davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

The reason for my complaint is because I have had an issue with Identity theft. I have filed a police report and sent it to chex-systems and they have corrected the fraudulent information. But I have had a more recent situation in which I have faxed Chex-systems the amended police report and they have not responded to my request. There is a charged off amount reported for account abuse for {$37.00} that is a result of identity theft and there are several inquires showing on my report that are fraudulent as well. The only inquiries that should be showing on my report are with XXXX XXXX and and XXXX XXXX XXXX. I sent chex systems this information in XXXX and they have not responded to my dispute.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (NJ)

I received a car loan from Carmax XXXX XXXX and they have inaccurately reported many late payments on my account, as well as reporting other dates and payments wrong. My XXXX report has a different closing month of the account along with an extra month of payment reported. My XXXX report has a different late of last payment then the other reports. Even though the date of the last payment was reported on XX/XX/2017, they still reported account 30 days late for that month. XXXX reports a different date for last payment, but there isn't even a payment made for that month, the last month shows XXXX of XX/XX/XXXX. Most importantly I have obtained a full payment history from the Carmax website and it Cleary shows how I made payments every month they are reporting me late. Even the date of my last payment from their website is different than the report on my payment history. 

The problem is most of what this company is reporting is false, and even the information they keep on my account is different in different places. After speaking with them and trying to understand the payment history and how it could be reported late they couldn't provide me with any information and just said " This is what we have on our file ''. My records, which I obtained from their own website, is different then the information they have. Doesn't even seem possible. And They are reporting false and different information to each credit bureau.
Consumer complaint received 2020-06-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Siwell Inc (TX)

On XX/XX/2020, I contacted the payoff department to request a payoff statement. Within that email I stated that the reason for the request for was for sale of property. 

I then received a email from XXXX XXXX ( payoff dept ) on XX/XX/XXXX, stating the reason again for the payoff. I responded with that I needed a payoff for 30 days because at that point I didn't know the closing date. 

On XX/XX/XXXX, payoff was received and everything looked corrected. 

On XX/XX/XXXX, I sent another email to the payoff department requesting a updated payoff, since at this point I actual had a closing date. Within that email I stated the closing date and closing time. 

On XX/XX/XXXX I received the updated payoff. I reviewed the payoff, and notice a {$750.00} attorney fee. Which was never on the first payoff that was provided. I reply back to the payoff department and instructed them to remove the fee since I had no knowledge of the fee. 
At this point, another individual responded back and stated it was for the foreclosure process and that the lender had no knowledge of what was going on. 

I then responded with I wasn't 60 days past due to proceed with a foreclosure process and that I had never been given attorney documents for such a fee. 
I also let them know that I did make them aware of what was going on with the property. 
I asked them again to remove fee and that is when they stated the fee would stay on the payoff statement. 

I was a former employer, so I feel that they added the fee as vengeance.
Consumer complaint received 2020-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Feldman & Stern, LLC (FL)

I am being told that I owe a debt of slightly over {$200.00} for services not rendered by XXXX XXXX. When I call the owner of the local company ( XXXX ) he was unable to give me any records of me owing debt and did not have the paperwork of me closing the account, as he did not get them from the previous owner. I signed up for a 1 year membership and on the 11th month I notified them I would not be renewing. This was with an old owner that apparently did not keep records. I noticed that I was still being charged in XXXX of 2020, contacted them that this was incorrect and they ( XXXX XXXX ) told me to issue a chargeback through my bank, which I did. There is a new owner of XXXX XXXX and I called him to see why I was in collections, he said it was out of his hands and there was nothing he could do about it? But he also had no paperwork for me at all? So I called the collections company - Feldman and Stern and told them I would not be discussing any debt until I received a Validation Notice which they said they did not need to do and I was hung up on.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX and XXXX XXXX my bill of XXXX dollars did not go through when it was on auto pay. I reached out the company and they acknowledge that they saw the payment try to come out of the bank but was rejected. They did not notify me about this rejection and just gave me a late payment. Now Im trying to get a Mortgage and because of this mark on my CREDIT REPORT its making it hard for me to provide a home for my family, it unfair that the company is not trying to work with me.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express first issued a credit for the dispute and then clawing it back the credit for IN BREACH of own policies. American Express must accept full responsibility for its dodging tactics and not timely passing of information to Merchant.

Point 1. American Express did not provide any information for that and the following behaviour : I have submitted a valid dispute on XXXX XXXX XXXX ( XXXX ) which was closed in under 24 hours without giving a chance to upload. I have called and opened a subsequent dispute XX/XX/XXXX XX/XX/XXXX. I have uploaded all supporting documentation XX/XX/2020 ( XXXX ) and re-uploaded XX/XX/XXXX ( XXXX ) and XXXX XXXX, XXXX ( XXXX ). AMEX REPRESENTATIVES ON THE PHONE CONFIRMED TO ME THAT THEY SEE DOCUMENTS UPLOADED ( I CALLED TO FOLLOW UP AFTER 24HOURS ), HOWEVER AMEX DISPUTES TEAM KEPT SENDING MESSAGES THAT THEY HAVE NOT RECEIVED ANY DOCUMENTS. The outcome of billing investigation was simply a dodging response that American Express not received documents. 

Point 2. I have been lied and misinformed by American Express representatives that the dispute is aged and therefore, closed. I had to investigate into American Express Chargeback polices myself. For Goods And Services Not Received ( Reason Code 4554 ). the date the Card Member expected to receive goods and/or services, or the date the Card Member became aware that the expected goods and/or services would not be provided ( not exceeding five hundred and forty ( 540 ) days from the date XXXX XXXX XXXX  processed the Transaction ). The policy is very clear that I have 120 days FROM THE DATE EXPECTED TO RECEIVE SERVICES, not just from the date of the Transaction. 

Point 3. The Merchant ( XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX XXXX is XXXX XXXX XXXX and under EC Regulation 261 it is illegal to withhold a full cash refund. The XXXX XXXX XXXX guidelines for COVID-19 situation were repeated in Communication Ref C ( 2020 ) 1830. It continues to be illegal to withhold any money as refund penalties for this forced cancellation. It was illegal to force customers to apply for vouchers only on the airline own website. I do not accept a meagre {$640.00} credit from the Merchant. The airline was unable to service the reservation altogether and was not possible to reach in XXXX XXXX  ( call centre closed, airport counters refusing to help ). The airline did not respond to several of my complaint tickets raised on their own website ( XXXX ).
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

I have been reaching out and requesting my {$500.00} deposit back since XXXX of this year. I first made this {$500.00} deposit on XX/XX/XXXX and never received my card, after calling repeatedly, and confirming my address every time and having the representative read it back. I waited the 3 business cycles after giving up and requesting my account to be closed due to completely loosing my trust company. It is now XX/XX/XXXX and still no deposit back. I called today and spoke with a XXXX who informed me that the check was mailed on XX/XX/XXXX, a month ago and still nothing has received. XXXX informed me he would file a complaint on my behalf and told me to reach out in 5-7 BD to check on the status. I just do not understand why this is not being sent with a tracking number that can be provided to me so I may track it myself.
Consumer complaint received 2024-03-14
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: EQUIFAX, INC. (GA)

If Equifax can not provide documentation of the wet ink signature for the original contract for the accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, Dept of EDXXXX please delete the accounts.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have reached out to Equifax via letter twice to remove inaccuate information from my consumer report in which after the first letter they responded with an update in which i will upload. The information in question pertains to the posting of XXXX XXXX XXXX on my consumer report, Equifax or XXXX XXXX XXXX has yet to provide proof ( contract with my signature ( wet ink ), I never entered into a contract with this company via verbal nor any other, so im asking Equifax to either provide evidence ( contract with my signature, wet ink or verbal recording with me entering into an agreement with this company ) or remove inaccurate information from my consumer report. If Equifax does not take appropriate action to address the inaccuracies, I will consider seeking legal action.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/2020, I opened an online checking and savings account with SunTrust Bank. Over the next 2 weeks, I funded the account with XXXX checking/XXXX  saving. On Thursday, XX/XX/XXXX, as I went online to make sure a funds transfer arrived, I found out I was locked out of my online account. I called SunTrust and they said something about my account was " pending closing '' for unknown reason. I then went out and took an XXXX to a SunTrust Bank, which was closed, so I was forced to stand at the drive through for service. I attempted to withdraw my money from my account and was told I could not. SunTrust had my money and wasn't giving me a XXXX until they got ready. 

I then called SunTrust over the next few days, trying to find out what was going on. When I figured out that they had decided to close my account and block access to my money without notice, I became outraged. They acted like the money was theirs. They had not told me that this could happen when I opened the account online. I would have never put {$1000.00} in these accounts had I known the account could be closed and money inaccessible for weeks. Furthermore, they showed little concern about whether I needed that money to pay bills or buy medicine. They just locked me out of my account and said " wait for us to send you your money back. '' On Tuesday, XX/XX/XXXX I finally received a notice by email that my account was being closed. They could have done that last week. As a joke, they invited me to access my account online for " special notices. '' Of course since they had locked me out of my online account, I couldn't do that either. I made 2 more phone calls to SunTrust where I kept asking them why did they block access to my money without notice. They had no explanation, except to say " too bad, so sorry and the check is on the way. '' Right. Humiliating, frustrating, inexcusable? Yes. I still don't know why they closed the account, but will never deal with them again. But the worst thing was blocking access to my money for more than a week. It may be a small matter to them, but to regular folk who need their money it creates a crisis. 

Please investigate SunTrust 's practices of providing written notices to folks who open online accounts of what happens when the account is declined, and their practices of blocking access to money in an account for weeks that they have decided to close.
Consumer complaint received 2020-08-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

XXXX woke the debt to a company. There phone number is XXXX XXXX XXXX XXXX. They left messages on my phone and two of my family members phone saying that they have certified documents for me. I have the recorded message. The debt is {$200.00} and I am working with the original creditor. This company is impersonating as a legal entity and in violation of the law. I called and they refused to remove my number from their system even after I stated that I was working with the original creditor. I have no idea the name of the company and only know that their number is XXXX XXXX XXXX XXXX. I have a copy of the voicemail if needed.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (TX)

I received a refund advance loan from XXXX XXXX that was sent to my Credit Karma spend account ( XXXX XXXX  ). My account was closed the same day that the funds were transferred to my account. 

I had previously requested them to change my name from XXXX to XXXX because that is my legal name. They emailed me and requested documentation to show the name change. I provided the information using the link to their website. They claim that it was never uploaded so they closed my account. 

I requested them to change my mailing address on XX/XX/XXXX. They asked for the information and told me they would have their " special team '' make the changes. I waited a week and called back. I was told at that point that I would need to provide documentation showing my new address. I uploaded the documentation and called to verify that they had received it. They told me that the special team is still working on changing it and to wait for an email. They sent an email 3 weeks later and said that the utility bill i sent was blurry and I needed to resend it. I uploaded a new utility bill on XX/XX/XXXX and I can't wait another month for this issue to be resolved. 

They told me that my tax return money would be rejected because they closed the account and that I would be receiving a pair check from the IRS. I called them this morning and they are telling me that they are not going to reject the deposit and that I have to wait for them to make the proper changes before they can send the check. They now have almost {$11000.00} of my money and I have no faith in them. I am starting to think that they will never send it to me. 

The address that the check needs to be sent to is : XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX I have attached a utility bill showing my current mailing address. 

The case number that they gave me is XXXX
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (IL)

According to The Fair Credit Reporting Act ( FCRA for short ) which is a crucial piece of legislation when it comes to my credit rights, because it protects my rights to both credit report accuracy and privacy. In other words, it helps ensure that the information contained in my publicly available credit profile represents your creditworthiness accurately. I reviewed my credit report/ score at XXXX on XX/XX/year> and saw that my Equifax credit score had decreased by XXXX points, this was not over a period of time, this happened in 1 day. when I called I was advised of the elements or conditions the could cause my credit score to decrease which I understand, however I am promised accurate and timely credit reporting. Due to loss of income, I have used by credit cards more and now my balances are high and my utilization score is high, however this has happened over a period of months, not within the current month so If Equifax is monitoring my credit and accounts, then there should have been decreases over a period of time not just XXXX decrease that was almost XXXX points, the substantial decrease in my credit score negatively influences my creditworthiness. When I spoke to Equifax today, XX/XX/year> ; I was given a XXXX XXXX  of what could cause my credit score to drop however explanation regarding why the credit reporting was more timely, especially if my credit is being monitored regularly.
Consumer complaint received 2022-10-31
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. (VA)

XXXX  XXXX bank XX/XX/XXXX late payments & I called XXXX XXXX, they closed the account. I want the closed account deleted and the inquiry. Same thing with the fXXXX XXXX  ( opend XX/XX/XXXX ).
Consumer complaint received 2020-08-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I obtained a Home Equity Line of Credit ( HELOC ) with Quicken Loans in XXXX of 2013. The equity line was originated as a 2nd loan behind our 1st mortgage. At that time, our loan balance on our 1st mortgage was {$500000.00} with an interest rate of 3.625 %. 

We are now in the process of refinancing our 1st mortgage at a lower dollar amount {$420000.00} ( NO cash out ) with a 2.75 % interest rate and the loan has been approved and the lender is ready to issue loan documents. Unfortunately, Quicken loans is not cooperating and practicing unethical and very likely unlawful business practices. 

I am attaching the email received directly from Quicken. In order to refinance the 1st mortgage, Quicken has to agree to STAY in 2nd position as they have been for the last 7 years since the origination of the HELOC. Quicken is stating that they will not " subordinate '' any longer unless you use a Quicken or XXXX XXXX 1st mortgage. My understanding is that XXXX and Quicken have an affiliated business relationship as our mortgage originator for the HELOC in 2013 was a XXXX XXXX employee. 

That said, this seems like an obvious RESPA violation. Quicken is  steering the consumer to using ONLY their loan products by holding the subordination requests hostage. I would understand if the HELOC on our residence was in 1st position, but this is NOT the case. They have always been junior to the 1st mortgage. I believe these unethical business practices will cause great harm to the consumer. I am trying to lower my monthly obligations by reducing my interest rate without incurring any more debt on the house. It's simply a rate and term refi which also lessens the risk to XXXX by allowing me, as the consumer, to lower my interest rate on my 1st mortgage and lower my payments, substantially, without incurring any additional debt! 

My wife and I have excellent credit and more income now then we made upon the origination of the HELOC. There is no logical reason for Quicken to hold the subordination request hostage. 

Given Quicken loans is one of the largest residential home lenders in the country, these business practices of steering the consumer could have catastrophic financial implications for consumers across the country and if Quicken is allowed to continue operating this way, gives them an unfair and unethical business advantage over their competition. Either scenario is bad for consumers and just bad business.
Consumer complaint received 2020-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (CA)

I bought a XXXX XXXX XXXX  back on XX/XX/XXXX my lender is westlake financial services located XXXX. XXXX  XXXX XXXX XXXX ca XXXX imy monthly payments are {$500.00} my first payment was on XX/XX/XXXX since then I havent made any payment late I being charge 6 late fees {$25.00} all this late fees where accumulated on XX/XX/XXXX I call them on XX/XX/XXXX on XX/XX/XXXX and all I was told its they will escalate this but with out getting it clear or explain what have happened I contacted on XXXX my bank to request a copy of all payments made to westlake financial and there is not a single month that they havent collect the payments I had in made and indeed all payments have been process with out any delay