in the home I shared with my ex girlfriend at the time. I too sent in the police report that I filed against her as well. On XXXX XXXX she made unauthorized transfers to her account for {$410.00} dollars then on XX/XX/XXXX upon my release she got hold to my new card that was sent to the home address in which I sent proof that I can not legally be at ; and she activated the card and transferred another {$600.00} dollars. As I mentioned I provided my incarceration documentation, police report, and bond conditions. Ive been denied 8 times and each time the investigation send me the documents that they based the decision off, they never include my incarceration papers ; despite the staff physically attaching my documents themselves. This has almost been 2 months and its an ongoing headache. I just want this properly resolved if possible.