davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (ID)

NOTE : Complaint Number XXXX my contact number should be XXXX NEW ISSUE : NOTE : There is no way to try to resolve with Experian as there is no way to contact them via email, phone, etc. 

On XX/XX/2019 I contacted Attorney General Consumer Protection regarding Experian not allowing credit report to be done once I thawed my credit. They suggested unthawing all CRA. Also, I extended my temporary freeze from XX/XX/2019 to XX/XX/2019. 

On XX/XX/2019 I went to my credit union and they were still unable to run a credit report. I called the number for Experian, my credit union verified that my credit was thawed ; however, no credit report could be obtained. My credit union suggested I place a permanent thaw on my report. 

I then proceeded to do this. However, now the automated system says I must mail to them : Full Name, Address, last 2 years of addresses, Copy of DL, PIN for Experian, 2 utility bills or bank statements, THE LIST GOES ON so Fast, I can't write it all down ; BUT once it is mailed and received it will take 3 DAYS to process. 

I can't even temporarily unthaw my credit report now! This has taken over an hour to try to get my credit report to be released for the credit union. 

The credit union says they have never experienced this before.
Consumer complaint received 2024-02-27
Product: Credit reporting 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 XXXX XXXX XXXX in regards to the late payments that were inaccurately reported to my credit report from XX/XX/XXXX to XX/XX/XXXX. I made every payment on time, However XXXX XXXX XXXX did NOT post my payments to my account when they were made. I have attached a list of my payments from their website to show that the payments were made. 

XXXX XXXXXXXX XXXX inaccurately posted late payments to my report. They are inaccurate as you can see I made the payment. XXXX XXXXXXXX XXXX  has also violated my consumer rights according to USC 15 1681a ( 2 ) ( 1 ). As the consumer, the person ( XXXX XXXXXXXX XXXX ) have inaccurately reported transactions ( late payments ). This have made my experience of purchasing a home a horrible one.
Consumer complaint received 2022-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Monterey Financial Services LLC (MO)

I received a 0 % interested loan through XXXX. However, my loan is serviced by a company called Monterey Financial. 

When paying the loan off early, XXXX customer portal double-charged my payment. Ive been trying to get the overpayment back for a week, but since Monterey is the servicing the account, I have to go through them and theyre dragging their feet saying it could take almost two weeks to get a refund, which makes no sense when they were instantly able to take my money. Theyve been very misleading. This has caused overages with my bank because money needed for other automatically withdrawn bills could not go through.
Consumer complaint received 2017-03-12
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX/2016, I wrote my mother a check for XXXX dollars toward home ownership inspection. On XXXX/2016, I was the victim off bank fraud via the same check. On XXXX/2016 Bank of America 's fraud investigation team submitted a claim against my mother 's bank account at XXXX, in error, believing her to be the criminal party involved. If they had properly investigated the situation, they would have verified that she did not receive the stolen funds or had a XXXX deposit for that day. On XXXX/2016, I saw that the claim had been pursued against her, not the guilty party. Of course, I had to return her money since she did not steal it from me. I believe Bank of America may have pursued the claim against my mother to cover themselves by claiming to credit me, without paying for the damage themselves. The guilty party, XXXX XXXX, was shown to have deposited my check into a Bank of America account and is currently being pursued by law enforcement. Bank of America has since refused to return my funds.
Consumer complaint received 2019-01-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (CO)

This is about ALLY FINANCIAL. I paid this auto loan off in full. I received my title and payoff letter. On my credit report the loan was closed out but then days later I noticed a duplicate account made with a balance reported. I called a number of times for a number of days. No one would give me a straight answer and there were times when operators were disconnecting calls. It wasnt until XX/XX/19 when I got a letter stating the balance owed was for a repo charge. I never even had a late payment and like I stated earlier the balance is paid in full. When I would talk to someone, instead of correcting the obvious error, they would just bounce me to another department. I am beyond frustrated at this point and feel that no consumer should have to go through this.
Consumer complaint received 2019-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I made a purchase from XXXX XXXX for a XXXX XXXX bundle on XX/XX/XXXX. I spoke with an agent online to verify that XXXX XXXX would price match the item, and the agent confirmed that they would price match the sale as long as the order was placed 24 hours after XXXX XXXX was over. The sale price to be matched was from XXXX for XXXX for two controllers, the console and one game ( XXXX XXXX XXXX XXXX ). I placed the order and picked the item up on the XXXX. I did not receive a receipt for the item because the purchase was made online, according to the XXXX XXXX employee. I did not receive a receipt from XXXX XXXX online either, and they have been unable to provide me with a receipt. I checked my checking account information a few days later and noticed that I was charged {$470.00} on XX/XX/XXXX. I contacted Chase and informed them of the issue and they issued me a temporary credit. The issue was resolved until XX/XX/XXXX, when XXXX XXXX sent a receipt to Chase, and Chase recharged my card. I spoke with XXXX XXXX and requested an explanation and they informed me that they would not honor the price match because they have a new policy that they don't price match bundles ( which was not mentioned when I spoke to XXXX XXXX in XXXX ).  XXXX XXXX would also not match any part of the price because the item return/exchange date is XX/XX/XXXX, so they are unable to assist in any way. I have screenshots of the sale price and a transcript of the conversation with the agent that said they would indeed price match the item if I ordered it online. I can also provide the chat transcript, but I have that via email, not a picture.
Consumer complaint received 2019-01-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (FL)

I have disputed with Ally Financial numerous times that they show I owe them for 2 loans on my credit report. However, its actually the same loan being reported twice. I have submitted 3 disputes through the bureaus directly stating that they have a duplicate trade line but they respond that it is accurate. I do not owe them for 2 loans. It is severly impacting my credit because it shows that I have a higher debt ratio than I truly do.
Consumer complaint received 2022-07-27
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. (FL)

My name is XXXX XXXX, I just checked my report, and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2019-09-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (WA)

I have submitted a Qualified Written Request to Specialized Loan Servicing as I am very concerned with my closing documents, and who has the wet-inked, original Deed and Note of my loan, as well as Assignments and Substitution of Trustees. I am also very concerned about the fees and many other concerns and therefore, I am sending this request to be clarified in detail. 

This company, Specialized Loan Servicing, has not provided any information to me verifying any of my questions presented and yet has a XX/XX/2019 sale date to steal my property before they can prove to me they can legally move forward or who the owner of my loan is! 

I am reporting SLS for not providing me with my requested documents and answers to my questions, for not being able to prove that they have a right to even service this loan, let alone provide me with the owner of the loan. I am asking for your protection as you enforce the rules and laws that SLS is supposed to be complying with, report and fine SLS for non-compliance with my Qualified Written Request and not allowing me time to receive nor review their response once I eventually receive it and force SLS to comply with the written law.
Consumer complaint received 2019-01-14
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: VALLEY NATIONAL BANCORP (NY)

My vehicle and my personal property were wrongly repossessed as a result of not formally being notified of my right to redeem post-repossession. Herewith are the documents which will substantiate my claim.

* NYS VAT 425. POST REPOSSESSION PROCEDURES * VNB EXPLANATION OF CALCULATION OF DEFICIENCY LETTER DATED XX/XX/XXXX STATING I WAS PREVIOUSLY NOTIFIED ABOUT THE SALE ON XX/XX/XXXX * VNB PAID LOAN LETTER * WHAT CONSTITUTES A WRONGFUL REPOSSESSION ON-LINE DOCUMENT * RETAIL INSTALLMENT CONTRACT REMEDIES ON DEFAULT. IF THE VEHICLE IS REPOSSESSED I MAY HAVE A RIGHT TO REDEEM IT IN ACCORDANCE WITH APPLICABLE LAW.

* XXXX  REPORT DATED XX/XX/XXXX LISTING THE REPOSSESSION.
Consumer complaint received 2019-01-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending (TX)

I recently closed on a new house. The builder recommended 'Supreme lending ' as the lender of choice. During the process, I was only provided options to get the mortgage that involved buying points, e.g. 4.75 % 7 yr. ARM with {$1100.00} towards discount points. I was told that there are no mortgage options without points. While signing the closing documents I saw a document ( Discount point fee disclosure ) that listed the mortgage rate at 4.85 % without points. I was never given this option even when I had asked the loan officer. I would like you to please review my mortgage application with Supreme Lending to check of disclosures were sent at proper times and why they neglected to provide me with an option without discount points.

Also, the interest rate offered was pretty high. I was able to negotiate much better rates from other lenders. But going with other lenders meant that I would have to bring XXXX more at closing ( within a month ) as I would not be getting builder credit. I believe this is used as leverage as arranging XXXX extra is not something that every individual is able to do. I am not sure if offering higher interest is breaking the law or is just unethical practice in this case?
Consumer complaint received 2019-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

Common Wealth Financial System Inc XXXX XXXX XXXX XXXX XXXX, PA XXXX Derogatory credit on my credit report. I sent letter XX/XX/2019 asking for documentation of debt. I was not provided any information or original documentation including bills etc. I am unsure of what this creditor is referring to and need proof of legitimacy. 
If company can not provide documentation I would request it be removed from my credit immediately.
Consumer complaint received 2019-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (MT)

This is the complaint against Amex Business credit card ending in XXXX. All payments have been made and the card has been closed 2-months ago. And here I still receive payment notifications. Why? I have been asked to pay the unauthorized charges along with the late fee/interest charges that were added to the unauthorized transactions. I wonder what is it for when all the payments have been made. Please help me with : Amex XXXX named under XXXX XXXX. Please help me in terms of removing these unauthorized charges and closing both the Amex card permanently. Thank you
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/2019 I made a {$25.00} donation to a political campaign. I have a receipt for this ( attached ). Subsequently, this charge was negated out and three charges of {$1600.00} were put in. Two of these were then netted out. As a result, instead of a {$25.00} donation, I was down for a {$1600.00} donation. I did not do this. 

I called Chase bank, who handles this and spoke to them. They told me they would handle the problem and the charge was removed. 

Two months later, the charge reappeared. Chase had put it back because they could not figure out how to resolve it, even though it was clearly fake or a mistake. I called Chase again, I was passed between numerous people because Chase couldn't understand the problem. Finally, I was now told, two months later, that I needed to fax a letter to them describing the problem. I was then told I had to wait at least three days for the fax to get to the right person. Hard to believe, in the electronic age! 

After several days, I called again to find out what was going on. I was essentially told that it was too late for them to do anything, even though the charge was obviously fake and I had alerted them to this shortly after it had happened. 

At no point did anyone offer up that this was clearly a problem and that Chase would take care of me. Instead, one person blamed me for giving my credit card number out ( hard to believe but true ) and, in general, I was treated with contempt by a bunch of people who obviously don't care about customers. There attitude was pretty much, " tough luck. '' This is outrageous. This problem ( being overcharged by a merchant to whom one has given a credit card number ) can not be rare yet Chase had absolutely no clue how to deal with it and absolutely no desire to satisfy me, as a customer. Instead I got behavior from them that ranged from incompetent to obnoxious and rude. 

Chase should not be able to treat its customers this way. Someone was trying to rob me of {$1600.00} and they didn't care.
Consumer complaint received 2019-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have absolutely NEVER been late with Navient ; however, I had just in the past few weeks noticed my loans appearing late for the year 2012 on my credit reports! I called and STILL call Navient all the time, well before time for any deadlines and was NEVER NOTIFIED of any late status ( even though it would've been inaccurate ANYWAY ). I would ALWAYS call Navient well before deadlines to submit paperwork for deferments and forebearances after I graduated. I even called Sallie Mae all the time BEFORE they became Navient -- and even heard about them becoming Navient before many others did BECAUSE of it. THAT'S JUST HOW MUCH I CALL. Yet, when I called them in recent weeks, the robotic reps ( look up the calls ) kept repeating to me that I was late in 2012 and claiming that they were constantly calling me to no avail in 2012. LIES! Furthermore, please tell me why at any point when I was getting deferments and forebearances was I never granted a POSITIVE RETROGRADE? That's USUALLY what normal companies do when people are calling them repeatedly in the event that there's actually negative info reporting! I was NEVER told of negative info, was ALWAYS told " everything is fine '', " you're good '' EACH TIME I CALLED. None of the reps listened to me when I called recently. I have made it my business to stay on TOP of my business with them, yet they STILL did me wrong and has this FALSE, INVALID info reporting in my credit files, affecting my ability to move forward financially. According to consumer law, Navient is supposed to provide verifiable proof to me that I was late by providing bank statements showing late payments. XXXX even went as far to delete many of the negative accounts because Navient didn't even verify them! All of the accounts still reporting invalid, incorrect negative info for 2012 need to be UPDATED TO POSITIVE with the credit bureaus. Please expedite this dispute!
Consumer complaint received 2019-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I know that my identity was stolen and after discovering it, I put a block/freeze on my credit report to prevent unauthorized access to it. And while I discovered that an account was opened with my identity, I tried resolving the issue with the merchant but to no avail.
Consumer complaint received 2019-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Issue with XXXX XXXX XXXX. Initially had them to cover my car, but they gave me misleading information and did not attempt to help me with any issue, specifically with the auto payment function. They told me that the auto payment would be added to my account, after giving them the proper banking information. This did not occur, and made my account go to collections. They also misquoted me the monthly amount for each payment and refused to acknowledge their mistake. The amount owed went to collections, and when I attempted to contact the collector, I had no response for over 2 months.
Consumer complaint received 2022-07-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (FL)

Received an email from a sales person at Lennar offering 4.99 % rates at no cost. They are not MLOs and there is no NMLS. and that rate is clearly not available to everyone... ..or anyone for that matter. Here is teh body of teh email in case the attachment does not work. 

From : XXXX XXXX XXXX Date : Tue, XX/XX/2022 at XXXXXXXX XXXX  Subject : XXXX XXXX DEALS/BONUSES/INCENTIVES ! CALL XXXX @ XXXX To : XXXX XXXX XXXX XXXX 's Super Deals and weekly specials are attached!!! 
We just released new inventory priced to sell fast! 
We are also offering special financing at 4.99 % * ( lower rates and programs available ) rate fixed for 30 years at NO COST to your client when using Lennar Mortgage!! Contact me for more details before funds run out for this financing program! 

We're also offering 3 % Commission & Realtor Bonuses in selected homes!! 

Hurry before these special price homes sell and don't let your client miss out on our amazing Special Financing! All this in addition to closing costs contributions noted on the price list! 

Call or Text XXXX I can help you in ANY Lennar community on the list! 
XXXX XXXX *special financing rates subject to credit approval with Lennar Mortgage . For more details, please contact loan officer with Lennar Mortgage. Inventory, prices, special financing and incentives subject to change at any time without prior notice. 

XXXX " XXXX '' XXXX XXXX XXXX Consultant XXXX Mobile XXXX XXXX, FL This e-mail is not a solicitation, offer, acceptance of an offer, a negotiation or amendment of terms for the sale of a home. Any such activities must be properly presented and executed in compliance with company policy. If you would like to stop receiving marketing email messages from us at any time, please click here or simply reply to any message and type " Unsubscribe '' in the subject line. Lennar strictly adheres to the CAN-SPAM act and will immediately remove your email address from our records upon request. This e-mail may contain information which may be confidential or privileged. If you are not the intended recipient, please immediately notify the sender at the e-mail address referenced above and delete this email without copying, distributing, or disclosing it. Offers, incentives and seller contributions are subject to certain terms, conditions and restrictions, which may include the use of designated lenders or closing agents and are subject to change or substitution by Lennar without notice. Equal Housing Opportunity.
Consumer complaint received 2022-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (MO)

World Finance Corporation has engage in unfair behavior and willfully noncompliance with the law, knowingly using deceptive tactics on undermine my credibility and give lenders the wrong impression. On XX/XX/2022 I sent a letter to World Finance Corporation and they did not provide me proof, bearing my signature instead they sent a letter from a different address, World Finance Corporation, asking me for information that they did not have or know. Also I sent the second letter to World Finance Corporation they sign and received it on XX/XX/2022 and ask for the second to third time that I request World Finance Corporation and XXXX on XX/XX/2022 and XX/XX/2022 to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have added copies to show how World Finance Corporation falsify information or do not have accurate information because this account was open as identity theft and reporting a serious error on my credit report under my social security number or took information from my disputes and refurbished as new. Also in my high lighted copies of proof you see were World Finance Corporation has try to say they have requested information but never respond to my request.