davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: VALLEY NATIONAL BANCORP (NJ)

I bought a second hand car on XX/XX/XXXX. I had the money to pay off the total loan and I was eager to receive the loan info to do that. 

I received a letter dated XXXX XXXX from Valley National Bank, quote : " We are writing to inform you that due to a bank error, we were unable to produce the first billing statement for your auto loan. Your first payment of {$700.00} was due on XX/XX/XXXX '' When I called their office, I was informed that I was being charged {$5.00} daily starting XX/XX/XXXX, I had over {$400.00} charged... They informed me that it takes them 45 days to process a car loan. 
I went to their XXXX branch and they told me they needed to investigate the complaint. When I wanted to give them a check for the amount of the car, they refused to take it until the complaint was investigated. I got a call back a week later... no solution. I pressed them to get at least a partial refund, they have not called me back. 

complaint : XXXX ) why 45 days to process a loan? this is not fair to the consumer since they are charging interest during all that time. 
XXXX ) if they failed to send me the statement on time, why is the customer expected to pay for their delay? 
XXXX ) when I tried to do a payment transfer from my bank, I discover that Valley National Bank only allows {$10000.00} payment for each month. I had to wait until the end of the month to pay another {$10000.00}. How is this possible? they are making it difficult for consumers to pay off the loan. 
XXXX ) I feel I was misled by the bank manager when she refused to take a check from me to pay part of the loan. I also think it is ludicrous that they take so long to respond to me.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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
Consumer complaint received 2023-11-16
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NC)

Synchrony bank has struck again!!!! Now they're slashing credit limits two at a time!. My original credit limit was {$1000.00} now it is {$100.00}. I paid the account regularly and in fact, paid it off. This is hurting my credit and I have no control over it at all!
Consumer complaint received 2024-01-31
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (IL)

Today, XXXX XX/XX/year> talked with Chase, and they have stayed to me that they will not adhere to Court order DTD XXXX XXXX, by XXXX XXXX XXXX that ; I XXXX XXXX XXXX is not financially responsible nor responsible for the home of XXXX XXXX XXXX, XXXX XXXX, IL XXXX. Chase Executive office stated they will not adhere to the court order, in which it violates Federal Law. 
Chase has been violating Federal " Credit Fair '' act in that they are saying that I'm responsible, when the court, during the divorce gave the Financial and Responsibility of the house and the loan. 
I'm requesting that your office start and investigation against Chase, in violating a court order and other Federal Law and Federal Acts.

This has been going on for two years, and they are still violating a Court Order.

Thank You
Consumer complaint received 2024-01-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (WV)

I file this complaint to compel AMEX to provide me with a paper copy of my XXXX of XXXX bank statement and my 1099-INT form for XXXX immediately. I am unable to access these documents online. See attached. I closed this savings account in XXXX of XXXX because AMEX failed to timely fix login issues associated with this account. AMEX was indeed foolish, as I had been a customer since XXXX and AMEX lost close to {$27000.00} because of the account closure. But that is apparently of no consequence to AMEX. 

In any event, it is my understanding that AMEX is legally required to provide the 1099-INT form by XX/XX/XXXX. Today is XX/XX/XXXX, and I have yet to receive form 1099-INT. AMEX is impeding the filing of my tax return. I want these documents to be produced in paper form forthwith, and I want all future correspondence to be mailed to me. I also want the online portal to this account to be shut down. Do not attempt to fix it - that time has long since passed. My disappointment with AMEX can not be overstated. 

My drivers license is attached.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I opened a new checking account on XX/XX/XXXX. As the initial setup, I deposited XXXX - {$500.00} personal check from my grandmother and XXXX - {$7100.00} cashiers check from XXXX XXXX. The banker who assisted us deposited these checks and informed us it would be held for 10 days. 
I received a letter dated XX/XX/XXXX stating they have an issue with the deposits and need additional information. 
I called on XX/XX/XXXX to speak with customer service. They informed me that they needed to verify the checks I have deposited. They were unable to reach my grandma and XXXX XXXX Bank to verify the checks. 
I called again on XX/XX/XXXX to see what the status of the verification. Chase continued to say they will not release the checks until the checks are verified and within 2 days on XX/XX/XXXX they will deactivate my account and close it if not completed. 
I called again on XX/XX/XXXX and we were able to verify the {$500.00} check with my uncle who is also on the account with my Grandma. I was told they called the XXXX XXXX XXXX but the bank could not verify the check amount. But, they did call a number on the cashiers check and were able to validate the check number and date. 
On XX/XX/XXXX, my checking account was released from hold, reinstated to active status. I tested it out and was able to deposit 2 electronic transfers via XXXX for {$1.00} each. 
On XX/XX/XXXX, I called the customer line again since it has been another week and money still has not been deposited or made available to me. I demanded to speak with the supervisor and was assured by " XXXX '' that the checks will be released 3 to 5 business days. 
I am afraid it is another stall tactic and nothing has been done to help me. I have not received any notices or advice for next steps. My money has disappeared and no one is able to help me. Each time I have called, I am at least disconnected 1 time and spend over 2 hours on the phone. I have sent at least 5 emails through secure messages to Chase for assistance and each time I am directed back to the customer service line ( XXXX ). The customer service representatives and the supervisors say they can't help but for me to just wait. 

Chase has held my funds and have not provided any updates to me. My direct deposits have been rejected and now I am without any access to my money.
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (TN)

XXXX in the ReEntry Dept. called XXXX XXXX, XXXX, Wells Fargo 2nd level denied mortgage assistance application they received XX/XX/XXXX. She said there are no more options because of a time limit of 3 years given by Wells Fargo Mortgage the Investor. I asked why they continue to postpone foreclosure sale dates if they are going to allow the application not to be processed. Refusing to process application continues to increase mortgage my balance. She advised they're wanting me to seek out ways to get funds to have my mortgage reinstated. Wells Fargo has me in a line of credit requested FHA Loan when I purchased my home. I have been trying to get mortgage assistance for several years, Wells Fargo will not assist me. I don't want to lose my home to foreclosure sale date is XXXX XXXX. Resubmitted Mortgage assistance request XX/XX/XXXX, XX/XX/XXXX. 
I am being discriminated against because I am a XXXXXXXX XXXX who is a XXXX XXXX. LN # XXXX XXXX Foreclosure sale XXXX XXXX Process mortgage assistance request. 
Don't want to lose my home to foreclosure.
Consumer complaint received 2024-01-31
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Grow Credit Inc (TN)

I, XXXX XXXX, am formally writing this complaint in accordance with the Fair Credit Reporting Act because of damage done to my consumer report. GROW CREDIT INC., the creditor whom the dispute involved, received multiple written notices from me regarding the inaccurate information that was furnished in my consumer report and is still reported inaccurately. The inaccurate information is currently being reported from both XXXX XXXXXXXX and XXXX. The inaccuracies contain missing payments in the payment history section, inaccurate late payments reflecting that I, XXXX XXXX was 120 days late 2 months in a row, and inaccurate payment dates. The inaccuracies are reported in both my consumer disclosure reports directly from the consumer reporting agencies and a credit report showing the same thing which was pulled from a 3rd party company called XXXX XXXX. I, XXXX XXXX would like to bring to the CFPB 's attention that XXXX XXXX XXXX informed me in response to the first written notice of dispute that was delivered to them on XX/XX/XXXX, XXXX XXXX. that they did investigate and had made the proper corrections. I, XXXX XXXX, was sent documents from GROW CREDIT INC. via email that showed what appeared to be a credit report and statements from GROW CREDIT INC 's system. Despite receiving this information from GROW CREDIT INC there were still no updates made to my consumer reports as requested in the first written notice of dispute. The previous problem that GROW CREDIT INC. claimed they resolved turned out to be a lie. The statements that were sent to me did not align with the credit report they gave me. I, XXXX XXXX, called XXXX and double checked for updates on XX/XX/XXXX, at XXXX XXXX. and was told by a representative of XXXX that there were no updates that were made by GROW CREDIT INC . The representative I spoke with told me that GROW CREDIT INC. has not updated anything with them since XXXX of XXXX. On XX/XX/XXXX, an additional written notice of dispute was delivered to GROW CREDIT INC. at XXXX XXXX. in this letter was a pre-arbitration proposal to negotiate for GROW CREDIT INC 's failure to update the XXXX and for violation of the FCRA in which I, XXXX XXXX have reason to believe that GROW CREDIT INC. violated 15 U.S. Code 1681s-2 actual knowledge of errors and per 15 U.S. Code 1681n Civil liability for willful noncompliance. There was also a demand to remove the inaccurate accounts for failure to properly update or correct the inaccuracy per FCRA in which creditors are given a sum of 30 days to do so per Furnisher Rule 660.4 ( e ) in the written notice of dispute. I, XXXX XXXX did not receive a response from GROW CREDIT INC., but I did receive an email notification from GROW CREDIT declaring recently that the account has now been charged off. I have reason to believe that the behavior from GROW CREDIT INC. violates the Fair Credit Reporting Act 15 USC 1681 regarding accuracy and fairness of credit reporting.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Velocity Portfolio Group (NC)

ON XXXX XXXX I CONTACTED THE COMPANY BY PHONE. I REQUESTED THAT THIS IS ABOUT THE 8th TIME SENDING COPIES OF MY SSN CARD, PROOF OF ADDRESS TO VERIFY MY IDENTITY AND FOR THEM TO REMOVE ALL INACCURACIES FROM MY REPORT. UNDER USC 15 1681g I REQUESTED TO SPEAK TO A SUPERVISOR. UPON EXPRESSING TO HIM THAT THE COMPANY CONTINUES TO SEND ME A REPORT WITH SOMEONE ELSE 'S SSN ON MY FILE. I AM REQUESTING THAT IT HAS TO BE REMOVED IMMEDIATELY AND HIS RESPONSE WAS IT BELONGS TO YOU AND IT WILL REMAIN ON MY FILE. THIS WILL BE THE MY LAST ATTEMPT TO HAVE THESE ITEMS REMOVED. 
UNDER. USC 15 1681g subchapter ( e ) ( 1 ). PARAGRAPH 1. 
I HAVE PROVIDED THE COMPANY WITH ( i ) the presentation of a government-issued identification card UNDER USC 15 1681g subchapter ( d ) ( 1 ) I AM REQUESTING ANY DOCUMENTS USED TO VERIFY THAT THE ACCOUNT # ENDING IN XXXX  THAT I OPEN THIA ACCOUNT AND ALL SIGNATURES BELONGS TO ME.

I WILL BE SEEKING MONETARY DAMAGES FOR ALL VIOLATIONS UNDER FCRA.
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

I had XXXX  auto insurance. A 6month policy. I move and change my address.right before the 6 months before it was Time to renew. I paid my car insurance up to that last month. When it was time to renew it. I canceled it and did not renew it. I got another car insurance. Now a debt collector from credit collection services at XXXX XXXX XXXX is harassing for XXXX for a car insurance that I never renewed and canceled in XX/XX/year>.
Consumer complaint received 2022-12-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (TX)

XX/XX/2017 American Express sent me a letter stating they were closing my account. This letter was sent weeks after my account had already been closed, account restricted and reward points confiscated. Despite all this, I still had several billing errors under investigation prior to and after the improper closing of my account. Ignoring the fact American Express closed my accounts based off information they were made aware of several times was the result of identity theft, the accounts were still closed despite billing disputes still being active. With the accounts closed American Express began demanding immediate payment despite the remaining balance being due to billing errors which were under dispute. According to 1666.  Correction of billing errors prohibits a creditor from attempting to collect a debt under dispute, including sending billing statements unless the account has been closed. The statute further continues to state " Restricting or closing by a creditor of account regarded by obligor as containing a billing error. Pursuant to regulations of the Board, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligor 's failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligor 's account the amount indicated to be in error. '' Yet, American Express vioalted this law and closed my account prior to providing any notice or fully investigating the billing disputes.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

A large sum of money was deposited into my checking account by me multiple times. I had seen the numbers change very often on the banks website and seemingly money was disappearing from my account. The statements information became false and were changed electronically before I could print them out. When I tried to follow up again the transactions would be switched around and then I became confused as to what was happening. I began to save all of my receipts since the transactions are not aligning with my spending habits and money seems to disappear quickly. I do not yet have an attorney or accountant on my behalf.
Consumer complaint received 2024-01-31
Product: Credit 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: WELLS FARGO & COMPANY (TX)

To CFPB I am writing to express my dissatisfaction with the way Wells Fargo Bank handled my complaint. I filed a complaint on and I have not received any satisfactory response or resolution from your bank. 

According to your own [ Complaints and Feedback Policy ] ( XXXX XXXX XXXX ), you are supposed to acknowledge my complaint within and provide a final response within However, it has been since I filed my complaint, and I have not heard anything from you except for automated messages and empty promises. 

This is unacceptable and unprofessional. You have failed to meet your own standards of customer service and violated my rights as a consumer. By delaying and ignoring my complaint, you have effectively made it expire and prevented me from pursuing any further action. 

I demand that you take my complaint seriously and provide me with a fair and timely resolution. I expect to hear from you within with a detailed explanation of what you have done or will do to address my issue. If you fail to do so, I will have no choice but to escalate my complaint to the appropriate authorities and seek legal recourse. 

Sincerely, XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2024-01-31
Product: Credit 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. (TN)

On XX/XX/2023 I made two purchases from XXXX XXXX ( XXXX ) totaling {$10000.00} on two vintage time pieces. The promised delivery dates came and went and after waiting two months I cancelled the order and requested a refund per the vendors policy stated on their site. The vendor apologized and stated a refund would be processed within days. After a week I received a refund confirmation e-mail stating a refund was processed but nothing hit the credit card. I called CitiBank and they confirmed, no refunds from the vendor had been sent. I followed up with the vendor who apologized and stated it was an issue with their accounting team. I went back and forth with the vendor for another two months and reached out to my credit card company for advice. They suggested I dispute the transaction so they could investigate. I did this and waited the required time. After the vendor responded CitiBank closed the case and reversed the charge back to me. They have not been able to provide information on what the response from the vendor was. They are doing a follow-up on my case but have not been very good with follow-up. I provided 16 pages of e-mails with the vendor to CitiBank as part of the dispute. I feel none of this was reviewed as CitiBank would have clearly seen the company had promised a refund and no product was ever shipped. Even the order number shows as cancelled on the vendors website. I am seeking assistance with CitiBank as no refund has been received and no product received yet I was still charged the $ XXXX on my credit card.
Consumer complaint received 2018-05-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I continuously have tried to have XXXX XXXX XXXX and XXXX XXXX removed off of my credit! I have never gotten a credit card or loan before XXXX of 2017! And i have never gotten a phone on payments i buy my phones cash from XXXX XXXX since forever! Also XXXX XXXX or XXXX I dont have cable or internet! I even have a credit freeze on and They keep coming back as verified and thats just impossible! Plus there are ALOT of inquiries thst are inaccurate as well! I never got a police report because i never knew until i started trying to build credit! Please help me!
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

because my account has been frozen if it is my account and I don't have to see anything about it, I have been receiving my payments for two weeks and they have everything that I can't even withdraw or anything and my bills and my children don't know how to wait because they don't know what's happening. On XX/XX/XXXX, they withheld my work payment of {$1600.00} and on the XXXX they also withheld all the payments that entered my account. A dollar comes in and a dollar they grab I'm already tired anyway right and you can't help I need my money to pay my rent every time I buy food for my children and pay off all my credit cards I feel like my hands are tied