davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-11
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I took out a title loan in XXXX 2014 for {$5700.00}. I asked that night of signing the contract how the payoff process works and was told to just " pay off as much as you can ''. I was unsure of the principal balance and payoff balance but they insisted that it was the same. There was no explanation. I 've asked for a settlement after paying over {$7000.00} to them already and I 've lost my job and can not work right now due to medical reasons. I 'm considering bankruptcy if loanmart does not offer a settlement offer I can afford. I got the vehicle appraised for {$2000.00} and showed them the paperwork and pictures but they still refused and want {$4000.00}. I 've filed a complaint through the XXXX as well and their response was that they would be willing to negotiate the settlement offer of {$4000.00} or lower my interest. I can not afford to continue to make monthly payments so I refused the lower interest option. They stated in their response that they would negotiate the {$4000.00} but whenever I call the number they list, I 'm refused a negotiation and say they will not go lower than {$4000.00}. Why does loanmart state in their public response that they will negotiate the offer but in reality when I call they become rude and unwilling to negotiate. I spoke with multiple supervisors and the manager will not return your call for months unless you call them and demand them to speak with manager. They even wrote on their XXXX repsonse that I refused to leave the manager a voicemail once, but they did n't mention the fact that I had already left the manager a message multiple times before with no repsonse, that 's why I refused to leave ANOTHER pointless message. I also spoke with my account manager XXXX regarding my debt owed on XXXX XXXX, and he became very rude and started threatening me that even if I filed for bankruptcy, they will still come after me for the balance I owed and rudely hung up on me after further stating that he was going to proceed with legal matters. This information he gave me is false, I spoke with my bankruptcy lawyer already and he said XXXX is not allowed to threaten me regarding the debt I owed in this manner. I 've already gone through the XXXX and loanmart responds with false actions. I want to settle my loan with them honestly but am being lied to and treated unfairly through this process. I feel like I was led into a trap by signing this loan with unclear explanations and now can not escape this loan. I 've raised my settlement offer to {$3000.00} by borrowing money from family but that is the most I can borrow for this settlement but loanmart still wants more. My credit is already ruined and I do n't know what loanmart wants me to do.
Consumer complaint received 2020-08-22
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: BARCLAYS BANK DELAWARE (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-02
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. (NJ)

Information and inaccurate reports are being filed and hindering us from doing business. The tortious interference of these companies and their failure to abide by the law in the proper correction, removal, verification, reporting, and/or removal of the information or providing in writing the verification information as requested and lawfully required has caused gross personal/private economic damage and loss.
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My accounts two credit card accounts were showing on the mobile site as past due in late XX/XX/XXXX, although the accounts were current. I called Bank of America and they said there was an issue with their site and they would fix the display. 

The representative deleted the automatic payments that have been recurring for over a decade. I started to get calls from bill collectors. I called again on XX/XX/XXXX to fix this issue. THey promised me that they would reestablish the automatic payments and back dates the payments. That did not happen. I called again on XX/XX/XXXXand they told me that I had to make the payments again and setup the auto pay on line. They put a hold on my account for five days and charged me late fees. They did all of this knowing that their representative deleted the automatic payments. It is exhausting dealing with these people
Consumer complaint received 2020-08-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WI)

I applied for the Chase Amazon credit card. They required income verification. I spoke with Chase and sent via docu-sign my W-2. Chase declined my application. I contacted them. They said they were looking for unemployment income verification - I have never been unemployed. I re-explained and was supposed to receive a second docu-sign link. Never received it. Called them again and was bounced around 6 different " teams. '' All with waiting times. I filed a complained with XXXX  on XX/XX/21. Chase reached out to me and was unable to find my application based on my social security number - I did not have the " reference '' number on their original request for additional information.

A few days/a week or so later, I was told that my W2 showed income {$1000.00} higher than what I put on my application and since the amounts didn't match, they denied my application; this is odd, as they " couldn't find it before, '' and never even gave me an opportunity to increase the income noted on my application. They then said too much time had passed and I would have to " re-apply '' for them to consider anything again. They never gave me an opportunity to correct that figure. In fact, my income was under-stated which seems like less of a reason to deny an application. Chase called me today, XX/XX/21 after I tried to initiate arbitration with XXXX  and they pretty much just told me that they're not doing anything since too much time has passed, but I can be " re-directed '' to the lending " team. '' I have never been required to have W-2 income match any credit cared application I have submitted to the XXXX. This seems like an abusive practice to lure in lower income people less able to pay their credit card bills ( I have never made a late payment on any credit card and pay my balances every month on all but one ) so they can get their interest payments from consumers.
Consumer complaint received 2020-08-22
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. (NY)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

You did not pay my property tax until XXXX in spite of me informing on XX/XX/XXXX and the last day to pay was XX/XX/XXXX. So I went and took a personal loan and paid around {$4200.00}. So you sent the payment later of {$4000.00} and then got it back and then put it in my escrow account. And you did not even pay the late payment fee. It went out from my pocket. 

Attached is your previous response ( complaint # ) related to the property tax. You mentioned that the decision will be made by XX/XX/XXXX. You did not bother to inform me or send a mail communication regarding this. Why are you not returning my property tax amount? There is a balance of {$5900.00} in my escrow sitting right now. Why are you keeping such a large amount in my escrow What is the real problem here? 

Please fix your system and also your customer service. You are giving nightmares to the customers. So many issues and problems with Shellpoint. And it continues as usual.
Consumer complaint received 2020-05-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I received a phone call in late XXXX or early XXXX from a so called collection company named XXXX and XXXX. They claimed that I owed First Cash $ XXXX and that a process server would be coming to my home. He later went on to stat that if I paid that day that would keep me from getting served. I was told that I could settle for {$590.00}. I was told that I could set up a payment arrangement for {$210.00} a month. The {$210.00} was being taken out of my account every month up until XXXX, but thats when I received a notification on my credit report, from another collection agency ( XXXX XXXX ) stating that they too were collecting for First Cash, in the amount of {$440.00}. So I called the actual First Cash collections department and they were able to verify that exact amount. I was also able to verify the debt collector ( XXXX XXXX ). So I tried reaching out to the other so called collection agency XXXX and XXXX but I didn't really get any response. I tried looking up their website but it all just seemed fake. So I have been being scammed out of {$210.00} a month since XX/XX/2020. I have changed my debit card and account so that they can't continue to take money from it. They use a company called XXXX XXXX XXXX to withdraw the money from my account. As of right now I have paid the full amount to XXXX XXXX for First Cash, so that account is paid and full. At this point I guess all that I can do is ignore XXXX and XXXX if they decide to try and contact me for payments.
Consumer complaint received 2018-07-02
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (CA)

I purchased a XXXX XXXX from a XXXX car lot in XXXX, CA the creditor is GM Financial. The financing department as part of their sales pitch helped me to set up a reoccurring auto payment from my checking account before driving off the lot with my new car. All my payments have been on time and Ive never had an issue until XX/XX/XXXX when I realized that my payment hadnt been processed like normal. When I called GM they told me it was cancelled and that the system cancelled the auto pay based off of a date put in by the salesperson. I was never given anything in writing about my auto pay being cancelled after a certain amount of time nor was I sent any mail, email correspondence and I never received a call or talked to anyone from GM. I called and re-initiated my auto pay with GMs help after finding out I was late due to this error that I should be held responsible for. Ive talked to CS Reps and Supervisors as of XXXX on a XX/XX/XXXX and back in XX/XX/XXXX and no one will help me. They said its my fault I have a negative rating on my credit report. Im in the middle of buying a house and that dropped my score almost 30 points. Ive never had any late accounts on my credit until this happened and it hurt me because Im in the middle of an escrow. I need GM to remove this negative rating and ASAP! Ive been a loyal good paying customer never late and this is how Im treated when it wasnt my fault but the fault of a GM representative. I have contacted the credit bureaus to dispute but havent heard back and GM wont help me either. I need this fixed ASAP!
Consumer complaint received 2017-06-05
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 sent a letter about some accounts that they were reporting that was not mine. They did delete some of the accounts and had an results on the other ones with " Verified as accurate and updated '', but the accounts are not mine. I will like for someone to review the attachment for one of The creditor sent me for the account " verification ''. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the accounts that are in error on my credit report. Attached and has filed a police report with XXXX county to get these errors resolve in a timing matter. They are hindering me.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, in amount of {$7700.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-07-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALCHRO INC. (FL)

I never hired or authorized this XXXX doctor to do anything. Any services that may have been requested was done by another doctor or hospital. I never agreed to make payment or be responsible for payment. I also have XXXX XXXX XXXXXXXX with a 100 % coverage and no delectable even if I authorized the XXXX XXXX ( which I did not ) I would have been covered by my health insurance provider.
Consumer complaint received 2022-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (OH)

I recieved this letter in the mail on the date of XX/XX/2022 in the account number is XXXX the XXXX  account number is XXXX its says balance due is XXXX this isnt something that I have any knowlodge of please give me a call at XXXX so this matter can get handle thanks.
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (AL)

Chase Bank did not send me a statement. Chase Bank did not contact me until my account was 30 days past due. Since the day I received my card ( about 6 months ago ) from Chase Bank, I have not received a single statement. I'm never late on payments and never have a carryover balance on any of my credit cards. My credit score was 800+, now thanks to this unethical company it has dropped about  75 points for who knows how long. When I looked in to it, I learned my card was 0 % interest and the only way they made money off of the card was through late fees. I don't think it was a coincidence that I never received statements. I'm done with Chase and hope they're not doing this to anyone else.
Consumer complaint received 2019-02-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC. (CT)

I deposited funds totaling {$40000.00} to qualify for Ally Bank 's 1 % extra back up to {$1000.00} on new money deposited program. 

I met all of the qualifications and the bonus was not paid. 

I called Ally on XX/XX/19, and they were not able to pay the required bonus by XX/XX/19, nor were they able to tell me why. 

XXXX XXXX Phone number XXXX The accounts involved Account # XXXX Account # XXXX Please help me. 

XXXX XXXX XXXX
Consumer complaint received 2018-07-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Filed a dispute with Experian Report Number XXXX, XX/XX/2018 and I included a consumer statement to be placed in the file. 

Received the update credit report and no reference was placed in the file to my consumer statement. Their management, supervision and follow up is very poor at best. 

They are more concerned with signing you up for fee based services than correcting errors. When you call their number their messages while on lengthy holds are allow about selling you services. 

The legislature needs to remove the loop holes in the law that allows them to operate in this fashion. Thank you for look into this.
Consumer complaint received 2020-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AR)

This is a XXXX rental scam. Ive actually been scammed twice ( pretty much at the same time and in two different cities ) and so will be filing two separate reports. I am absolutely shocked that I could have been so naive as to fall for this, but the communications between the landlords seemed legit and the leases they provided also seemed very legitimate. I also feel that the situation was amplified by the weirdness around CV19 & not being able to meet up with people in person. I am trying to get my XXXX XXXX, and so Ive been searching out new cities to live. I found a reasonably priced apartment in XXXX, IN. This is the scam I am reporting in this claim. 

My initial contact with XXXX was made on XX/XX/XXXX where I responded to her XXXX ad. 

XXXX XXXX XXXXXXXX We back and forthed using the XXXX attached email ( can provide emails as well ), until XX/XX/XXXX when she sent me the lease agreement from her personal email. The lease seemed well written and had all of the suspected mentionings that an ordinary lease would have. I was wary of sending money to a stranger, but I also felt like the lease was a binding contract and if needed, I could reach out to a lawyer or something. 

She used the name XXXX XXXX XXXX when she signed the lease and provided the phone number XXXX XXXX XXXX XXXX. The address for the property was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX We had agreed upon {$850.00} for one months rent and a {$300.00} security deposit. My red flag went up when, after I had sent the {$1100.00} ( I sent it to her email, XXXX via XXXX ) she said shed made a mistake and that the deposit was actually supposed to be equal to one months rent, so she asked if I would send the extra {$550.00}. This is when I told her no, we agreed upon {$1100.00} and I wouldnt be sending any more money. And if I needed to send the extra {$550.00} in order to put down a deposit, then I wasnt going to and asked if she would send me my {$1100.00} back. She didnt reply for the next two days. 

I sent her the money on XX/XX/XXXX. 
XX/XX/XXXX was when she said she needed more money. 
I responded the same day ( XX/XX/XXXX ) telling her no I wouldnt send more money and if that didnt work for her then would she please send the money back. I didnt hear from her for two more days, until today ( XX/XX/XXXX ) where I emailed her begging to please say something as I was getting concerned. She then replied almost immediately, saying something that was pretty much gibberish and didnt make any sense. Ive tried calling her and theres no answer and no voicemail either. 

I am happy to provide the lease agreement she sent me and we both signed, and any other information required to assist in this case. Im not even sure if shes a real person.
Consumer complaint received 2020-11-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2022-09-14
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. (TX)

On XX/XX/2022 I contacted Equifax about some inaccurate accounts on my credit report. they verified these accounts through automatic verification which I did not consent to. XXXX found these same accounts not mine and removed them but Equifax has yet to do so. They have violated my rights and these accounts should be removed immediately.