davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC. (VA)

It is important to know that the home we lived in was scheduled for demolition giving us less than a month to vacate at the time. 
I had been working with First Citizens Bank ( XXXX XXXX ) to obtain a 15-year mortgage loan. During communications I specified on numerous occasions that I wanted a 15-year loan. ( Loan # XXXX ; for XXXX ) Two days before closing XX/XX/XXXX ) and the deadline to vacate our residence, I met briefly with Mr. XXXX to provide requested documents and inquired the amount of my monthly payment. Mr. XXXX informed me that my payment would be {$880.00} ( less escrow ) I ask Mr. XXXX how he had managed to get a payment that low on a 15-year loan? He informed me that it was a 30-year loan. I told Mr. XXXX that I did not want a 30-year loan that I had repeatedly requested a 15-year loan. Mr. XXXX told me that it would take at least three weeks to re-do the loan. He knew that I didnt have three weeks because I had to be out of the house by the XXXX of the following week. ( about 4 days- demolition on the house was already taking place. ) Mr. XXXX informed me not to worry that to wait a month or two and he would re-do the loan and that I would not be required to pay closing cost again. This never happened. 
I kept requesting a 15-year loan and First Citizens started the process at least 3 times XX/XX/XXXX ; XX/XX/XXXX ; and the third time I dont recall the date. 
I closed a second time in XX/XX/XXXX costing me approximately an additional {$6000.00} in closing cost. Plus my families future standard of living has been reduced due to paying elevated interest that I should not have hade to pay. This does not include the stress.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Portfolio Recovery sent my collection to XXXX XXXX XXXX. From there they contacted me and I came to a settlement of my account there for XXXX less than the original amount. After settling the collection was removed off of my credit report. Just three days ago it popped back on my credit report saying I owed that XXXX difference. Today it also reported that im late on that XXXX also. I called them for the last three days between the two companies and no one was cooperating and did not assist me with the reasoning behind this. I asked the Law Firm and they say they dont report to the credit bureaus and i have to contact Portfolio Recovery. When I call Porfolio Recovery they only say that XXXX XXXX XXXX was the only ones who can talk to me about it. Many times Portfolio Recovery hungup on me. I got it recorded two times of one representative hanging up on me and one supervisor hanging up on me.
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Recently received notification of an electronic funds request. 

Closed Bank of America Account Identity Theft External account access to account Fraudulent mail correspondence Cell ported number Can not contact Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Consumer complaint received 2019-06-06
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 (FL)

I was offered a sign on bonus for a credit card. And after applying for the card ( requiring a credit check ), making the minimum spend requirement, paying the annual, fee, I was denied the sign on bonus due to closing too many accounts. This was after I have been using the card for 3 months. Usually, there is a warning prior to applying for the card that they may you deny your sign on bonus, I was given no such message/warning. 

After multiple complaints and internal investigations the last 2 weeks and explains to them I closed other accounts for person reasons and trying to fix my bad credit score, i was still denied the points.
Consumer complaint received 2020-09-02
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: Paypal Holdings, Inc (TX)

I filed a dispute complaint to PayPal about an unauthorized charge to my paypal account through my PayPal account. I was notified by PayPal that my claim is denied and I has the right to obtain the supporting document for their decision. I followed their instruction asking for the document ; and then, PayPal changes their statement and told me that the related documents can only be requested by USPS mail ( not by email or phone call ). I strongly believe PayPal is artificially creating procedure difficulties to block customers from obtaining critical documents.
Consumer complaint received 2019-06-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NQM Funding, LLC (FL)

The mortgage company had the date of XX/XX/19 to close with a commitment to finance date of XX/XX/19. Because it only submitted the commitment on XX/XX/19, the closing date was extended to XX/XX/19. However, the closing did not take place! No reason given, except that they are not ready. On XX/XX/19, the seller relisted the property. I informed the mortgage company and was told that it did not mean anything and that they would close soon. On XX/XX/19, when I realized that the company could not come up with anything concrete, I informed them via email that if by XX/XX/19, they did not at least give me a concrete date to close, it would mean that they can not and will not close and it would be time for me to move on. That same day of XX/XX/19, at about XXXX XXXX, the loan processor responded by email stating that she has sent all my documents to underwriting for clearance ... Again, XX/XX/19 came ... and I heard nothing from them! The seller wants me to sign a release canceling the contract and forfeiting my {$3000.00}. EMD. Having heard nothing from the mortgage company in terms of the underwriters ' decision, on XX/XX/19, I printed out the email where the loan processor informed me that my documents were sent to underwriting and attached it to an email to that loan processor demanding a written response from underwriting without delay. I got no response. On XX/XX/19, I informed the loan processor via email that a complaint would be filed against her with this agency on XX/XX/19 unless she responded and the email would be used as reference. A few minutes later, she responded, but only to tell me " to forward that email to the branch manager ... '', to which I responded by advising her that it was her duty to do so, even if she no longer worked there. I also told her that my deadline of XX/XX/19,,, still stood! To this very minute, I got no response!
Consumer complaint received 2020-12-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint Number : XXXX I have tried to dispute this issue with Transunion and have filed a complaint with CFPB on XXXX2020 with complaint number : XXXX. Transunion response to your request by stating that they will contact the companies involve to resolve my complaint within 30 days and will notify me in writing the results. As of today XXXX2020 I have not receive any response or written notice of the results. They are not following up with the response. Please reopen this complaint and help me resolve this issue. Thank You.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This item is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

the written and signed agreement is for {$26.00} per month for a promotional agreement between Best Buy and me with a XXXX setup. 
My XXXX bill continues to show {$45.00} ( see on yellow highlight on the copy of latest bill from XXXX ) I filed with the FCC against XXXX. 
When I call XXXX they say call Best Buy. 
When I call Best Buy they say call XXXX. 
I want out of the contract and all my money back.They can have the phone.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX Fraudly signed my signature on behalf of their rep XX/XX/2020 without my knowledge after taking my credit card information through online chat, I never received any update or response, whenever I would call and inquiry about the payment I made, I got hung up on or transferred and the call would be disconnected. Then a few months go by and I get a bill for a third-party collector and I asked for the original document with my signature. They provided me with documents I did NOT sign ( in person or electronically ). I asked if they could provide me with the IP address of the electronic signatures, so I can see when, where, what day, and time this " signature '' was made. XXXX XXXX XXXX, said they will not provide me with anything as they sold my account to a collection agency. They said I had to dispute with the XXXX XXXX agency. I disputed with XXXX and they just keep providing me with the falsified documents from XXXX XXXX XXXX. I then disputed this with Transunion Credit Bureau, who continues to send me back, " VERIFIED ''. HOW are they verifying an electronic signature, without investigation into the matter. Debt validation is your federal right granted under the Fair Debt Collection Practices Act ( FDCPA ) and I need proof, if you can not provide me with the IP ADDRESS with the date stamp, time, location, and who it was made from, it needs to be removed. The XXXX  rep refused to give me an address or phone number for them, so I could submit this complaint. They have not done anything to rectify this situation.
Consumer complaint received 2020-08-31
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX  XXXX {$2100.00} XXXX   XXXX XXXX XXXX {$570.00} XXXX XXXX {$89.00} XXXX  XXXX XXXX {$390.00} XXXX XXXX XXXX {$690.00} XXXX  XXXX {$980.00} XXXX   XXXX {$1400.00}
Consumer complaint received 2021-01-28
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: The Best Service Co.,Inc (CA)

I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

XXXX XX/XX/XXXX Balance : {$18000.00} XXXX XXXX XX/XX/XXXX Balance : {$1500.00} XXXX  XXXX XXXX  XX/XX/XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XX/XX/XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX Balance : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XX/XX/XXXX Balance : {$1600.00}
Consumer complaint received 2021-01-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (CA)

As we continue to validate this debt with AWA COLLECTIONS.they have forward me a contract of validation without properly showing validation of Driver License, nor submitted to the legal Signature that matches the Driver license. Anyone can produce the names on this contract. Ive notice that there is 2 unknown people on contract explaining that they are excluded but then are designated driver on another page .. I am not familiar with these names or is affiliated in any term.

Under the FCRA law Ive asked AWA COLLECTION to validate payment proof of history records. Identification picture and social security copy as when signing up for any insurance they asked for 2 valid proof of identifications. AWA Collections have still not provided genuine validation of this debt and I still have no acknowledgment of this contract and still is a mystery AWA COLLECTION is eager to get some sort of settlement. 

AWA Collections FCRA is a law
Consumer complaint received 2020-02-19
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)

My identity has been compromised and accounts has been opened and closed in my name, awhile ago this has been reported to all the credit reporting agencies and yet to be resolved as of this writing. Therefore, I'm demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX {$860.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX {$1000.00}
Consumer complaint received 2020-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX  XXXX {$2100.00} XXXX   XXXX  XXXX  XXXX {$570.00} XXXX XXXX {$89.00} XXXX  XXXX XXXX {$390.00} XXXX XXXX XXXX {$690.00} XXXX  XXXX {$980.00} XXXX   XXXX {$1400.00}
Consumer complaint received 2019-06-06
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. (NJ)

I have sent this credit reporting agency request for change in my personal information along with disputes and verification request About in for incorrect information that is posted to my credit with file. I've sent them multiple disputes about inquiries and charged off accounts. On a few occasions they have updated information but giving me no proof or verification as to how They gained that information and who they gained it from. 

They have shared my report without my consent and at least one case they have placed a security freeze on my account without my consent. 

On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent certified affidavits disputing information on my credit report and requested Verification and information on who and how the verification was done. All Requests were signed and dated in front of a Notary Public. 

Almost every time i sent letters it took over 30 days for a response. 
I also sent multiple requests over the past one year and 6 months requesting this information be corrected and verified that was not sent first class mail. 
They Have Allowed XXXX XXXX, and XXXX XXXX XXXX, to Post incorrect And unverified information on my credit report for over 5 years.
Consumer complaint received 2022-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I do not recognize the following inquiries on my credit report. These inquiries are a result of FRAUD/Identity theft. Please remove the following inquiries from my credit report as I do not recognize them. My personal information was exposed in the XXXX data breach. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

I filed several disputes with XXXX  regarding the Nelnet student loan accounts. My loans have been rehabilitated as of XXXX of XXXX and are in good standing. The Nelnet account has been closed since XXXX, but they are still reporting every month on my credit report. On XX/XX/XXXX Nelnet reported that I had a 120 day late which was not correct. My loans were in rehabilitation at that time and the Nelnet account was already closed for 4 years. I asked numerous times for this to be removed from my credit report as it is hurting my credit score and making it hard for me to have a better quality of life. The other two credit bureaus ( XXXX  and XXXX  ) have already made the adjustments after their investigation, however  XXXX  refuses to remove the false information.
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF NATIONAL BANK (MI)

In XXXX, 2016, I applied for a mortgage, at XXXX XXXX, for a condo in XXXX XXXX Michigan. I wanted a fixed rate loan, but the loan officer told me that she could only offer me an ARM. I told her that I didn't want the ARM - I'd rather back out. She told me that once I had been working a few more months at my job, she would refinance my ARM into a fixed rate loan, with no closing costs. She also signed a formal letter stating that she intended to refinance my ARM to a " standard 15 year fixed rate not to exceed 2.875 % with no closing cost paid be you ''. So, I agreed to the ARM. I have an electronic copy of the letter. 
The first time I called her to honor her promise, she told me to wait a little longer until the national interest rates went back down. I called her every couple of months. Either she wouldn't answer, or say that she would she would get to it right away. She has never honored the promise. The last time I called her was a couple of months ago. 
She has since moved to XXXX XXXX. XXXX XXXX  has been bought by Chemical Bank, which is now TCF Bank. I called TCF, and they refuse to honor the promise because it was made by a bank that no longer exists. 
Interest rates are currently low, but I still can't get her to honor her promise.
Consumer complaint received 2023-03-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (MI)

American Credit Acceptance ( ACA ) arranged for my vehicle to be repossessed. XXXX XXXX  is the company that towed it. They broke my door handle off while it was in their possession then hid it so I didn't find out until hours later. I contacted ACA who provided contact information for XXXX XXXX XXXX. I sent an email, as I was instructed to do, with full details and photographic evidence. This was all on XX/XX/XXXX 

XXXX says there is no evidence and denied my claim on XXXXXXXX They're saying to address the issue with XXXX- the company that hid the damage so, obviously, had no intentions of holding themselves accountable. The XXXX site has TONS of complaints about this company denying claims for damage done by their agents. They need to be investigated to the fully extent.
Consumer complaint received 2021-01-28
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. (FL)

Please investigate and delete XXXX XXXX XXXX, disputed false account XXXX ( copy of credit report attached ) due to : 1. Last payment date doesnt tie into statements provided by XXXX 2. Account doesnt belong to me.
Consumer complaint received 2019-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These items below do not belong to me at all. 

XXXX XXXX XXXX # XXXX {$1500.00} XXXX # XXXX {$1400.00} XXXX XXXX # XXXX {$1300.00} XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$1000.00} XXXX XXXX XXXX # XXXX {$1000.00} XXXX XXXX XXXX # XXXX {$930.00} XXXX XXXX XXXX # XXXX {$640.00} XXXX # XXXX {$380.00} XXXX XXXX XXXX # XXXX {$300.00} Collection # XXXX {$230.00} Collection # XXXX {$230.00} Collection # XXXX {$220.00} Collection # XXXX {$220.00}
Consumer complaint received 2020-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My identity has been compromised and accounts has been opened and closed in my name, awhile ago this has been reported to all the credit reporting agencies and yet to be resolved as of this writing. Therefore, I'm demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX {$860.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX {$1000.00}
Consumer complaint received 2019-06-06
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. (UT)

XXXX/XXXX XXXX is reporting a late I do not have. I paid the account off in XXXX and I should not have a XXXX late. They called me and said it was a mistake and that they would fix it however they have not done so. I should not have a late on this account it was paid off and it is their mistake.
Consumer complaint received 2019-06-06
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. (UT)

XXXX XXXX is reporting a late I do not have. I paid the account off in XXXX and I should not have a XXXX late. They called me and said it was a mistake and that they would fix it however they have not done so. I should not have a late on this account it was paid off and it is their mistake.