davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc. (PA)

I purchased a XXXX XXXX XXXX from Carmax in XXXX of XXXX. I have made payments, sometimes late but I have caught up when finances allowed, for the past almost 3 years. I recently was caught up with medical issues that caused my finances to be stretched as well as we had a loss in our family and have been going through very tough times. I have made payments, while not at the full past due balance, I have at least paid what the standard payments were. On XX/XX/XXXX I attempted to make a payment and Carmax refused to allow me to make the payment online or through the app so I was forced to call in. I called Carmax on XX/XX/XXXX and I was met with a very disrespectful and unempathetic employee who proceeded to tell me that the car was up for repossession. I received no notice of this and advised her of this. She states they mailed letters but that they came back returned. My wife is home and gets the mail everyday and never once was given a certified letter to sign for. We also have security cameras and the mail delivery person never brought a letter to our door. The employee didn't care and refused to so any empathy when I explained our financial issues. We are a one income family as my wife is unable to work. The employee continued to tell me that all they can do is take a payment of $ 270+ and give me 14 days to pay the rest or the car will be repossessed. I begged her to see if there was any other option as I do not even have {$200.00} to my name. She refused to offer any assistance and said that her word is final. This has caused me stress to the point that I am currently speaking with the suicide hotline because she has made me feel like I am a failure and that there is no hope. I struggle with XXXX and have had a past in XXXX   thoughts and this is the closest I have ever been to crossing the line thanks to Carmax Finance 's employee. All I am asking is for a little compassion and help. I will get caught up once I receive the funds to do so. I am just asking for some help. I want to pay for the car and am willing to do so but I just need a little help until I can get back on track. Carmax refuses to assist. Carmax does not care.
Consumer complaint received 2021-01-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5300.00}, {$0.00}, {$5800.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 


-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (VA)

I signed up for the Citi AADvantage Mile up card in XX/XX/XXXX. They had a bonus offer that they emailed on XX/XX/XXXX, with XXXX miles and XXXX dollars in statement credit, as well as a promotional introductory APR. While I had the APR applied, the XXXX dollar statement credit and the introductory XXXX bonus miles were never given to me. I called in XX/XX/XXXX to inform them that my new bonus had not come in my account and they said, this offer was available only to those opening a new account. I told them, this was a new account that came with a 0 % APR, which was applied, but not the other 2 offers that were also there, which included the XXXX Bonus miles and XXXX dollar statement credit. They refused to issue the credit. I called again in XX/XX/XXXX, and citi again declined my request. I would have not applied for this card had those offers not been there and they have refused to honor what was advertised when I applied for this card. I have gone back and forth with citi and they still stay this was not a new card, but how can I get an email about having an application approved if I didn't get the new card? Citi is engaging in illegal and fraudulent behavior by promising their customers with new offer bonuses, but not delivering them. This is cheating customers, especially because I have been with citi for such a long time. You can see from my XX/XX/XXXX statement that a promotional interest was on there, and this is only for new card members and I had met the XXXX dollar minimum at that point to get my XXXX miles and XXXX dollar statement credit. Citi 's system obviously did not give me the bonus offer that I was entitled to, but citi has refused to honor their request and are cheating me out of the rewards I signed up for.
Consumer complaint received 2019-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have disputed the collection account on my Transunion and XXXX credit report. XXXX succesfully resolved issue but Transunion did not. Transunion instead claimed to have verified and updated the info on account and Transunion also lowered my score by 28 points. There is no update on the actual credit report. I paid this account in full to the Original Creditor XXXX. There should be no collection and no balance. Transunion failed to contact original creditor to see if the balance had been paid and are continuing to report false data that is not updated or verified.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (VA)

I was charged an enormous amount of fees from Wells Fargo bank to the point where I closed my account when I attempted to speak to them no one ever returned my calls or refunded the fees taken
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I recently froze my XXXX report, and have received verification that my report has an activity freeze on it. I contacted XXXX & Experian credit reporting agencies on XXXX different occasions, and asked them to verify a public record of bankruptcy on my credit report. They sent a reply stating that it was verified through XXXX, which is untruthful.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have been getting multiple credit card offers from Capital One, XXXX  XXXX, and XXXX XXXX  XXXX. Some weeks, I get four mailings from these companies a week. 

Every letter has the same opt-out number, XXXX. I called the number to opt-out and it always leads to someone with a heavy accent who tries to ask for personal information. 

I suspect someone is trying to pull a scam.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2019 a background check was submitted for XXXX XXXX to Experian. It listed my current address in XXXX, FL which is incorrect. I live in XXXX, FL and my son lives in XXXX.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

Following up on my previous complaint, issues still persist in my credit reports, despite appreciation for efforts made to address fraudulent entries stemming from alleged fraudulent activity. Outstanding items still require attention, including unauthorized credit inquiries and incorrect personal information remaining in my credit file. I once again request the removal of these unauthorized inquiries and the correction of erroneous information, along with the issuance of an updated credit report reflecting these changes. Please forward the updated report to my address as provided in this complaint : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In accordance with Section 605B ( a ) of the Fair Credit Reporting Act, you are mandated to remove any items opened without my knowledge, consent, or authority within four business days, requiring ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a consumer statement affirming the information does not relate to any consumer transaction. I will provide my Driver 's License, Social Security ID, and Proof of Billing as verification of my sole address, alongside my new FTC report # XXXX.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I request credit report online from Equifax. There is an online identification validation process where Equifax post 4 questions for me to answer. However, the 4 questions were bogus so there is no way I can get it right. The answers for all 4 questions are " none of the above ''. My wife tried the same process and got the same 4 bogus questions. It appears that Equifax deliberately deny request for credit report by failed the identification for consumers. 
I started from XXXX and did not have any problem with XXXX or XXXX.
Consumer complaint received 2019-11-11
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have had several cards with Capitalone. I have a credit card with them that begins in XXXX. This account was opened on XX/XX/1992. There have been making changes with this GMCard or XXXX  card. I have never been late until one time this year which I believe is the company problem. I have always had my auto payment on but when the company made changes it was turned off or removed. I never received a notice that I owed on this account since I did not make a charge of this account. I believe the charge is a charge for having the account. I have not been able to access this account on line and have been in touch with the company. They claim their going to mail me a form but I have never received it. Based on all of the changes and never being late in over 20 years I want the company to remove the late payment from the credit agency. When I called in the representative at the company agreed to put my automatic payment back on. 

I could not pay for something that Iwas not notified about
Consumer complaint received 2017-09-18
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: Navient Solutions, LLC. (TX)

Navient is reporting a private student loan that is past the time that the debt can be reported to my credit file. The total due is {$5500.00}. I have not had a private student loan since I was in XXXX college ... which was XX/XX/XXXX-XX/XX/XXXX. IF this is that same debt, this debt is past the time it should be reported.
Consumer complaint received 2019-03-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation (PA)

I got my home in XXXX with a 30 year mortgage from PHH. I never missed a payment. Then my XXXX year old had a XXXX XXXX outside of the country and no insurance to cover. I had to use every penny I had for XXXX and XXXX. I fell bacj on one payment and called PHH to ask what can I do? They told me to do a loan modification. I was happy then but come to find out they added 22 years on the life of he loan. Thus instead of maturing in XXXX its XXXX. 
Then in XX/XX/XXXX I received a letter stating that my mortgage has been transfered over to XXXX without my consent.
Consumer complaint received 2019-03-02
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. (NC)

I recently received a copy of my credit report where a collection item was Removed on XX/XX/XXXX but later added back to my credit file on XX/XX/XXXX without any written warning to me as to why the collection item was from XXXX XXXX XXXX a company in which I previously disputed as i have never signed a contract or received any services from this company I have enclosed a company of the experian dispute showing the item was removed and then added back In addition I have a fraud alert on my file however experian has allowed inquires I have no knowledge of and refuses to drlete said inquires after several phone calls the inquires innquestion are below XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020, at approximately XXXX PDT, I attempted to get a copy of my free credit annual report but discovered I was locked out from getting such reports from the 3 credit reporting agencies. The reason for this attempt was I have reason to believe someone has fraudulently taken out a loan on my residence and I wanted to see if any loans show on my credit reports and if so, how much was the loan. I then attempted calling all 3 credit agencies. I was then asked four computer-generated questions to verify my identity. Questions involved answering questions requiring I give exact dates involving past credit accounts and financial transactions. Note : I'm XXXX years old and have failing memory and had no exact recollection of these dates. I was therefore told " I could not be verified. '' I was refused any further information regarding any loans on my home. I need help getting this information to prevent losing my home, if in fact someone has fraudulently taken out a loan on my home.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXX -- -- ->Date Opened -- -- -- >XXXX XXXX XXXX XXXX : XXXX -- -- ->Date Opened -- ->XXXX XXXX XXXX XXXX : XXXX -- >Date Opened -- -- >XX/XX/XXXX XXXX XXXXXXXX XXXX : XXXX -- -- -- >Date Opened -- -- >XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX -- >Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- >Inquiry date -- -- > XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XXXX XXXXXXXX XXXX XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XX/XX/XXXX XXXX XXXX XXXX  XXXX -- -- ->Inquiry date -- XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX  XXXX -- -- -- ->Inquiry date -- -- >XXXX XXXX -XX/XX/XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXXXXXX XXXX  -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX  XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX  XXXX -- -- ->Inquiry date -- -- >XXXX XXXX -- -- -- >Inquiry date -- -- >XXXX XXXX  -- -- -- ->Inquiry date -- ->XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX XXXX XXXX -- -- -- >Inquiry date -- XXXX XXXX -- -- -- ->Inquiry date -- -- XXXX XXXX XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX  XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX/XXXX -- >Inquiry date -- XXXX XXXX XXXX XXXX XXXX -- >Inquiry date -- XXXX XXXX -- -- -- -- >Inquiry date -- -- XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names : XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX
Consumer complaint received 2021-09-20
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

In XXXX I received a notice from XXXX XXXX XXXX  that my flood insurance coverage was insufficient by {$23000.00}. I immediately filed for an increase on my flood policy from {$190000.00} to {$200000.00}. I was unable to increase it by the requested {$23000.00} as it would have exceeded the percentage of value guidelines. I immediately faxed the declaration page showing the increase to XXXX. A day later I had the flood policy amended to show the change of mortgagee from XXXX to XXXX as the change had not been made whenever they switched over. Last week I received a bill from XXXX for {$110.00}, for forced place insurance in the amount of {$23000.00}. When I called and got through to a manager he told me that my earlier 2 faxes had been received but never transmitted to their insurance department. I believe this Company is engaging in false and deceptive practices by force placing unneeded insurance on their mortgage clients. I am a licensed insurance agent and wrote my own policies so that although I am a senior ( age XXXX ) I was able to respond to this request quickly and accurately and professionally.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (PA)

I was the victim of predatory lending scam in 2005. As a result of the high mortgage payments, I fell behind on the mortgage. I was eventually able to refinance the mortgage about ten years ago. I was informed I have no equity in my home, although I have been paying the mortgage for 16 years. I do not understand how this is possible.
Consumer complaint received 2019-11-11
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. (AZ)

I was an authorized user on a XXXX XXXX card and its only on my Equifax report hurting my credit. We have requested them to remove me but they have not. See attached doc
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SUNRISE CREDIT SERVICES, INC (CT)

they keep calling everday none stop i told them that i gotten in touch withXXXX and they said that they did not send anything to collection agencyi explain to XXXX  that they have my address and now they are calling my mom house how did they get her phone number so now i am stuck with this collection agency calling everyday what do i do now
Consumer complaint received 2019-11-11
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: WELLS FARGO & COMPANY (MN)

On XX/XX/2018 I went to XXXX of XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX of XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.