davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO. (MA)

I have an auto lease with JP Morgan Chase Auto Finance, and there have been numerous issues now with the lease process, starting with a defective vehicle and it ultimately being replaced 1.5 years into the 39 month lease. 

Towards the end of the lease ( last few months ), the vehicle was involved in an accident. XXXX said they would cover the full extent of the damage. I then went to an auto body shop and several others, who stated that the parts would not be able to arrive for months to come. 

I returned the vehicle to the dealership, since it would be unusable until fixed, but by then the lease would be up. I explained to them the situation, and they accepted the vehicle from me. Months later, I get a call from Chase asking why I haven't been making monthly payments. I stated that I returned the car to them months back. They did not have ANY RECORD of receiving the car. They then proceeded to tell me that I would be responsible for the full value of the car ( $ XXXX ) since they didn't have it. Weeks went by, and then another call came in saying that they were going to move forward with litigation since no one had the car, aka accusing me of keeping the car. 

Finally, a body shop calls and says " Is this your XXXX XXXX? It was sent here from a XXXX / Chase / XXXX and it's just sitting here. 

After they found it, they said that everything is all set, and apologized for everything. 

Months later, they're now calling me weekly to say the collections process is ongoing, that I owe $ XXXX to them. I have never received any notices, mailers, final bills, or anything despite me asking for it. I stated that this is a violation of the CFPB protection regulations, to which they did not care and said the collection efforts would continue. Despite stating clearly that I dispute the validity of this debt, they continue to call and attempt to collect. I have recorded these calls with their supervisor as well, and can provide them as needed. 

I will take legal action on the offensive, should I be contacted again and this matter not dropped dead here.
Consumer complaint received 2020-09-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (FL)

I am being harassed by this company I am finally over it. How dare they call me last night @ XXXX XXXX and then again this morning within the first 15 mins of opening the phone lines! I was on the phone SPEAKING to a rep that's after dialing a bunch of numbers and putting in info to ID me when someone gets on the line. I was speaking to her around XXXX XXXX so one of the first calls they make this morning and one of the last calls made last night. 

I do not care that it was a dialer. They should have systems in place to make sure there is no chance of harassment on their end. 


XXXX, the manager I spoke to -- tried to intimated me instead of simply apologizing for being annoying on their end ... .. I am 77 DAYS PAST DUE -- on the phone call this morning regarding their harassment and notifying them I was writing a complaint to prevent this from happening again -- she goes on to try and convince me that I am at risk for REPO AT THIS VERY MOMENT when that is incorrect ... I am at risk for repo at 90 days. I have already told them I would be making an extra payment in XXXX when I make my normal monthly payment on the XXXX of every month. 

I work for the XXXX XXXX so I did not pay for XXXX or XXXX BUT I did make a payment in XXXX and I will continue to pay in XXXX on my normal due date now that XXXX  is back in session. I got offered a deffered payment in XXXX, so she is trying to make it - make sense by explaining that I am a " certain amount of payments behind '' so she is continuing to lie or to mislead me into doing what she wants me to do. 

I am OK and I am safe and they can't repo it because I am in all actuality only 2 payments behind they cant take it away because of the deferment. HOW DARE SHE!!

She is trying to manipulate the convo and convince of something that is completely inaccurate. And this is the manager?

Please help!
Consumer complaint received 2023-02-09
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. (TX)

Hi I was advised to reach out to you all about some accounts on my credit report that I dont know anything about. I went to the bank the other day to start the process to buy a home for my family and my banker was going on my credit and as she was naming things there are several accounts on there I know nothing about. Here are the items that needs to come off because they belong to someone else : 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  There were also several inquiries that are not mine : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I really need help with this im doing this by myself and need some help.
Consumer complaint received 2023-02-24
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. (GA)

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 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (MN)

Hello CFPB, I hope you are doing well. 

I would like to file a complaint with my Apple credit card ( Goldman Sachs ) that I recently opened up a few months ago. I received a notice on my account today that my account is restricted and was told to reach out to support for questions or more information. I reached out right away and was not helped whatsoever with my account being in lingo. By far a bad experience for not having an answer and being told to wait until somebody reaches out to my via email. I had done my homework and reached out to users who have had problems exactly like mine and was told to file a complaint. So here I am. I would like to know why my account is not able to spend money. I make my monthly payments and was not over my limit. Please help. 


Regards, XXXX XXXX
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I applied for a mortgage refinance and received inaccurate reporting. Experian submitted to the mortgage company a credit score of XXXX. However, Experian shows a credit score on my report XXXX, which is accurate, This is causing me a great deal of problems. Please look into this Experian 's reporting, as something is harmfully wrong! By Experian reporting a XXXX score I was denied a mortgage refinance. 

Respectfully Requested, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capital Accounts, LLC (VA)

The information reported by following creditors and collection agencies in my credit reports are incorrect. I tried to contact them and they are taking time to remove - XXXX  # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-09-30
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to r equest the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Consumer complaint received 2020-09-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: A-1 Premium Acceptance, Inc. (TN)

XX/XX/2020 I reached out to the company trying to get help considering I lost my income due to covid. They didn't attempt to answer any questions or help in anyway and then proceeded to charge me almost double my payment amount on XX/XX/2020. 

On XX/XX/2020 I reached out to the company again as I am in dire straights and asked to have my ach authorization revoked as I could not afford overdraft charges. The lady was short and rude. She stated she could not help me it was against company policy. I asked to speak to supervisor in which she said they didn't have one. They sent me to XXXX which whom I did not know her position. I asked if they had a legal department I could speak with again being told they don't have that and that I could not get a due date change or my authorization for 5-7 days. They were going to take my money anyway after trying to deal with this for two months. They bombard my phone with texts, emails, and calls. They are rude and unprofessional and their interest rates are appalling. I paid at least XXXX a month for almost 12 months on a XXXX dollar loan.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This account was opened in 2013. It was paid and closed. It recently showed up on my credit reports. After all these years as closed and a bad debt charge off. Not true. Plus its been over 7 years and needs to be removed completely from my reports. Ive asked for investigations and XXXX  removed it from my report. The others did not. Please review and remove this completely from all credit bureaus. 
Thank You
Consumer complaint received 2020-09-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Received notice from XXXX XXXX, XXXX regarding collection of a debt of {$710.00} with collection fees concerning my " merchant service agreement ''. Never received a bill and I am uncertain as to what company this debt is due to.
Consumer complaint received 2024-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (FL)

We will not stop filing the complaint against Wells Fargo Bank because they will not give us any explanation for how they handled our case. As I have stated previously that they keep asking us to provide documents for the mortgage loan issue and how they calculated the checks they sent us. The bank representative has refused to address the complaint that we never resolved our complaint with the XXXX yet XXXX XXXX insisted that the XXXX settled the case when she clearly stated that she is not qualified to resolve or mediate the complaint before her. Yet XXXX XXXX sent us a XXXX XXXX If your company cant provide us a copy of the transcript then you can listen to it and hear what was said. So youre calling me a liar. I spent XXXX years in military earning the respect of senior military officers and leaders yet I am being called a liar by Wells Fargo Bank. I will not sign a form that I didnt agree to. We have sent you copies of the documents that we had to provide with no proof that your company is working to resolve this problem.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX XXXXXXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 
XXXX. This late payment status is irrelevant XXXX Account XXXX : XXXX Please update or correct this account immediately XXXX. This late payment status is irrelevant XXXX XXXX Account XXXX : XXXX This account is fully satisfied and closed. Please delete from my credit report immediately XXXX. This late payment status is irrelevant XXXX Account XXXX : XXXX This account is fully satisfied and closed. Please delete from my credit report immediately XXXX. This late payment status is irrelevant XXXX XXXX XXXX Account Number : XXXX Please update or correct this account immediately According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications from the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the accounts and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-09-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (WY)

My husband and I opened an online savings account on XX/XX/2020. I promptly downloaded the app to use the account online. 

We went through the process of linking my other external bank account to the Marcus account and transferred {$100.00} into the account.

We then transferred {$1000.00} into the Marcus account from our currency exchange account from the sale of our home in the XXXX. 

Then I transferred {$100.00} back to my external checking account and all was fine.

We then transferred {$16000.00} into the account from our exchange account. The next time I logged into my online app, it said my account was locked.

I called their help line and was transferred to three different agents
who eventually stated they would send an affidavit for me to verify my identity because I couldn't pass a credit history based questionnaire.

After 3 weeks, the affidavit did not arrive and I called them again. It was sent to a street address but it needs to go to a po box . After some struggle, they agreed to resend it to the PO box . It's now been 3 weeks again, and it had not arrived. Trying to communicate with them is very difficult due to the agents not speaking English and always needing to put me in hold to ask someone else for advice on how to proceed.
They refuse to return my money, give me an explanation of why it was locked in the first place, or provide timely, meaningful help to resolve this in a professional, safe and expeditious manner. This is unacceptable when dealing with someone's life savings.
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (GA)

we had an insurance loss in  XXXX     2017 -- t he loss was over  30000 - - the process with  Selene Finance  to get the funds released from the insurance company have been a NIGHTMARE!! They keep changing their process, tell us to d o one thing an d then change it and its holding u p our contractor fro m being paid -- the banks inspector cleared the 100 % completion  3  weeks ago -- we have sent in every piece of paper and the checks and the last issue was the la st straw - - we called and ASKED about sending the depreciation check endorsed or not as I was reluctant to send an endorsed check thru the mail to them -- we were told to NOT endorse it -- and today we got a call that they had to send back for endorsement -- NONE of the checks have been released from them and this is seriously holding up payment for reimbursement to us and ou r contractor fo r completed repairs -- if my complaint should not be to CFPB then please advise to whom -- this is outrageous behavior and process on their part we pay for insurance to be used to take care of repairs and insurance company released funds " weeks '' ago ( over a month a nd 1/2 ) and  we are not seeing any funds paid out because they are holding them.
Consumer complaint received 2019-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for an auto loan today XX/XX/19and I was not approved because there are 3 accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever give anyone permission to open those accounts in my name. I have no idea who opened these accounts on my behalf without my permission but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments or transactions regarding any of those accounts. I also have never had any written/verbal contract with any of those companies and I never gave them permission to run or access my credit information.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I reported fraudulent charges on my Citi Bank Debit Card between XX/XX/XXXX and XX/XX/XXXX for the total amount of {$1600.00}. On XX/XX/XXXX Citi Bank denied my claim # XXXX. I received a letter stating that I am responsible for the {$1600.00}. 

In addition, on XX/XX/XXXX Citi Bank blocked me from accessing my checking account and is closing my account. Citibank is not releasing my balance in my checking account.
Consumer complaint received 2020-09-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NY)

This complaint is in regards to my daughter 's dealings with XXXX  ( formerly Sallie Mae ). She completed her XXXX XXXX XXXX in XXXX of 2019. Starting in XXXX of 2019 XXXX  was demanding that she pay $ XXXX/month for her loans. There is no way she could pay that amount. Numerous phone calls were made to try to arrange a different payment option. At one point they told her that she needed to let the loan become delinquent and then they could offer her other repayment options. When she did that and called them she was told they couldn't help her until it was brought current, after which she was again told there was nothing that could be done to change the repayment amount. We called XXXX XXXX XXXX  and they were willing to refinance but my daughter would need to show that she could make the payment herself without a cosigner before we could cosign for her. Now this has fallen onto my Father in law to repay since he co-signed. He is now retired and its draining his retirement funds.