davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Americas Car-Mart, Inc. (IL)

I bought a vehicle from a buy here/pay here company in XX/XX/XXXX. I know it was high interest and I would be paying too much but I didn't have good credit and didn't have many options. It had electrical issues from the beginning but was ok until about XX/XX/XXXX, and by XX/XX/XXXX it was completely broke down. I had to pay for rides to work, which is XXXX XXXX XXXX about XXXX miles, sometimes {$50.00} one way. I called them, asked about trading in for different vehicle, they could not do that, I also asked for their mechanic to fix it and add on to my bill, they said no. They said I still owe too much. I have made FIFTY on time automatic payments, so that is a minimum of {$12000.00}. That's not even counting the whole other issue of insurance they kept charging me for even though they carry insurance on the car no matter what, so if it's wrecked or repossessed they get paid and then sell it again. They say I still owe {$7000.00}. I'm not trying to argue about the fact that this car is barely worth {$3000.00}. I just want to give the car back for the payoff and be done. I think they should take the car, report my account as paid off, I have more than paid for what it is worth, I wouldn't be able to sell it, if it was running, for more than {$3000.00}. I have paid like {$13000.00} with the " insurance payments ''. I have to be able to get to work, I had to buy another car, so I need them to take the car and close my account. Please.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 At the time these inquiries were filed a report, a XXXX card report was filled with my bank. I am requesting that this information is removed because this was an unauthorized transaction and identity theft.
Consumer complaint received 2017-11-04
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 wrote and mailed a dispute letter to Equifax delivered per US Certified Mail ( attached ) XXXX XXXX, XXXX. XXXX XXXX after waiting more than 30 days as instructed I had not received a response and reached out to Equifax customer service. I was advised that my dispute had been complete, that all accounts in question had been verified by the creditors but provided no documentation or evidence. I advised the representative that per my dispute and rights afforded to me by FRCA I was due copies of the original contracts to verify the accounts added to my credit reports or the information was to be deleted. The representative advised that they had heard that before but the companies were not required to provide them the information and they would not delete the records based on FCRA information provided. The representative said they mailed out my results on XXXX and i had to wait. I reached out to Equifax again after XXXX only to be told again they would not delete the records again and that i they would send me a copy as promised before and i would need to wait for it to arrive. After attempting to work with Equifax on several occasions, being denied on multiple occasions, my next step is to start litigation against them.
Consumer complaint received 2017-11-04
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: JPMORGAN CHASE & CO. (NY)

I went to XXXX XXXX dealership on XX/XX/XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XX/XX/XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XX/XX/XXXX, I call the XXXX dealership and they said they could not remove these inquiries from my credit report. XXXX made car loans applications on my behalf without me knowing. I also called the financial institutions XXXX made these applications to. Chase and XXXX XXXX  departments opened cases to look into this situation. XXXX XXXX XXXX XXXXl department refused to, claiming they could not do anything.
Consumer complaint received 2017-11-04
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: Experian Information Solutions Inc. (TX)

I wrote and mailed a dispute letter to Experian delivered per US Certified Mail ( attached ) XXXX XXXX, XXXX. XXXX XXXX after waiting more than 30 days as instructed I had not received a response and reached out to Experian customer service. I was advised that my dispute had been complete, that all accounts in question had been verified by the creditors but provided no documentation or evidence. I advised the representative that per my dispute and rights afforded to me by FRCA I was due copies of the original contracts to verify the accounts added to my credit reports or the information was to be deleted. The representative advised that they had heard that before but the companies were not required to provide them the information and they would not delete the records based on FCRA information provided. The representative also advised that although I requested a copy after the investigation they had not mailed a copy to me. I contact Experian again after only to be told again they would not delete the records again and they would send me a copy as promised before and i would need to wait another 14 days for it to arrive. After attempting to work with Experian on several occasions, being denied on multiple occasions, my next step is to start litigation against them.
Consumer complaint received 2021-11-01
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: 2288984 Ontario Inc. (MS)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that XXXX XXXX XXXX, XXXX report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

Reference # XXXX Current Credit : XXXX XXXX XXXX XXXX XXXX Current creditors account # : XXXX Original Creditor : Money Key Original acct # : XXXX Current account balance : {$1000.00}
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MI)

Every time I want to go into forbearance on my loans with Navient, I have to pay {$150.00} each time and thats only good for 3 months. Also if I want to try to do a plan since I am unemployed they just say my option is just to pay the {$150.00}.
Consumer complaint received 2024-02-29
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

I applied for Best Buy Credit Card ( Citibank ) several years back. According to Citibanks associates they upgraded everyones Bestbuy credit card to XXXX  last year XXXX ( XXXX ). This was done for consumer protection. I never received this card. I made a purchase since this new card was issued. I made my first payment on time in store because I assumed I forgot my login credentials and DID NOT WANT TO DEAL WITH THE PHONE SYSTEM to figure out how to reset my login. XX/XX/XXXX payment is completed a day late due to the same issue. I called this time to pay over phone and to address my inability to access my account online. This is when I was informed of a credit card I NEVER RECEIVED. Citibank has denied my access to my account because I have not activated a card they sent out. I never asked for an upgrade or for a different card. I think its completely predatory to deny access to a consumers account. Force them to either call the banks phone number or pay in person at a physical Best Buy location. Its predatory to add late fees to an account the individual has no access to. I was unaware of the late fees until today when I filed a complaint with Citibank via a supervisor. The associate kept talking about how my profanity was unprofessional but this financial institution is NOT CONDUCTING business professionally. As of this month XXXX ( XXXX ) I once again have no ability to access my account. It is 1 day late again because I need to make sure I drive to a location to pay my bill in person. The supervisor stated that he would remove the late fees but my concern is how this would impact my credit score as I HAVE NEVER MISSED A PAYMENT ON ANYTHING BEFORE. Last month was the first time in my 12 years of dealing with any financial institution. I am livid. I want to this resolved. I want this financial institution held accountable and I do not believe I am a fluke in the way they conduct themselves.
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (WA)

I applied and was approved and eligible for HAF. Submitted to PHH for modification with HAF - 9 months later, I received a denial - reasons being that no customer communication and missing documents. 
I have record of constant communication- my endless efforts to speak with RM - always told no avail or advized me to go online and make apt . Knowing that once in foreclosure, I can not sign in and a couple times, they just hung up on me.
Consumer complaint received 2021-11-01
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. (FL)

The credit bureaus are NOT complying with their own policies in a timely manner! I have submitted a dispute by mail 30 days ago and have NOT receive a response or a dispute on these items listed on my reports. Equifax letter of dispute for acct # XXXX, XXXX, XXXX. XXXX  acct # XXXX, XXXX acct # XXXX. All have failed to comply in a timely manner.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

We applied to refinance our loan back in XXXX to refinance our home loan. After 30 plus days of no response I filed a complaint with CFBP. I heard back from Freedom right away. It has been 60 days now with no contact. I have left a number of messages and sent numerous emails each week requesting updates. I have contact XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I emailed on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. In between all of those emails requesting updates I have left messages. I am at a loss as what the issue is with the loan. We have credit scores over XXXX, we have enough income and the appraised value leaves us with a LTV under 80 %. 

I would greatly appreciate it if someone at Freedom would contact me and let me know what the issue is with the refinance and more importantly respond to any of the emails/calls. I would never treat a customer in such an unprofessional manner as to how this company has treated us. If they had not already pulled our credit I would have gone with another lender. I don't believe in rate/lender shopping with multiple hard pulls on credit.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MI)

I called Venmo customer service to get help transferring money out of my account into my bank. they told me they dont have access to their system so obviously I asked who I can talk to that can access the system and they said no one is capable of that. This customer service representative proceeded to get ruder and ruder as I asked to speak to someone who could actually help me as by this point she was just telling me that theres nothing anyone can do. All I asked was how to use a function that they offer in their app. Im confused as to why I would need to be speaking to someone who can not help anyone and then on top of that when I hung up in frustration, she deleted my drivers license and my bank statements I had previously submitted. What this means is they can disable my account at anytime after this information was deleted because there is no proof that the account belongs to me even though they need your ssn for you to open an account. I got this fixed my resubmitting the exact information she deleted it was restored for about an hour until I went to go take the money out of my Venmo account and transfer it to a bank mind you its {$30.00}. Most banks dont even bat an eye at {$30.00} but as soon as I submitted the transaction my Venmo account was suspended again. I dont understand why transactions are suspending my account when the app is only used for making money transfers. Theyre just mad because I said I was going to delete my account when I got the money out of it. So now theyre making it impossible for me to take my money and leave their service. Also Id like to point out that my account was unsuspended 20 minutes after I posted a bad review on their App Store reviews. Theres an entire XXXX page of people who hate this company and have been having problems with them for years. Its called r/venmo and thats how I found out to contact you guys.
Consumer complaint received 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Regional Management Corporation (OH)

I have a few companies listed on my report that aren't mine 1.XXXX XXXX XXXX XXXX XXXX used my name on both these items 2.XXXX XXXX XXXX ( XXXX XXXX XXXX {$750.00}
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation (TX)

Hi, I closed on two loans on XX/XX/XXXX. First a Conventional Loan unwritten by Fairway Mortgage ( https : //www.fairwayindependentmc.com/ ) and other was HELOC by XXXX XXXX. In the entire process, I as a buyer was talking only with Fairway. The loan officer at Fairway was coordinating the HELOC loan with the other company. 

My concern is about the fees and Cash-to-Close for my house at XXXX XXXX XXXX. Cash to close communicated to me till XXXX XXXX was {$170000.00}, but I ended up paying {$170000.00}. The difference of {$960.00} came as a surprise to me, which I am not happy about. I had been asking for a final XXXX for a week before closing, and I expected to pay the fees that was in the closing disclosure given to me. 

I have raise this concern with the loan officer and their manager, but they are saying they can not do anything. 

My concern is not that I paid more than I should have. My concern is that I paid more than I was told to pay. The Loan officer was my single point of contact, and a day before closing he confirmed {$170000.00} to me and his Closer, but $ $ went high on me. 

What is the point of closing disclosure and all the communication when a Loan Office can not give final XXXX right before the closing date? 

Thanks, XXXX
Consumer complaint received 2024-02-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (MI)

To : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, XXXX XXXX Subject : Formal Complaint against Consumer ADJ CO Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Consumer ADJ CO for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Consumer ADJ CO placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with Consumer ADJ CO, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Consumer ADJ CO provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement XXXX contain clauses stating that the data being purchased might be inaccurate. If Consumer ADJ CO is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with Consumer ADJ CO is blatantly false. I neither received any services or products from Consumer ADJ CO nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 
Moreover, it has come to my attention that Consumer ADJ CO is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 

The actions of Consumer ADJ CO constitute clear violations of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 
Please keep me informed about the progress of this complaint, and want to thank you for your time! 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

We had some really bad weather a few weeks ago which caused several issues with my orders being delivered, products were delivered damaged/faulty. 

Accompanied with the fact that many of the boxes were open when I got home, Home Depot representatives falsely stated that the product was not received after I clearly stated the products were damaged. They also claimed that they credit my account, but my account balance never changed.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BARCLAYS BANK DELAWARE (CT)

On XX/XX/XXXX, I opened a savings account with Barclays Bank. I transferred funds of {$500.00} to open this account from my XXXX XXXX XXXX XXXX account. 

Shortly after opening the above account with Barclays, I attempted to deposit a check to that account. Apparently this started off a big problem. I was locked out of my account and could not access it on line. I called customer service and on that initial phone call ( sorry, do not have that date, but it was in early XXXX of XXXX ) I was told that a fraud alert had been put on the account, and the account was now closed. That person told me that the {$500.00} would be returned to my credit union account. That did not happen. 
Since then, I have now made 4 subsequent calls to Barclays Bank and have been told different stories each time. 

XX/XX/XXXX I was told by XXXX at Barclays that the account had NOT been previously closed, as I had been told, but was still open but " locked. '' At that time, getting frustrated, I told him to close it and transfer the money back to my credit union account. He said he did that, and issued a ticket number. He told me the money should appear the following week. It did not. 

XX/XX/XXXX Follow up call made -- The representative assured me the account was closed and the money should be in my XXXX account, and if it wasn't, it was the fault of my credit union account, not on Barclays end. I then called my credit union and they spent a good deal of time searching for this deposit that never happened. They said it was definitely not sent, and I needed to call Barclays to pursue further. 

XX/XX/XXXX Call to XXXX at Barclays : I was told the funds were definitely transferred on XX/XX/XXXX, and they should show up in my credit union account by XX/XX/XXXX or XX/XX/XXXX at the latest. They did not. 

XX/XX/XXXX Final call to Barclays : I asked to speak with a manager or supervisor and was told that was not possible, but that I had to create a ticket and will receive a call back in a few days. I proceeded to explain the whole story once again, and this person told me that it will take up to 90 days to receive the funds back in my credit union account. 
He then created a ticket for a manager to call me, but disconnected the call before I was given the ticket number. 

I feel that 90 days is excessive for one thing, but my bigger issue is getting different stories every time I call. At this point I have no faith or trust that my money will ever be returned! 

XXXX XXXX
Consumer complaint received 2024-02-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (FL)

my daughter and i share a checking account. She has her own savings account, all with BMO Harris Bank. 
This past XX/XX/XXXX, fraud was found on her account with someone attempting to cash a {$4000.00} check. While the bank caught this transaction, they froze her account to conduct their investigation. They found it was in fact fraud and their way of solving was to cancel all her accounts completely and send refund checks to an old address. We were informed the checks were sent XX/XX/XXXX and would take 6 weeks. My daughter had to verify her ID to which she did by email. It is now XX/XX/XXXX and now the bank states the checks were never sent because of my daughter needing to verify her ID. She has done this 3 times now and now the bank doesn't know where the money is and if the checks exist. 
My daughter is away at college in XXXX  and does not have access to any money. My family is now distressed and trying to pay her bills because she has no access to her money that was needed for college. This is causing a major hardship and BMO customer service is terrible in trying to assist us. 
I don't know what else to do. And I refuse to continue to live on a credit card to pay her bills. Consumer is getting bullied by big banks.