davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TENET HEALTHCARE CORPORATION (NC)

I have XXXX accounts from CENTRAL FINCL CONTROL all dated XXXX 2016 that reflect debt that I did not create.I have made several attemps to contact them in writing and by phone and have been unable to get an answer as to what they are for and have stated to them that they are not my debts.
Consumer complaint received 2016-07-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP (UT)

I had a mortgage with Key Bank and in 2013 I settled the account with them and it was complete XX/XX/2013. They are still reporting that I owe a balance and it should have been XXXX once the payment was completed. It has affected all my financing since 2013 due to this fact.
Consumer complaint received 2022-11-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: M&T BANK CORPORATION (MT)

Company : M & T Bank Date : Week of XX/XX/2022 Amount : ~ {$1000.00} Action : I have spent hours on the phone with M & T Bank trying to transfer funds to complete a bank to bank transfer. Their customer service is terrible and I do not recommend banking with M & T. 

At first they did not know why my bank to bank transfer wasn't going through on my online account. Then they told me information was not matching up, but they didn't know why because my account numbers were. I suggested it may be because my middle initial was not present in the M & T account ; they agreed this could be the issue but refused to add my middle initial to solve the problem. I called my other bank receiving the transfer, and they changed my middle initial immediately to match up with M & T. Then, I tried logging into my M & T account ( as their staff instructed me to do ) and I was locked out of my account for " security reasons '' despite inputting correct credentials. 

Throughout this process, I have had to provide security codes over and over to log in to check if the transfer would go through. I've been on hold for several hours ( over 30 minutes and waiting with a current call ). M & T service is terrible and I am concerned they are not allowing me to transfer funds since I told them I would be closing my account afterwards ( after moving to a different state ). I have followed all their instructions and they have put up every roadblock they could along the way.
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company (AZ)

We applied for a mortgage with DHI and received an initial Closing Disclosure XX/XX/XXXX. Our closing was moved to XX/XX/XXXX and we never received an updated Closing Disclosure. I reached out to the Loan Officer, XXXX XXXX, on XX/XX/XXXX asking for an update and a revised Closing Disclosure. She informed me I would receive XXXX on Monday XX/XX/XXXX. We never received any documents. On XX/XX/XXXX I asked XXXX again when we could expect an updated Closing Disclosure with no definitive answer. On XX/XX/XXXX, XXXX day prior to our closing, I reached out to XXXX asking for a Closing Disclosure for the third time. I informed her we did not feel comfortable moving forward with closing with only verbal closing amounts over the phone and that we would need to see a Closing Disclosure by the end of the day to move forward with closing the next day. A Closing Disclosure was never sent.

As circumstances had changed after the initial Closing Disclosure was sent, a revised Closing Disclosure should have been provided 3 days prior to closing. There was more than enough time between XX/XX/XXXX and XXXX to do so.
Consumer complaint received 2017-10-10
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. (CA)

XXXX XXXX, 2017, is when I last sent this company a letter disputing several incorrectly reported items on my credit report. I also request that Liens ref numbers : FEDERAL TAX LIEN Ref # XXXX, FEDERAL TAX LIEN Ref # XXXX. Verified with the courts last XX/XX/XXXX, that these liens have been withdrawn. No citation of my name, SSN or DOB. Please reinvestigate properly all the items I have disputed, from the inaccurate account opened date, highest balance, status, inaccurate payment history. Please conduct a proper investigation and remove these items from my credit report.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (CA)

I am reporting all accounts on my credit report that are inaccurate I have no acknowledgment of these accounts I reported this several times and the credit companies still arent removing this off my of my report causing My credit score to be low.
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Fay Servicing, LLC (FL)

Ever since I did my home modification with this finance institution its been problem after problem. 
1. After settled and signed loan documents with a fixed %, the account manager called me that they made a mistake on the calculations and now they have to increase the %. At that time I accepted, I did n't know that was illegal. 
2. I shopped around for insurance, do my inspection. The escrow department decided that my house was not house and I did n't need the insurance. But, no one tell me that. I had a claim on XXXX 2015 called an adjuster, and they told me that I did n't insurance. 
I called the bank, and after many calls they handled the claim through their insurance. 
3. The insurance finally paid. I summited that an estimate from my General Contractor, they sent a check for XXXX % of the estimate. Later when the job was almost done they sent an inspector that took 3 weeks to get back to the bank to said now that I have only completed XXXX % of the work. The problem is that I lost track of many calls and emails send in order to get the result of this inspection, and now they come and say this. This is unacceptable. 
Last Thursday after many calls with them I got into a crash, XXXX. XXXX. 
This has affected me in so many ways, health, economy, etc. 
I hope you can help or help other customer. 

Regards, XXXX XXXX
Consumer complaint received 2021-10-30
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. (FL)

I attempted to reach out to this private owned student loan company to fix my issue regarding my payment history. I advised that it was impacting my credit score tremendously and my account is currently current and it is in deferment status because I am currently in school. The company refused to update my account to remove the delinquent payment status history. I advised them during those times I was working minimum hours or sometimes no hours at all. Once a time I was out of work and they work not willing to work with me only to receive some type of payment and pushing my account back further. The company doesnt try to assist with their customers or consider their situation and whats going on. We were even involved in a pandemic and I was one of the people who lost their job and they kept calling about a payment after I advised I was out of a job and trying to figure out my next plans. At this point I felt like I was being harassed, being constantly emailed, phone calls, voicemails, and even letters in the mail. The company does not care about their clients. I tried to advise them i was attempting to buy a house for me and my XXXX kids. Im a single mom and they delinquent status from them is heavily impacting my credit score. The dates are listed as followed : XXXX, XXXX, XXXX and XXXX of XXXX and XXXX, XXXX, and XXXX of XXXX. I have contacted the company multiple times. I even have emailed the CEO of the company. Nothing has taken place.
Consumer complaint received 2020-02-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: FORD MOTOR CREDIT CO. (TX)

On XX/XX/2020 I entered into an agreement to buy a vehicle for {$18000.00} at XXXX XXXX XXXX  XXXX. I was shown the price in writing although I was denied a copy of the agreement. After waiting hours, I was taken to the finance office. I was talked through options on terms. I agreed to a 60 month loan. The loan officer then digitally initialed all the paperwork, I did not, and printed off paperwork. The paperwork was then placed in an envelope and sealed before being given to me. When I checked the paperwork ; the price had been changed to {$21000.00}, a {$2600.00} maintenance plan was added, and the terms were increased to 72 months. 
This occurred at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (CA)

I am reporting all accounts on my credit report that are inaccurate I have no acknowledgment of these accounts I reported this several times and the credit companies still arent removing this off my of my report causing My credit score to be low.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

We have had a business checking account at Wells Fargo since 1993. In fall 2022, Online Banking flagged me to visit a branch to update our records. At that time, we found over the years and through the mergers, our corporate bank account was a complete mess. The signature cards didn't come over correctly and there were no up to date documents. The local branch and myself set out to fix the account to get everything up to date. I had my corporate book, stock certificates, original signature cards prior to the merger, etc. Basically I had all the docs they needed on hand. It has taken months to get through this process. During this time, our office moved on XX/XX/XXXX and I put in a change of address. On the Wells Fargo back end, this created havoc in their system and started rejecting documents because the " address didn't match ''. So we work through that and sign Multiple beneficial owner documents because the back end kept rejecting it. The latest was rejected for a comma. Seriously, a Comma. Keep in mind all of the documents were prepared by your in branch staff, who have proven to be very capable and have stayed on top of these documents. On XX/XX/XXXX Wells Fargo freezes the account with absolutely no communication. This return all deposit and debit transactions and I have no access to the funds. The in branch staff have been helpful and have followed up a XXXX times over with back office with no favorable results. My account is frozen and no one can help. 
Absolutely no one cared about our account for 30 years. No one called, wrote, or tried to contact us to update the account and it results in the bank freezing our account. I have the scanned documents, I have proof with the branch associates. I have provided every single piece of information requested and our account gets frozen. This entire debacle has cost me and my company time and money. I have customer payments being returned and I have our vendor payments being returned. This is going to take so much effort on my side to untangle and the only people at Wells Fargo that care are the branch associates that have worked with me to try to fix their system with no success.
Consumer complaint received 2022-10-16
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: Real Time Group, Inc. (SC)

XXXX when I was going through a nasty divorce my ex husband took out this account. He had all of my information and I knew nothing about this account. I have reached out to this company RealTime resolutions several times but they could care less about my issue. XXXX is the only credit reporting agency that want remove this account. It is now XXXX an in accordance with the fair credit reporting act this creditor has violated my rights under XXXX5 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section XXXX it also states a consumer reporting agency can not furnish an account without my written instruction under 15 ISC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Americas Car-Mart, Inc. (TN)

I purchased a car from Car-Mart . This car loan company has aggressively collected against me since I purchased the vehicle. They have threatened me with going to jail for no payment stating they had a warrant for my arrest during 2020. This company has contacted my employer, and family repeatedly to the point they have had to block Car-Mart. I have been harassed day and night with repeated phone calls and text messages to the point I had to change my phone number recently just to stop the phones calls. They have put tags on my car for balance due that are not related to the actual note for {$25.00}. They use the tracker they put on my car to show up wherever the car parked and at times this occurs on other people property. I am tired of the collection practice of this business, but I owe them money for this vehicle if I return it will affect my credit. But I can not take the harassment anymore. I am not over 30 days late with a payment this car is not the best vehicle either, but I must pay this loan off. I am starting to develop anxiety issues and stress because of how they are conducting business. I pay my note and that is what is required. I am not in a repossession status my car note is current, but I am not paying the late fees on this account because they only give me 3 days to pay of which one is Sunday when they are not even open which makes me late by Monday. I have written emails, to management, and spoke with several representatives about how they are collecting against me. I can not do this anymore I need help. 


Sincerely Concerned
Consumer complaint received 2019-12-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

We have called XXXX to try and resolve this issue, they refuse to resolve this issue and are violating fair credit reporting rights and screwing up my credit. 

The whole situation started when a relative who has NO INTEREST, NOT ON TITLE, NOT ON THE LOAN, had filed bankruptcy in XX/XX/2016. My first lender XXXX some how included me in the Bankruptcy and stopped mailing statements, and the 2nd mortgage did the same thing. This has gone on for almost 2.5 yrs. XXXX refused to talk to XXXX about the situation. 

I have never filed bankruptcy nor before this issue have I had any issues with my credit. 
XXXX has resolved the issues and fixed my credit back to 100 %. XXXX has refused to work with me on this matter causing me financial hard shop and making it so I am unable to refinance my loans, causing my credit score to go lower.
Consumer complaint received 2022-10-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: eMortgage Funding LLC (FL)

E mortgage funding LLC XXXX ID # XXXX XXXX XXXX ( on paper work not sure who that is ) but was dealing with XXXX XXXX eMortgage Funding XXXX # XXXX A home inspection was done on the property of which I paid {$600.00} dollars for outside of closing prior to closing date. This amount was not shown in the final closing statement in column POC so this did not come off of my closing cost Second- appraisal was also paid out side of closing as shown on closing disclosure and I did not receive a copy of my appraisal 3 days prior to closing and still as of yet have not gotten a copy. Ive contacted the company on numerous occasions and XXXX for a long time and have never received a response from anyone. Id like a copy of my appraisal and a refund of {$600.00} from my home inspection. My closing was on XXXX XXXX  and still yet to receive a response from anyone after attempting to contact over and over again in regards to these matters.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (KS)

I disagree with the information provided by Experian ( CFPB complaint ID No. XXXX ). The similar complaint with XXXX was handled differently. 
XXXX Complaint CFPB Id number is XXXX. XXXX deleted the information as it is inaccurate. The response by XXXX is given below : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. 

FURTHERMORE, I REQUESTED EXPERIAN TO HAVE CURRENT AND CORRECT ADDRESS AND OTHER INFORMATION ONLY AS I AM AFRAID OF IDENTITY THEFT. HENCE, I REQUEST EXPERIAN TO HAVE ONLY MY AUTHORIZED ADDRESS FROM MY STATE ID AND ONLY RECENT PHONE NUMBER. I REQUEST THEM TO REMOVE ALL MY PREVIOUS UNNECESSARY INFORMATION TO PROTECT MY PERSONAL PRIVACY THROUGH APPLICABLE LAWS.
Consumer complaint received 2022-11-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MA)

On XX/XX/2022, I went to my bank and got a loan for an early lease buy out on a hyundai XXXX. We signed all the paperwork and the bank said all we have to is wait for hyundai to release the title so they can register the vehicle for me. The vehicle was originally leased by me and my daughter, it was registered in her name but she didnt want to continue the lease and bought a brand new hyundai and I decided to get a loan and buy it out early. Hyndai has very poor communication when I call, which has probably been 30 to 40 times in the last couple months, each person I speak to at Hyundai tells me something different or just the wrong information or not what the next person tells me even when calling five times in one day. My bank has called twice and has faxed Hyundai the paper work they claim they still need even though they have everything and have been paid fully by the bank and I have already been paying on my loan on my car that I cant register. It is still registered in my daughters name and now that she has moved away and she cant change her address because you cant have two vehicles registered and insured by the same person with two different addresses. The insurance is up in XXXX, her registration was up in XXXX for which we had to reregister it in her name, which I paid for and I have also already paid for my bank to register once they get the title. I have read numerous amounts of complaints against for the same problem and I work with somebody who paid off their car loan with hyundai, two years ago and still they dont have the title! I dont known what else to do, but I need that title now. This company is criminal for what they do to consumers! Please send me my title!
Consumer complaint received 2017-10-10
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAROLINA FINANCE, LLC (NC)

I purchased a vehicle from Carolina Finance in XXXX. Voluntarily surrender the Vehicle XXXX due to financial difficulties. My rep was XXXX. He agreed that I voluntarily surrender the vehicle which I did. 
He advised me the car would be auction off. the acct charge amt on my credit report is XXXX written off XXXX past due as of XXXX XXXX still reporting on my credit report. 
I contacted Carolina Finance on XXXX XXXX XXXX I spoke to rep XXXX in the XXXX branch she advised me after researching that there is no information in regards to me having an acct. XXXX transferred me to the XXXX branch, where I spoke to XXXX. Per XXXX there in nothing on file in regards to an account for me. she stated she was pulling up one Account with the name XXXX but social security did not match. I explained i was on my credit report she could not give me any other way to proceed about how she can help get this off my report with refusal to write the bureaus for me. XXXX XXXX XXXX
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is at it again. They have began charging unjustified overdraft fees again. I was charged {$35.00} for supposedly paying for a transaction that I did not have funds to cover. I did not sign up for an overdraft program. I was promised that if no funds were available the transactions would simply be declined. I checked with the bank that supposedly received the money and they said Wells Fargo did not approve the transaction. Wells Fargo did not pay XXXX XXXX but wont return it to me either then on top of that is charging me XXXX $
Consumer complaint received 2022-08-13
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. (MO)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please re-investigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please re-investigate and update or delete these disputed items. Please forward me the name and address of the persons contacted. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$230.00} XXXXXXXX XXXX XXXXBalance Owed : {$2200.00}