davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (CA)

I am the financial power of attorney for my elderly father. I am appalled at how poorly this company handles legal documents. My power of attorney has been faxed to Ally financial 3 times. And they claimed to have lost it 3 times. My father had bought his granddaughter a used car. And she was paying the monthly note on the vehicle. The loan is through Ally financial. They would refuse to accept her payments over the phone and hang up on her. Even after being added as a authorized person ok n the account. When covid 19 started at the beginning of the year she received a letter from Ally that they could defer payment due to covid hardship. In Late XXXX she was laid off because of covid. She called them to ask for hardship assistance. They told her that they could not talk to her about the account and hung up on her. She tried many times to resolve this issue they denied her access to bill pay option. when she had money to pay them. And on XX/XX/2020 a unmarked tow truck with no info or dot numbering came and took her car. The tow people wear rude hostile refused to give a business card. They told us not to call the police until 15 mins after they left. Which sounded shady. Plus they didn't show any paperwork or documentation. I also learned that this company has been doing a lot of this and has a lot of lawsuits towards them during covid 19. Also besides the monthly statements we never received a certified letter. Just the one the is uploadedthat is dated XX/XX/XXXX. That we received on XX/XX/XXXX.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent letters out certified over 60 days ago, and have not be notified. as a consumer I feel like these XXXX are taken advantage hard working normal people.
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (ME)

I was referred to XXXX XXXX @ loanDepot On XXXX I applied for a loan with loanDepot because I XXXX told me he could lock my rate in at 2.875 %. I e-signed all documents and sent in required documents for underwriting. I received a commitment letter on XX/XX/XXXX from XXXX XXXX. XXXX XXXX called me on XX/XX/XXXX to let me know he was leaving the company and that XXXX XXXX ( processor ) & XXXX XXXX ( manager ) would be assisting me to closing. Then I received another XXXX to e-sign changing the the loan terms to a 30 fixed with a higher interest rate of 3.25 with {$11000.00} in points NOT WHAT I SIGNED UP FOR. I was told the product wasn't available due to the economic crisis caused by the corona virus. I feel this a bat & Switch and would like help getting what was promised to me in the commitment letter I received.I asking XXXX XXXX how they could lock my rate in & give me an approval letter & then change their minds after I gave them everything they requested and paid for appraisal. He said he would get me the 2.875 % on the XX/XX/XXXX arm but needed just few more item on the XXXX of XXXX. I had to pay my accountant to get the last items he said they needed to get my loan closed. I got him everything the next day Friday XX/XX/XXXX. On Monday of XX/XX/XXXX he sent an e-mail stating he's been beat up enough on my loan and wasn't going to do it but having said that he found someone that could. He wanted to e-mail all my income and asset documents to some guy at another bank. I said no and asked XXXX XXXX to help me at his new company. 

I have done many mortgages and business transactions and have never been treated so unprofessionally. No return call lies & failure to follow the practices required to be a loan office with regards to issuing proper notices handling of my personal document. 

He's actions cost me around {$5000.00} so I did ask him to reimburse me he as yet to.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have been trying to get information from the bureaus about my credit file. The are not responding to my request and it has been almost 4 months and 2 request made within those 4 months.
Consumer complaint received 2020-05-06
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. (MO)

On XXXX XX/XX/19 I had five different inquires for loans using my information they got off XXXX website when I bought a gift. XXXX was able to put a stop to them and the loans never went through. I thought the situation had been closed and I then put a freeze on my info to protect my identity further. 

My fiance and I are merging bank accounts and he contacted his bank ( XXXX XXXX in XXXX XXXX, MO ) and tried to add me on his bank account. The employee said my name popped up on a list and I needed to get a XXXX report. I did and it listed the 5 fraudulent inquires that happened in XXXX. The bank told me they need to come off the report in order to be able be on the bank account. I contacted XXXX and they called the companies and they said they can't remove them. I needed to contact identitytheft.gov. I did and they said since the loans didn't go through I needed to contact this website to have them removed from my report. 

All on XX/XX/19 1. XXXX XXXX on Behalf of XXXX XXXX 2. XXXX XXXX on behalf of XXXX XXXX XXXX 3. Datax LTD on behalf of XXXX, XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX on behalf of XXXX XXXX XXXX 5. XXXX XXXX on behalf of XXXX XXXX XXXX XXXX let me know what I need to do in order to remove these off my XXXX  XXXX report. 

Thank you, XXXX XXXX
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2020 I applied for a mortgage with JP Morgan Chase. I completed an application online and was contacted by a processor who asked me questions and completed the application which he then sent to me for electronic signature. In my review of the application I noted various errors, so I sent an email to the processor to get them corrected. The most serious of these errors was in the assets section of the application. The processor had listed a property that I was in the process of selling as my asset, which was correct, but he had then listed the equity in that property as an additional asset which he called " Sale of personal property '', which resulted in an overstatement of my net assets of {$140000.00}. I attempted to address this with him, but he insisted that the amount be put there to show that I had the requisite assets to pay the down payment on the loan. I refused to sign and told him that it needed to be corrected. The processor then changed the name to " Real estate asset '' and left it there. I then brought the manager into the conversation, and he emailed me to say he would review it with the processor. I later received an email from the processor that said the application was completed correctly and they could not proceed without my signature. I then went elsewhere for my loan because I will not sign an application which is incorrect.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

Equifax this week admitted that it misreportedsome consumers ' credit scores, affecting applications for mortgages, auto loans or credit cards. 

The XXXX XXXX XXXX on Tuesday reported that, between XX/XX/XXXX and XX/XX/XXXX, the company sent out millions of incorrect credit scores for consumers Under 15 USC 1681 a number 3. You assumed this role without permission not only that you did not have my consent. 
Under 15 USC 1681 a number 4. You did not exercise your grave responsibility you were unfair, you were partial and you did not respect my right to privacy You never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have been requesting information from the three credit bureaus for months now and they do not respond. I have started in XXXX of this year and several request were sent to them. First one XX/XX/XXXX, second one XX/XX/XXXX third one XX/XX/XXXX, most recent XX/XX/XXXX still nothing! Now due to the covid XXXX I spoke with XXXX and they were extending my payment due to circumstances. They reported it as a 30 day late and when I talked to them they said I needed to contact the bureaus and that they will resolve it. Really I can't get the bureaus to respond since XXXX. Long before everything shut down.
Consumer complaint received 2022-08-05
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. (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SELF FINANCIAL/LEAD BA can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If SELF FINANCIAL/LEAD BA reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2021-01-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (MN)

XX/XX/XXXX Went to US Bank, to get my bank statement on my closed account, also i have other account there, they charged me {$6.00} for each month ( I ask 6 months {$36.00} ), and they ask cash only, they don't let me use other account to pay, i have to take money out, they want cash only, after i payed they just give back my ID, no receipt, i ask them give me a receipt, reluctantly give a receipt, on the receipt transaction type is : miscellaneous fee. 

30 mins late still didnt get email from US Bank, so i call US Bank service ( XXXX ), they send me the statement by email with no charged, i ask the US bank service do i have to pay for the statement, the answer is no. so i go back to US bank, ask them why i have to pay for the statement, was three different worker tell me they always charged for statement, doesnt matter the account is open or closed, doesnt matter print or email, and whatever the us bank service said is not truth, they don't want to return the {$36.00}, why the us bank want cash only? why the receipt transaction type is miscellaneous fee? 

I was closed my account around XX/XX/XXXX, maybe overpay to my credit card or other reason, still have {$240.00} in the closed account, i go to the bank ask for help, they tell me 'they can't help me, i have to call the credit card company. 
U.S. Bank XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Branch : XXXX I just want to know if this bank violated the rules and charged fees that should't be charged, thanks.
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (FL)

XXXX XXXX XXXX XX/XX/2020, XXXX XXXX  to support To whom it may concern, I have never ordered anything from your website. I have informed my bank that the XXXX charged to my account is fraudulent. Please return XXXX to my cre. 

XXXX XXXX Customer Support XXXX via XXXX XXXX XXXX, 2020, XXXX XXXX  to me Thank you for contacting Customer Support. 

Your account with us is closed, you may consider this message as confirmation of cancellation. 

Additionally, you disputed the charges with your bank, and therefore they will provide any refunds, if necessary. 

For further inquiries or to make changes to an existing order, please call ( XXXX XXXX XXXX to speak with a live customer service representative. 

Our courteous and efficient staff is available twenty-four hours a day, seven days a week including all Federal holidays ; please understand that hold times may vary depending on call volume during peak hours. We can assure you that all of your questions and/or concerns will be resolved, and you will be completely satisfied with our outstanding service. 

Thank you, Support
Consumer complaint received 2020-07-22
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. (PA)

On XX/XX/2020 I contacted Equifax to have some hard inquiries remove that I did not authorize Equifax told me to call the creditors so I proceeded to call the creditors they told me to call Equifax so I contact Equifax second Time Equifax They told me to give a police report so I got a police report and all of the supporting documents and fax them in on XX/XX/2020 I never got a response I called to talk to a representative and they told me that they receive my police report and all my documents These are the Fraudulent hard inquiries XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (RI)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (CA)

I had a credit card with XXXX  XXXX XXXX around 2-3 years back. I paid what I owed and claimed identity theft because my ex-husband was using my credit card afterward. It's been two or three years since that credit card account was closed. I already filed several claims as well in XXXX XXXX XXXX as well. Now, I have some collection agency under Credit Control , LLC from Missouri that claims I owe {$2400.00} to XXXX  XXXX XXXX and that they'll take that money from my accounts. They've repeatedly called and mailed me to pay them the money.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Company Inquiries : 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 XXXXXXXX XXXX
Consumer complaint received 2019-08-29
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: MARINER FINANCE, LLC (MS)

On XX/XX/XXXX, I received a personal loan from the XXXX XXXX, XXXX branch of XXXX XXXX XXXX. On XX/XX/XXXX, my wife and I filed Chapter XXXX Bankruptcy which included that loan. The bankruptcy was completed on XX/XX/XXXX, and the loan is being properly listed on my credit report as Chapter XXXX Bankruptcy. 

However there is another loan listed on my credit report under Mariner Finance. It was also reportedly issued on XX/XX/XXXX, with a last payment made date of XX/XX/XXXX, the exact dates reported by XXXX XXXX XXXX. This loan is being reported as Unpaid Balance Charged Off. I have never applied for or received a loan from Mariner Finance, and certainly did not apply for or receive two entirely different loans on XX/XX/XXXX, as is currently claimed on my credit report. 

In XX/XX/XXXX, XXXX XXXX XXXX merged with Mariner Finance , LLC and on XX/XX/XXXX, the company became known as Mariner Finance. It appears that sometime between the merger and the final discharge of the debt, the account was transferred from XXXX XXXX XXXX to Mariner Finance, resulting in a new account number. That doesn't make it a new loan or change the fact it was XXXX, however. 

On XX/XX/XXXX, I submitted an online dispute with XXXX, identifying the duplication and noting this was likely the same loan reported twice. On XX/XX/XXXX, I received a reply claiming the accounts were verified as accurate. I'm not sure how it was verified, but someone, somewhere, is mistaken. 

I contacted the main office of Mariner Finance on XX/XX/XXXX, to correct this error. I spoke with XXXX and explained the problem, and was transferred to XXXX at the XXXX XXXX, XXXX branch. After I explained again, XXXX told me that her manager, XXXX, was out of the office but would return my call the following day. On the XXXX, my wife spoke with XXXX, and explained the situation yet again. He stated repeatedly there was nothing he could do and claimed if XXXX was saying it was verified, then it must be accurate. He suggested we contact an attorney if we had further questions. 

I am trying very hard to make sure my credit report is accurate and have hit a brick wall here. On XX/XX/XXXX, after my wife spoke with XXXX, I contacted XXXX by phone to dispute their results and still have not received any indication that they are doing anything to correct this problem.
Consumer complaint received 2020-07-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (MD)

I paid {$5000.00} into the persons account at M & T for car purchase since XX/XX/2020, till date my car wasnt delivered, either was my money refunded since then till date I keep calling no response, Im just been ignored I call everyday, text Nothing changed ... The person name is XXXX XXXX with account number XXXX M & T bank, phone number XXXX
Consumer complaint received 2020-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SOUTHERN CASCADES FINANCE CORPORATION (WA)

XXXX XXXX of XXXX wa on Saturday tryed to get a loan for a truck they told me the loan companey had tomaney apps to prosses could not get an answer on the loan then the following monday they said Southern cascade of XXXX Or has my loan I sighned nothing with southeren cascade then southern cascade I asked for copy of contract I signed with them they said they didnt have one then they a month later sent me via email the contract with XXXX XXXX of XXXX WA they have nothing with my signature on no contract or anything I said I needed a contract with sutherne cascade mailed to me they told me no this is a fraud contract they have no proof I agreed to there contract with southern cascade they keep sending me copys of the agreement with the dealer ship to try and find me a lender so I can look at the offer never talked to them again then found out the Lending comaney is part of XXXX XXXX of XXXX and there is 13200 complaints of fraud accounts on southern cascade and XXXX XXXX of XXXX and Orgon lots on XXXX
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX  XXXX {$0.00} XXXX XXXX {$700.00} XXXX XXXX   XXXX {$1800.00}