davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I Purchased a new XXXX XXXX on XX/XX/2012 from a dealership name XXXX XXXX XXXX in XXXX. The car was financed with Santander Consumer USA. I did not have good credit at that time and my interest rate was around 20 %. The problem is that I have made about 37 months worth of payments which total around XXXX to date. And I only paid down about XXXX in the principal balance. I am taken advantage in a NON simple interest loan. 

Based on a standard amortization schedule. My current balance should be around XXXX-XXXX. I dont know how XXXX worth of payments went towards interest and XXXX went to the balance. 

I was forced to purchase something called GAP insurance sold by the dealer. The dealer stated that it needed to be purchased or the lender wouldnt lend on my loan. 

Please help and investigate! I am sure there are thousands of people taken advantaged of like my situation. Very grateful for the CFPB!!!
Consumer complaint received 2016-10-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Beginning in XXXX and for about two years thereafter, Bank of America repeatedly canceled our XXXX card and issuing me and my wife new ones. The claim each time was that BoA had been hacked and they were doing this in order to protect us. I estimate this happened 5 or 6 times. 

But it just came to light that XXXX XXXX was doing something similar in order to make it look like they were selling more services, so I am suspect of BoA 's true intentions. 

To be clear, this did n't cost me anything and I do n't believe it affected my credit rating. It was just a hassle, and it actually proved to be counterproductive to BoA as we began using a different card for all purchases, minimizing our usage of anything BoA-related.
Consumer complaint received 2016-12-08
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Consumer Portfolio Services, Inc. (FL)

I was a co-signer for an elderly individual-Applied for an auto loan through XXXX XXXX, the loan was transferred from XXXX financing company to another, without our approval. After the smoke had cleared we found out a second third party company XXXX as Consumer Portfolio Services had financed the loan. the initial loan was for {$10000.00} plus to finance the vehicle in early XX/XX/XXXX-The vehicle was paid up according to our records, however, XXXX stated there were additional interests in excess of {$5000.00}? What loan sharks!!! Our monthly payments were {$280.00}, however, only $ XXXX {$100.00} monthly were actually applied to the actual loan. When inquired about it, the company reps stated it was normal procedure. In reviewing our monthly payments, we discovered XXXX would intentionally post our payments late in order to justify charging additional interests and fees. When we paid by money order they would state they did not receive the payment until a week later, yeah right. When we made payments online we were forced to pay additional fees through XXXX XXXX, and the payments were still posted late. We challenged this and got nowhere with this company. There is additional info which I will upload, however, in short we were ripped off by this company and XXXX Automotives whom we thought we were dealing with initially. There were constant mechanical issues with the car, we called several times to complain about it, we were told our problem now. In addition to paying off the truck, we lost a lot of money in repairs, new tires, motor issues, etc ... The last payment made to XXXX was in XX/XX/XXXX for $ XXXX course they did not apply that amount to our account. In early XX/XX/XXXX XXXX finally picked up the vehicle, sold it, and stated, we XXXX or XXXX not receive a refund based on the amount received at the auction. In XX/XX/XXXX, a payment of {$1500.00} was posted to our account, shortly thereafter, XXXX contacted us to tell us they sold the car and we still owe them in excess of {$5000.00}? Really? We have no idea what XXXX actually received for the vehicle, they would not release that information in writing. Okay, so never mind the fact that we had already paid for the vehicle ( excluding their outrageous claims of excess interests charges & fees ) in addition to all of the money that we spent in mechanic fees/repairs. They did not care. These people have been constantly calling and harrassing us and have reported these fraudulent charges to credit agencies, this makes us furious. in XX/XX/XXXX The FTC fined XXXX XXXX https : XXXX ) It does n't look like anything has changed. At this point we do n't know where to turn. Thank you for taking the time to listen. We appreciate any assistance that you can offer. Have a blessed day.
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TN)

I have been in my home over forty years. I need to refinance my mortgage because of my interest rate is adjusted out to 10.29 per cent. I do n't want to loose my house. I 've submitted a modification request and financials several times. They refuse to modify my house. There is a property foreclosure sale set for Property foreclosure sale
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I am the victim of identity theft. I disputed an account wrongfully reported on all three of my credit reports multiple times with each of the Credit Reporting Agencies and the creditor directly. I have previously provided police reports to substantiate my claim. Each time I receive a canned response : " We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. '' Yet the CRAs nor the creditor provide documentation *proving* they validated the information, despite my including a copy of my police report when I disputed the account.
Consumer complaint received 2017-07-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/2017, Chase called me and told me I was behind on my payments on my HELOC and the total owed was now {$450.00}. My regular monthly payment before that had been {$100.00} per month. So, I gave them my account information and allowed them to debit the amount specified even though I did n't think that was true.
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After that, I thought everything was fine and that I was all caught up with them. The next time, I met with my financial counselor, I saw my credit report and saw that my credit score had dropped over 100 pts! I then went to Chase and spoke to them in person about the issue. The representative said that they would fix the issue and that it was a mistake on their end.
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Today, I reviewed my report again, and saw that they had marked me late for over 30 days in XX/XX/XXXX, which is not accurate.
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Due to this, they have also increased my APR to 7 % and increased my monthly payments.
Consumer complaint received 2017-01-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc. (TX)

I was a victim of identity theft and noticed a collection from NATIONAL CREDIT SYSTEM I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NATIONAL CREDIT SYSTEM in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

AFFIDAVIT OF DISPUTE AND NON-CONSENT XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date : XX/XX/2024 To : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX, GA XXXX RE : Dispute of Unauthorized Information on Consumer Report Dear Sir/Madam, I, XXXX XXXX XXXX , hereby submit this affidavit regarding a matter of urgent concern. It has come to my attention that [ specific account or item ], identified by [ account number or reference number if available ], has been reported on my consumer credit report. I contend that this information was furnished without my consent and is therefore in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( b ). 
1. Statement of Facts : * I did not provide any authorization or consent for the reporting of the aforementioned information on my credit report.

* The inclusion of this information on my consumer report is a violation of my rights under 15 U.S.C. 1681a ( b ), which stipulates that consumer reports must only include information relevant to the consumer 's creditworthiness, and that such information must be reported with the consent of the consumer.

2. Request for Action : In accordance with 15 U.S.C. 1681i, I am requesting that the disputed information be investigated and removed from my credit report immediately. Please provide written confirmation that this information has been deleted and that my credit report has been updated accordingly.

3. Supporting Documentation : Enclosed are copies of my recent credit reports from your respective agencies highlighting the disputed entry, as well as any other documentation that may support my claim. 
4. Contact Information : Please contact me at XXXX or XXXX should you require any additional information or documentation to expedite this matter. 

Thank you for your prompt attention to this serious matter. I trust that you will address this issue in accordance with the provisions of the Fair Credit Reporting Act and ensure that my credit report is accurately and fairly maintained. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY (FL)

I went into a wells Fargo branch to open a bank account and credit card. The wells fargo banker kept pushing to sign me up for a cash wise credit card. I TOLD HIM I DO NOT WANT THE CASH WISE CARD. I wanted the signature rewards card. after we were done he said he signed me up for the cash wise card but I can switch the card after I get it. I made a whole commotion and started yelling at the banker until the branch manager came and said that after I receive the card I can call up and switch the card. I got th card today and called up and they refuse to switch the card.
Consumer complaint received 2016-09-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

Let 's refer to complaint XXXX.Wells Fargo responding to a firm we hired to aid in the loan mod process stonewalled that firm for a long period of time.A complaint was filed XX/XX/XXXX move the process along WF response , ask for 60 days.On XX/XX/XXXX they moved for summary judgement.On XX/XX/XXXX they notified our firm l/m had been granted, and confirmed that onXX/XX/XXXX,4 days before having the court grant it.They again confirmed the L/M XX/XX/XXXX.IS THIS NOT CLASSIC WRONGDOING AND DUAL TRACKING!?
Consumer complaint received 2016-04-08
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I banked with wells fargo for 7 years, I had a credit rating of XXXX, I was married and my wife had a credit rating of XXXX. We applied for a small business loan of XXXX, we were going to co-sign. They denied us. We had combined income of XXXX per year and a business plan and experience. Fast forward 7 years later. I applied for a auto loan of XXXX dollars, this time with a credit rating of XXXX and proof that I was to receive XXXX dollars from a social security settlement and proof of income every month. They denied it, saying that my credit was too low.
Consumer complaint received 2016-07-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (NJ)

Southwest Credit Systems is reporting a debt that I know nothing of to the credit bureaus which is causing me damages due to the harmful listing. I disputed the account and is certain that they are in violation because the debt was never validated. They 're supposively trying to collect a debt that from XXXX XXXX. I never had XXXX XXXX. I live with my mother and she does n't have XXXX and never did. I will not pay for something I do n't owe. I will do my part to address the mistake and if necessary pursue other means to protect myself and my credit
Consumer complaint received 2016-12-08
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (NY)

We had set up auto drafts from a checking account to pay for the car. Prior to the due date each month for 3 consecutive months we called in a payment prior to the due date and asked that our account not be debited. They agreed took the payment and then tried to take out the second payment each of the 3 months. Not only did they do that but they charged us fees for return payments.
Consumer complaint received 2016-09-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

Re complaint # XXXX On XX/XX/2016, Wells Fargo " beat me to the punch '' and notified me that they were closing my checking account. 
About the same time I had intended to close my account but that may be immaterial. 
When I called to inquire about collecting my money in the account, {$33000.00}, I was told that my account was frozen and that I could not get my money until PROBABLY XX/XX/2016. 
When I asked why the account was frozen, the only response I could get was " We decided to close the account and, per the documentation when you opened the account, we can do so at any time without having to specify a reason ''. 
I agree that this is in the papers. However, unless there is a legal reason to do so, they have no right to refuse access to my funds. 

I filed a complaint with you and, as a response, around noon today ( XX/XX/2016 ) I received a phone call from a XXXX XXXX ( phone : XXXX ), who told me to go to the nearest Wells Fargo location, tell them that I was there to close my account and that I had been told that the branch where I closed the account would give me a cashiers check for my funds. 
At the XXXX XXXX branch, the woman I spoke with, XXXX XXXX, called corporate and was told that they would NOT authorize the release of my funds. 
I made a call to XXXX XXXX who told me she would check it out and get back to me this same day ( XX/XX/2016 ). At about XXXX she called me back and told me that corporate would not yet release my funds and, being a long weekend, she would TRY first thing Tuesday XX/XX/XXXX. 
I told her that I have done nothing illegal and she responded with " You have told me now twice that you have done nothing illegal, why? ". I responded with : " Without having been given a LEGAL reason as to why my funds is held, it is illegal to freeze my funds. 
If there is a LEGAL reason like a crime or potential crime, I have the right to know what this is. " We decided to close your account '' I can accept. However, without LEGALLY documenting as to the reason why Wells Fargo is holding on to my funds Wells Fargo is obligated to release my funds the same day that they close my account ''. 
So far I thus have neither my funds nor a legal reason as to why. 

If at all possible, I want my money tomorrow, XX/XX/2016, since some of the branches are open until early afternoon.
Consumer complaint received 2017-05-30
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. (GA)

I wrote to Equifax about an incorrect inquiry that was displayed on my credit report and they did an " investigation ''. They said the company did verify that I made an inquiry so it was correct. When in reality this same company  XXXX  did their own investigation and deemed the inquiry incorrect and sent me a letter that they would delete the inquiry and send a request to do so to the credit bureaus. The other credit bureaus received and deleted the inquiry but Equifax will not do so. They are reporting false information, I never tried to obtain a loan or get a car at that time I do not even posses a license at this time nor then.
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/XXXX I signed up with XXXX XXXX XXXX Client Number XXXX due to my financial hardship. JCPenney 's Department store was listed as one of my debts. JCPenney 's has accepted two payments from XXXX XXXX thus far for the sum amount of {$19.00} each month. After accepting payments JCPenney 's is declining the proposal XXXX XXXX XXXX sent to them due to terms and conditions I never signed or authorized JCPenney 's to enroll me into one of their internal programs. JCPenney 's is attempting to force me the consumer into a program I never signed up for. As of XX/XX/XXXX it was stated to me by a JCPenney 's employee that I was not eligible for Debt Management because I account was coded set up for a particular program I have no idea or have ever been notified about. XXXX XXXX XXXX has sent another proposal after JCPenney 's stated because I missed two payment my account was removed from the program. XXXX XXXX sent another payment in XX/XX/XXXXof {$19.00} JCPenney 's accepted the payment then denied the proposal again. As the Fair Credit Act states, I have a right as a consumer to have a certified consumer debit counselor assist me with my financial hardships. I live on a fix minimum income because I am a XXXX XXXX ( XXXX ) barely making ends meets. JCPenney 's has treated to place my account in collection, continue to compound interest daily without allowing me my fair credit rights causing a more financial hardship burden for me. I wanted to have this matter thoroughly investigated, because I do n't know my rights, I need assistance with this matter. XXXX XXXX XXXX has all the recording from the back and forth with JCPenney 's Credit Department. First stating the proposal might me excepted, but their was no guarantee. As of today, JCPenney 's is stating that they only allow one program per card. I only have one existing credit card with JCPenney 's. Furthermore, I never signed my signature or excepting verbally or in writing any type or form of a program with JCPenney 's Department Store. Synchrony Bank/JCP.