davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-12
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: EQUIFAX, INC. (FL)

I was trying to get XXXX XXXX. The first two times I tried to get the service, the process was cancelled due to XXXX 's internal security process being flawed. They advised me to try again. On the third time, they changed the process without warning and did a credit inquiry I did not authorize.
Consumer complaint received 2021-04-22
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LoanCare, LLC (MI)

I am trying to pay money to myloancare and they don't want to take the money. I am very disappointed. 
-Please keep in mind that each phone call takes from 60 minutes up to 3 hours. Yes. 
-All emails and contact us web forms send an auto responder email and no one gets back to you - You leave a message to call you back within 24 hours, no one calls back .... NO ONE. 
- All calls are recorded, many times they just hang up the call. I wish I could get any of these recordings. 

So here are the issues briefly that I have been facing. 

ISSUE # 1 : A check was cut on XX/XX/XXXX and mailed on XX/XX/XXXX by a local Covid 19 XXXX and XXXX XXXX program as I was qualified due to my hardship, the check was with an amount of XXXX it was mailed to the below address : XXXX XXXX XXXX XXXX, PA XXXX The amount never got deposited into my account. 

We kept on going back and forth with the company ... No way we could find the check. and of course its USPS 's fault. 


ISSUE # XXXX : since XX/XX/XXXX We have been requesting an affidavit of Lost check signed, notarized and sealed, which has never been done. 

ISSUE # XXXX : A new check was issued again by the same covid 19 mortgage relief program dated XX/XX/XXXX in the amount of {$5800.00}. 
It was mailed, using certified mail, to the below address : XXXX XXXX XXXX XXXX, PA XXXX I provided the USPS Tracking number : XXXX and was delivered to your XXXX XXXX on XXXX, XXXX, XXXX at XXXX XXXX  and has never been deposited into my account. TILL TODAY. it is within their facility, with my loan number referenced onto it, and never cached????? 
And guess what, I have to call everyday and LITERALLY STAY for HOURS on the phone begging for assistance, and the loss-mitigation team would tell me the only thing i could do is leave a message to the supervisor. 

ISSUE # 4 : On XX/XX/XXXX, I was applying for one month mortgage payment assistance at a different Service Agency, in the amount of {$1400.00}. As per a telephone conversation with XXXX at MyLoanCare, We emailed them the required documents so that they could pay the money to myloancare, which is the mortgage statement as well as and W-9 which need to be filled out and returned to me. You would then receive payment within 30 days. 

Another Rent and Mortgage Form was to pay {$1400.00}. After all the phone calls and emails and tickets created, We got the form filled up for {$1100.00}. 

Ticket # XXXX Ticket # XXXX Ticket # XXXX Ticket # XXXX Ticket # XXXX Ticket # XXXX Ticket # XXXX Ticket # XXXX Ticket # XXXX I am extremely disappointed. I have put more than 40 hours of time in calling XXXX just to be able to get this amount of money into my account. Crazy Right. 
I tried to file a complaint, and I wasnt able to do it. I guess I need to be more creative and think outside the box. 

I sent emails to all these emails : No response XXXX, XXXX, XXXX, Payment ; XXXX ; XXXXXXXX XXXX  XXXX ; XXXXXXXXq ; XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX
Consumer complaint received 2024-03-23
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: EMCC Holdings, LLC (SC)

Numerous times we were contacted by this company and each time, we stated that the timeshare was not what we wanted. They advised us that this was not a timeshare and that it was a vacation club. We did not meet with an attorney or perform a closing. I looked at our credit report today XX/XX/year> and it shows over {$18000.00} owed and that it is currently in foreclosure. How is this in foreclosure and it was never a mortgage? When we spoke with someone in customer service we advised that we wanted to be done with this, they stated that they would document our account and it would be up to the place in XXXX XXXX that we went to as to if we would be released. We have not received any mail correspondence from them in over XXXX to XXXX years, but they continued to report and not advise us. We were deceived into thinking we were buying vacations and not entering into a mortgage agreement. We did not have our attorney present with us to do a proper real estate closing. This is a deceitful practice.
Consumer complaint received 2021-07-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (TX)

On XX/XX/2021, I went to CarMax.com and filled out a pre-approval application for a car. CarMax asked me for my Social Security number ( my credit card number thats connected to an open-end credit plan ) and later on that same day, I was sent an email stating we were unable to approve you for the amount requested. Pursuant to 15 USC 1602 I am the natural person, credit means the right granted, the original creditor, the consumer, and the term credit card means ANY card, etc. One card in particular is my social security card. Meaning, I typed in my social security number into Carmaxs website and was denied. Pursuant to Truth in Lending I am the original creditor and that means I am the only one who can extend the credit back to myself because i am the consumer, original creditor, and natural person. On XX/XX/2021, i left a review and someone called me back the next day. I told him about the federal laws that CarMax is violating and he didnt know what to do or to say. I never heard back from anyone again. I called again today ( XX/XX/2021 ) and a representative hung up on me because i was trying to figure out who denied me and why did i have a inquiry on my credit report and i didnt give CarMax written permission to do that. I also filled out a identity theft report on the FTC website.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I have a 30 day late on my credit report for XXXX for XX/XX/2019 for {$25.00}. The payment was not late. I have a letter from XXXX stating it wasn't late. Yet it's still on my credit report after 5 disputes.. ;
Consumer complaint received 2020-07-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (VA)

I started a refinance process with Freedom Mortgage back in XX/XX/2020, at their offer, and it has costs me over 100 points off my credit score, access to other credit sources, and months of wasted time and effort. Because of their constant mistakes, negligence, non action to correct, and refusal to communicate with me, I'm submitting a complaint outside of their organization to force them to respond and remedy this situation. Closing took 3 attempts because they couldn't get my name spelled correctly and they are now pretty much ignoring me since the loan closed. We're in the middle of a worldwide pandemic and this company could care less how they're impacting both my monetary well being and physical health. I've tried to work with them, constantly calling and emailing, but all I get each time is " a manager will call you back ''. It's been 7 months with no relief in sight. I have experienced severe damages and will continue to suffer damages now and in the future. I see they've been in trouble before and I'm not sure why the VA continues to allow them to work with service members and veterans. They clearly don't value our business or care anything about how our families are impacted by their negligent practices.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (GA)

Chase Bank is offering three separate offers for the " Freedom Unlimited '' card, claiming that they're all the same card. To me, this seems like a highly deceptive practice as it's based on a random factor of a user visiting the site. Refreshing the page will provide additional perks to a card - for the life of the card. Please see attached screenshots for an explanation of what I'm talking about.

It doesn't seem legal, fair, or ethical for chase to offer additional " card benefits '' if a user refreshed the page. It doesn't seem correct that this is based SOLELY on random chance, and yet they claim that it's the same card. A card with 0 % on 299+ is not the same as a card with 16.49-29.99 % interest after 15 months.

Chase has attempted to claim that it's a new customer bonus ; however, I don't feel that's the case when the 0 % interest for 6 months on purchases of {$290.00} ( for life ) is listed as a card benefit.
Consumer complaint received 2021-11-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc. (CA)

My complaint has to do with Comenty Direct, their policies and customer service. I couldn't access my account for three weeks because of a glitch in their secondary verification process. I kept calling and kept being told that someone would get back to me in 3 to 5 days. This in itself is outrageous -- three to five days when you can't access your account. In any case, I eventually got lucky and the customer service person on their main number was able to solve the problem ( after two other had failed ). 

That was issue # 1. Issue # 2 : I wanted to transfer XXXX from my savings account to another financial institution. When the website wouldn't allow it ( bizarrely limiting withdrawals to XXXX! ) I called and was told I'd need special permission and that it would take ( guess what ) XXXX to 5 days. To make matters worse, the person I talked to on XX/XX/XXXX put in the request but failed to enter the amount ( XXXX ) and therefore it wasn't acted upon. The person I spoke with today ( XX/XX/XXXX ) resubmitted with the correct info, which means I should be getting an answer in ( wait for it ) three to five days! 

In my opinion, this is intolerable behavior on the part of a financial institution. When you have funds in a savings account you expect the funds to be available without having to ask permission and then wait for someone to get around to acknowledging your request. My impression is that they don't take either their fiduciary duties or their customers seriously.
Consumer complaint received 2018-06-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (TX)

I have called American Credit Acceptance and spoken to 3 different account representatives ( its all on their recorded phone line ) to tell them they have not reported to the three credit bureaus ( XXXX, XXXX, XXXX ) in over three months. The information regarding my account is incomplete and inaccurate. As a result of them not reporting my credit scores have not raise to reflect my payments. I have been making payments before their due dates every month and have not gotten any credit for it on my credit report, as they have not reported, " pays better than agreed '' or anything since XX/XX/2018. Per 15 U.S.C.1681 ( FRCA ) American Credit Acceptance is willfully violating the fair credit reporting act.
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (TX)

I have multiple negative credit reporting on my credit report from you that states I owe {$1600.00} I also have another credit that shows for {$2400.00} This has been keeping my credit score stagnated for years now. I do not know were this is coming from and want to know why this is being reported.
Consumer complaint received 2018-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (CA)

Good Afternoon, My name is XXXX XXXX. I have reached out to Discover Student Loans multiple times for details on my account because I believe my balance is incorrect. I have made additional payments as well as those that have been due, when I noticed my balance had not decreased in XX/XX/XXXX or XX/XX/XXXX I began to do my own investigation, as well as reaching out through email, phone, and secured messaging on their website.

I was told that there was a merge between accounts and that balances may be incorrect. That message was also posted on their website very briefly. I received multiple calls and emails hounding me for payments that had already been made. One rep actually had to apologize as she was confused as well.

I was advised to submit additional receipts that were not accounted for online, but they have not been acknowledged.

It is concerning that I am being told any payment that has been intercepted reflects on my online account payment history, but I have in fact given proof that they have not been accounted for.

I believe that this is discover student loans fault, and their consumers should not have to suffer due to their unorganized merge.

I have also requested a thorough payment history breakdown from the beginning of the loan history, disbursements, and payments made. I was told one would be given to me, and I have still not received it. It has been well over a month now.

I would also like to note that I spoke to someone named XXXX  ( I still have the letter he sent me ), and once I proved that the payments I made were in fact not reflected on my account, he said he would transfer me to someone else and instead disconnected. When I called him back, he did not answer. When I left a message, he did not return the call nor did he advise a rep to follow through with a solution.

I will be sending subsequent emails to any and every party associated with discover until this has been addressed and taken care of. Or I will ask that Discover be investigated for embezzlement. Please advise.

The e-mail associated with the account is : XXXX XXXX
Consumer complaint received 2021-02-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

A dispute letter was mailed to all 3 credit bureaus dated XX/XX/2021. As of today I have yet to hear back with a resolution to my dispute. The accounts are fraudulent and should be removed. from my credit profile.
Consumer complaint received 2020-07-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. ()

I leased a vehicle through Ally Financial and a lease returned was done on XX/XX/2020. I received a letter from Ally Financial dated XX/XX/XXXX stating that the inspection was completed and there was an Excess Wear Charge of {$710.00} plus tax for a Windshield Crack greater than 1/2 '' diameter. Upon reviewing the inspection photos, I found that the starburst was in fact less than 1/2 '' in diameter which per the lease agreement should have been a non-chargeable item. I immediately reached out to customer service and advised them that I wanted to dispute this charge. I then received the final statement stating that the charge was still included in the final accounting. Upon contacting Ally Financial by phone, I was advised that although the windshield crack was smaller than 1/2 '' in diameter, because the vehicle is a " premium '' vehicle they still needed to charge in full for the windshield. This information is not listed anywhere in regards to returning the vehicle and seems to be a ploy to take advantage of consumers. The vehicle was said to be already sold which would have been in lightening speed, a matter of 1-2 days which means that I was not even allowed to utilize my comprehensive insurance coverage for the damage which would have only been a {$50.00} deductible. I am an XXXX XXXX military XXXX and my wife is currently affected by the Covid-19 pandemic and this has caused an extreme and unnecessary hardship on my family.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (MO)

I would like to link my checking account to XXXX debit card, which is a debit card designed for children. PNC will not allow an electronic connection to be established. XXXX has a relationship and works perfectly with many other banks ( XXXX, XXXX XXXX, etc. ).
Consumer complaint received 2021-02-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

In XXXX XXXX XXXX, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XXXX Account # XXXX. In that month, I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified and inaccurate account as of today.
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc. (NV)

XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX Calling from : XXXX I've been receiving calls from this number since XX/XX/XXXX at what would be just about XXXX in the evening. It's unusual for someone to call my line after XXXX XXXX regular work day as I'm usually not available at this time. I actually have the publicly registered number ( s ) from this company saved on my phone and that is where I was expecting to be contacted from. I found it odd that a local number would call so many times without leaving a voicemail but ignored it nonetheless because no one who knows me calls without texting me first unless it's an emergency. Due to the amount of times this number appeared in my logs alone, I decided to call them back on the XX/XX/XXXX.  When I dialed the number, it rang once, then bounced me to the queue for Simm Associates Incorporated and immediately puts me in line to speak to a live agent. My phone number works perfectly fine and I'm open to returning calls of those who leave voicemails, but these practices are done in a way that I believe is in violation of my rights as a consumer under the FDCPA and the TCPA because not only is it deceptive, but because the company masking their number with a local line to establish contact with me in a way that misrepresents the nature of their calls, which is spoofing.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm a victim of identity theft, all of my personal information was stolen and used in various states. I dispute a item that is not mines, each time it comes back as verified.
Consumer complaint received 2020-07-13
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. (NV)

These are not my accounts. There are addresses and names listed that I do not know or don't pertain to me. Additionally, there are companies that had pulled my credit in which I did not authorize. Please remove them from my credit profile.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian is rating me unfairly as a consumer. I have paid almost all my debt off and experienced identity theft. I have provided overwhelming evidence of this and they continue to dock me points because they claim that not enough is on my credit report. They claim my credit profile is too thin because I have paid all of my debt off, but I have been denied credit despite my exceptional history over 6 times this month alone while trying to purchase a vehicle for my family. They make me pre approved offers but since I do not want them, they decrease my credit a point or two at a time. Lenders have denied me credit and sent me documentation that states different than what my credit report reflects and even the score the lenders are reporting is inaccurate. I currently make over XXXX a year with no debt and I am unable to acquire credit and therefore purchase from our economy because of Experian. There is no credibility to their credit reporting. I have resolved issues with XXXX once all documentation was submitted and I was boosted over 90 points once it was resolved. This agency does not have the best interest of consumers and the economy in mind only their own and should not be able to make someone with my education and a contributor to society suffer without reason. Please allow me to provide documented proof and advocate for me to take action against them or encourage to report accurately and gauge consumers more fairly. If provided a representative I will provide overwhelming documentation against them.
Consumer complaint received 2020-07-13
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. (NV)

These are not my accounts. There are addresses and names listed that I do not know or don't pertain to me. Additionally, there are companies that had pulled my credit in which I did not authorize. Please remove them from my credit profile.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

Judgement was filed against myself, XXXX XXXX when the judgement is supposed to be against my son, XXXX XXXX and his wife, XXXX XXXX. We have paperwork from XXXX county clerk with XXXX XXXX and XXXX XXXX name on the paperwork but yet they have my social security number. 
XXXX XXXX was having her paychecks garnished until she moved and got a new job. She is currently employed at a different location but instead of going after her, they are going after me. I am trying to get approved to purchase a home and this is holding me up.