davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN SECURITY MORTGAGE CORPORATION (NC)

XX/XX/2020, I contacted XXXX XXXX XXXX XXXX XXXX XXXX with American Security Mortgage. Initially I requested to refinance my mortgage from a 4.25 % 15 year to a 2.5 % 30 year mortgage. I was informed by XXXX XXXX after pulling my credit that this was an option contingent on my home appraisal. After several emails and text messages XX/XX/2020 I placed everything on hold due to a family emergency. I texted XXXX and informed her I would not be moving forward with the refi because of my family emergency. XX/XX/2020 XXXX reached out to me again, I advised her I needed cash out of {$55.00} and refi, XXXX informed me I could take this amount at 3.5 % depending on appraisal. XX/XX/2020 the house was appraised for $ XXXX, XX/XX/2020, I received an email from XXXX XXXX, XXXX XXXX 's assistant requesting that I sign documentation without any rates or information provided, after demanding all needed information XXXX XXXX finally responded XX/XX/2020. she stated the following " Do to my credit score, cashout, and refi the rate would be 4.25 % not 3.8 % previously stated with $ XXXX cashout not $ XXXX ''. When asked about payments and previous rates XXXX then stated she can only do $ XXXX $ XXXX with 3.6 % out. XXXX XXXX also stated if I do not take the terms and conditions I would be responsible for the appraisal fee, although the appraisal was based on previous rates and conditions provided by XXXX. 
This is a case of Mortgage Fraud and bait and switch, Mortgage fraud through bait and switch. Bait and switch is a kind of fraud in which the mortgage lender lures consumers by advertising loans at a low interest rate so that customers can submit their applications for the low rate mortgage. Afterwards, the lender reveals that the particular loan offer is not available and he offers a substitute loan program that has a comparatively higher rate. 
After several emails, XXXX insisted that I just refi as previous stated although per her emails she changed the rates and conditions of the loan several times. 
All information was provided to XXXX XXXX before the appraisal now she is stating based on the information she can not provide the terms and conditions she offered previous to the appraisal and stated I am responsible for the cost of the appraisal based on Bait and Switch loan tactics.
Consumer complaint received 2020-10-12
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: EQUIFAX, INC. (AR)

The problem started with the credit report Equifax created for me in the year of XXXX making my date of birth XX/XX/XXXX, while I worked for International Paper Mill after being laid off for a week and going back to work with my daughter 's SSN as my SSN and later all other applications that have been filled with my daughters SSN number instead of my SSN number and the fraudulent through Prosper MarketPlace in the year of XXXX, after realizing the in the year of XXXX that the loan was fraudulent I filed several reports with the FTC, Police Dept, and Consumer Protection Bureau of Arkansas. I filed a claim through XXXX XXXX XXXX XXXX, which represents EQUIFAX, which as of today XX/XX/XXXX, I have not receive any response from the company on my claim and it has been two years with no response at from the insurance company. Like I have stated in many of the complaints I have filed with you all Equifax is the reason I am no longer at XXXX XXXX XXXX putting me into situations of creating hostile and criminal activities against mY daughter and myself for the past 19 years going on 20 years. My daughters and I are part of the Equifax Data Breach for the year of XXXX which has tremendously put me in a crisis for the past 19 years of my life from jobs to financial matters that has been overwhelming to me to recover from this loss since I left XXXX XXXX XXXX in the year of XXXX started at XXXX XXXX XXXX on XX/XX/XXXX or XXXX of XXXX, not in the year of XXXX XXXX
Consumer complaint received 2020-12-04
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. (OR)

Have a veterans loan with XXXX XXXX. XXXX XXXX automated payment processing system failed and is flawed. This resulted in missing several payments. I found out my accident that the payments had not been made. XXXX  never completed a phone call or mail notification of the problem. XXXX  removed the late fees and corrected the problem. 

The exact problem happened again. Again no phone calls or written notification of problem. Until I received a default/foreclosure notice in the mail. I immeadiately started working with XXXX for weeks to correct the problem. However XXXX  and its processor did not have a working phone system or answering machines. They also do not have a method for email communications. I eventually pretended I was a new customer and was able to contact them by phone. They worked on it for weeks but never found a problem. They never suggested an alternate method of payment. 

When I made manual online payments, the system showed I made the payments, even when checking days later. However after a week or so the payments would be reversed because their payment system is horribly flawed. 

I finally mailed them a check because I didn't want the foreclosure process to continue. 

The account is up to date now and they have removed late fees and penalties. However, my credit report is ruined as they reported to three credit agencies that I had late payments. So now I can not refinance or take out a car loan. They still do not have a way to contact customers about issues, via phone, email, or US mail. They have not corrected the credit reporting problems
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (FL)

In XX/XX/2020, they reported to the credit bureau I did not make a payment and I was late. The account was never late, I made the payments. They made a mistake on my account and did not credit a late fee. This was there fault the late fee was finally credited and the account was current.
Consumer complaint received 2020-09-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I, XXXX XXXX XXXX, am submitting a complaint of behalf of MYSELF. 
This complaint in response to a dispute submitted on XX/XX/XXXX ( Report Number : XXXX ) which is attached along with a plethora of other documentation. I was notified on XX/XX/XXXX that the account was verified. My Experian was updated on ( XX/XX/XXXX ) with 54 charge-offs reported and a high balance of XXXX that was charged off. The past due balance shows {$7200.00} and the last activity shows XX/XX/XXXX. I called Experian the same day and spent over an hour on the phone with Experian representatives NONE of them could answer my questions and I was repeatedly hung up on or transferred to someone whose only response was to file another dispute. Even after disputing this account as inaccurate XXXX XXXX continues to report different information to each bureau for the SAME account! My XXXX was updated ( XX/XX/XXXX ) that the high balance on the account is XXXX. The last activity for XXXX  is showing XX/XX/XXXX. The account was deleted from my XXXX  account in XXXX. 
It is illegal for a credit bureau to report information that has not been properly verified and Experian has not done their due diligence in verifying this account. I am attaching screenshots that XXXX XXXX is blatantly reporting inaccurate information to the credit bureaus which is ILLEGAL. Their actions have caused my score to drop XXXX points and has put my mortgage approval in jeopardy. 
I am requesting that XXXX XXXX expeditiously remove this inaccurate information from my credit reports IMMEDIATELY. I am XXXX XXXX XXXX and clearance requires that I accurately report any debt or delinquencies. This information changes so much which makes this requirement impossible. Both of the companies have continuously violated my rights under FCRA.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-01-02
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: JPMORGAN CHASE & CO. (FL)

Hello, dear Madam, dear Sir, Back in XXXX, my credit card with Chase reported a missed payment. 
Now that I am looking for financing for a house for my family it's causing an issue. 
Hence, why it's coming up now. 
I have tried calling Chase multiple times over the months of approx. XXXXXXXX XXXX XXXX XXXX XXXX XXXX wrote them a letter in XX/XX/XXXX and now have even visited them in the bank just on XX/XX/XXXX in XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, asking them to fix the mistake. 
There were enough funds in my bank account to pay for the funds and it's been the only, the very only missed payment showing up for the duration of almost XXXX years I have been living here in the XXXX and there's a mistake here. 
They come up with different reasons, explaining they can't look back that far, they think it wasn't a technical error, even though they say they can't look that far, it will be gone shortly although they can't confirm when. The reasons vary and are non-sensical. 
There's mistake been made here and I kindly ask for your help here to get this fixed. 

XXXX to Chase, XXXX XXXX  and Bank statements showing sufficient funds over the relevant months in XXXX are attached. 

Thanks very much, With best regards, XXXX XXXX
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I have received a collections notice on my credit report. I don't owe any money and this is the first time I'm hearing of this debt. I want this item removed from my credit report. 
Fair Credit and XXXX Amount {$10000.00} Account : XXXX
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NJ)

Wayfair Credit through Commenity Bank conducted deceitful services by applying for my monthly payments incrementally to both balances instead of the balance that would end proportionally first. The website does not outwardly state the breakdowns of the payments. I have paid off my card in full but due to the deceitful breakdowns, I was unlawfully charged all interest fees. Attempted to resolve this with 3 representatives and was escalated to the highest level ( XXXX ) ID number XXXX ) who refused to work with me on this issue.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I made a mobile deposit of my employer check. Of {$1900.00} The next day the bank said that my check was fraudulent and froze my account access and said my account was going to be closed. 2 weeks later my employer lets me know that they can not reissue me a payment to due to the fact that Citi bank has my funds. I've called more than 10 times trying to speak with a manager they let me know that there is none. And I will get a call back out of those 4 times I've requested a call back I have gotten none. Today I called with my HR Payroll manager on the line they will not speak with me while they are present. But they are saying they will not release my funds till my employer calls the bank and verifies that the check is legit. I gave her a couple of numbers to contact my employer they still say they can not call those numbers. At this point they have funds of my check. But will not give the access to receive my funds til they speak to my employer. Every time they try to contact Citi with this issue they wont give Citi any of my information. Now I'm left almost a month with no pay because they are holding my funds. 
There has been no proof sent either from the bank of the current situation.
Consumer complaint received 2022-07-25
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. (AZ)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
Inaccurate Name : XXXX XXXX XXXX A XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXXXXXX XXXX Date Updated XXXX XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX & XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Consumer complaint received 2020-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (UT)

I was wrongly consulted about my student loan consolidation, resulting in over half of my loans not qualifying for XXXX after 8 years of regular payments. I was told my only option was to consolidate all of them again starting that back to zero. 

Addtionaly, while doing my XXXX  program I waived my in-school deferral and continued making regular payments, as I am employed fulltime by a state institution of higher education. I was told none of those payments counted, and then told they needed to review the payments. After almost a year, I receieved notification that those payments did not count. When I called, the person I talked to said that was obviously wrong and resubmitted them for review. 

I requested a copy of my account records to confirm when I recieved erronious information and was told that I could not have access to my account records without a court order.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

These people are putting me through XXXX to access my account. I have given up on attempting to use thier website online, to manage my account, i wait to review all transactions on my paper statement when it arrives, and submit any disputes by mail, because i can not access their websites i enter my valid credentials and they impose XXXX, a third layer of security which asks to send me a text with a code which i have to enter to access my account. The phone number that I have on file ending XXXX, is no longer my number. The capital One Bank credit card will not update my new number and, as such, is wrongfully withholding access and discriminating against me and I take these tactics as undue hardship and burden unfairly disadvantaging me financially and emotionally I can not access my account and I believe that these unscrupulous financial institutions are intentionally and maliciously without my permission implementing this deffective technology to our detriment without any consideration towards the consequences of damages. The refusal to accept my new number, discrimination is wanton wilful and unlawful. You can call upon the phone number service provider to testify as to the fact that my name and identity is registered to my phone number because capital One Bank, upon implementing their defective multi-factor authorization without my permission, claims that my number is not valid or acceptable or compatible with their defective technology resulting and clean that they are have the right to deprive me of access they refuse to bypass their defective technology and this has been one of the most disrespectful and uncalled for offenses have ever had to deal with. 

I am a human being alive with blood that will identify my identity. 

I lost my card at the atm machine at the physical capital One location and they refuse to return it to me, I had to report it in person and request a replacement be sent right away however even in person they told me they needed to send me a text with a code for extra verification for security to validate my identity to complete the request. The same error of the effective technology kept on refusing my phone number
Consumer complaint received 2020-09-03
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: SYNCHRONY FINANCIAL (TX)

An account was opened by SYNCB/XXXX  in XX/XX/2017. I did not open this account, but it is reporting on my credit report. This account is charged off and reports a balance of {$6000.00}. Although, it is not my account I believe my wife opened this account. 

I have contacted SYNCB/XXXX  as well as XXXX, XXXX  and XXXX   explaining this. None of them have resolved this issue or provided any info that ties myself to this account.
Consumer complaint received 2021-11-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (OH)

I called on XX/XX/XXXX to ask if I could make arrangements to lower the payment amount and extend the payments out and was laughed at. The customer service representative was foreign and would not repeat his name, but said " What do you expect when you take our loan ''. He said they will continue to take payments out and it id my fault for having bad credit. This loan has a 400 plus percent interest rate. I realize I am at fault for ever having the XXXX to take it out, but to be talked to like that .... I wish these businesses were not allowed to even operate. To charge such outrageous interest and then speak to customers like that- they have full access to your account and will make zero effort to help if you are facing a hardship.
Consumer complaint received 2020-09-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

I applied for and application to refinance my current mortgage with this company close to 4 months ago. This company was slow to process my loan. Today after speaking to three employees I learned that my loan would not be processed until my reported child support arrears {$1600.00} ( estimate, and not appearing on my credit report ) was paid in full. This policy was not reported to me prior or during the processing of my loan request. 

I requested to see this company 's policy and I was refused by three employees.

This policy should be accessible and shared to the consumer. I believe that this policy may be unfairly targeting certain ethnic classes of people. The fact that my company is not being transparent related their policy should bare strict scrutiny, and it is assumed their practices may be in place to knowingly or unknowingly exclude classes of people.
Consumer complaint received 2020-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (NV)

Purchased my car from CARVANA XX/XX/XXXX. 
Temp tag expired XX/XX/XXXX. 
Im an XXXX driver, and rely on my car for my income. Im not able to drive it legally, Im paying for a car payment and insurance. I ALSO have to pay {$280.00} a WEEK, and they thought it was suitable to send me a {$250.00} check to cover me for another MONTH! They said I wont have my plates or registration MAYBE on XX/XX/XXXX, but wont continue paying for the rental I have to use to do my job and make an INCOME. The woman on the phone literally said - if it was me, I wouldnt send you the check. Oh, so youre telling me i have to work an extra 12 HOURS of DRIVING a week just to pay for the rental before i start making my income? Thats cool. Absolutely ridiculous. One woman says it hasnt been sent, the other says it has. They constantly lie and beat around the bush and dont care about their customers AT ALL. One guy has been waiting 160 DAYS for his registration. How is this even okay??? So I am physically drained beyond belief while these girls are sitting at home saying they think I dont deserve to be paid for the rental I shouldnt have to pay for if they did their job right in the first place? Quit blaming Covid, the DMV in Nevada is NOT backed up.
Consumer complaint received 2020-05-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SOUTHERN CASCADES FINANCE CORPORATION (TX)

I purchased a vehicle fro. XXXX XXXX XXXX in XXXX Texas on XX/XX/2020. I paid the XXXX $ down payment and signed a finance contract. 

XXXX came to make my payment and the finance company, Southern Cascades Fiance,  has decided to deny the contract and make me resubmit everything once again. 

I resigned another contract 2 weeks ago and now again, Southern Cascades Fiance, is  demanding more paystubs and documents related to my loan and threatening to come take my car.
Consumer complaint received 2023-02-06
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: HYUNDAI CAPITAL AMERICA (KY)

I financed a XXXX XXXX through Hyundai Motor finance on XX/XX/XXXX and made final payment on XX/XX/XXXX. As of date I have notified by personally calling said finance company to get the lien released. As of todays date XX/XX/XXXX I have been unable to get the necessary papers from them to release the lien and therefore receive a clear title for my car. After numerous phone calls and still unsuccessful, Im asking for your help to get this company to release the lien on my car.