davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc. (RI)

I had a lease with GM financial which I extended for 6 months. I was able to lease a new car in XXXX, 2018 so I returned the car on the existing lease in XX/XX/2018. However the dealer, XXXX XXXX XXXX in XXXX, MA did not process the transaction to close the original lease so GM contacted me regarding the status of the lease. I informed GM on XX/XX/18 that I returned the car to the dealer and had entered into a new lease which GM does have that information. However, GM has not reached out to the dealer to complete the transaction to close the lease. Rather GM continues to harass me with telephone calls and letters. I have tried on several attempts to resolve this with GM but can not resolve the problem.
Consumer complaint received 2021-07-19
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. (GA)

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-12-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I own a small business : In XXXX my friend and I purchased a commercial 4 bay garage. I needed this space to store inventory for my business. My friend wanted space to store a classic car. We had problems finding insurance for this property because it was listed as commercial but we did not have business hours at this location. I reached an agreement with my business insurance agent to insure this property as part of my business policy. 

In XX/XX/XXXX my wife and I signed a purchase agreement for a house in Florida. I applied for a mortgage from Citizens bank. My wife banks at a credit union and I have my personal and business checking accounts at Citizens. My wife and I also have our 401K accounts at Citizens. 

I wanted to close my 401K account and use this money for a down payment on the Florida house. Citizens could not transfer this money between my 401K and my checking account so I was issued a check that I deposited into my checking account. 

Citizens would not approve my mortgage request based on the following : I could not prove the large deposit in my checking account. I deposited a Citizens check into a Citizens checking account. 
The underwriter was using my garage against me. I was sent a document that had the following questions. 
Did I own this property free and clear? Answer : I own the building with XXXX XXXX. 
How was this building insured? The Loan officer was calling my insurance agent. My agent refused to talk to the loan officer. 
Are the condo fees paid for on this building? Answer : There is not a condo association for this garage. 

This underwriting department is fixating on a garage that is being used as a storage locker and is paid for. The taxes are current and the property is insured. 

The underwriter also wants evidence that I lived at an address on XXXX XXXX in XXXX, PA. Answer : I have never lived in XXXX . XXXX XXXX lives on XXXX XXXX. 

Underwriter is looking into a credit inquire from XXXX. Underwriter needs a billing statement from XXXX. Answer : I changed cell phone companies in XX/XX/XXXX. XXXX has me enrolled in auto pay. My bill is automatically charged to my credit card each month and I do not receive a bill from XXXX. 

The underwriter wants a signed lease for the Florida property between me and the tenant. WHAT LEASE? WHAT TENANT? 

These four issues are keeping me from getting a mortgage that I have a 40 % down payment for. This bank has me backed into a corner. I am going to lose my {$5000.00} down payment. I have a $ XXXX annuity that I purchased through Citizens Bank. My wife has $ XXXX in her Citizens 401K and we have over 100K in cash to use for the down payment for a {$230000.00} purchase. 

I thought I was a great risk for the bank. The bank was a risk for me.
Consumer complaint received 2018-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: National Enterprise Systems, Inc. (MD)

I have been paying regularly every month to try to rid myself of this predatory loan for YEARS. XXXX XXXX passed MY loan onto this criminal enterprise called NES and NES continues to find a way to INCREASE the balance of the loan despite receiving {$3500.00} worth of payments from me in XXXX alone. I even paid twice one month on this loan and the balance of the loan has gone UP. This collection agency National Enterprise Systems has not explained how this is possible. They have NO signature from me agreeing to any new loan terms that would cause the balance to go up. 
On XX/XX/XXXX, I checked the balance of this loan ( document attached ). I CONTINUED MAKING payments. I made {$530.00} in payments in XXXX alone. - after getting over {$500.00} from me in addition to the regular {$330.00} I've paid each month, the loan balance INCREASED by more than {$150.00}. 
There is no way this can even be legal. I have been PAYING THIS LOAN. {$330.00} per month for YEARS. And the balance continues to CLIMB. I have pleaded with your office for assistance. Please note I graduated in XXXX and this loan is 23 YEARS OLD. Despite my efforts to pay and get this burden off my back, the balance NEVER goes down. NES continue to lie with NO EVIDENCE showing I agreed to ANYTHING and NO evidence showing they explained ANYTHING about how they can add to this loan despite GETTING PAID and despite me not agreeing to borrow ONE additional penny. I was advised by phone that the amount I needed to pay to get the principal balance to go down was {$330.00} per month. Every time in the past I has ASKED NES to please review the TAPES of my phone calls, they lie and say there are none even though their voice recording on the phone SAYS they record the calls. 
CAN YOU PLEASE HELP ME!? I am being ROBBED and no one who is able to assist will even bother! They HAVE NO legal standing to keep ADDING TO THE BALANCE when I am DOING WHAT THEY TOLD ME TO DO TO LOWER IT and they have NO signature from me agreeing to anything different. 
I have contacted the MD State Atty General 's Office to request that suit be filed because XXXX XXXX LIED about the terms of this loan and they are pretending to not have recordings of the calls where their representives LIED about the terms of the forebearances and LIED about the interest and failed to present all possible options for loan repayment. Mr XXXX XXXX, the atty general is too busy trying to become famous for fighting w/ the president over immigration to take action even as other states such as Pennsylvania and Ohio and have had much success in class action suits against NES and XXXX and other predatory loan sharks. And now I've been passed around to this collections agency who keeps RAISING THE BALANCE OF THIS LOAN DESPITE GETTING PAID and has not given me a single word of information about how they can legally do that. NO ONE WILL HELP ME.
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (CT)

On or around XX/XX/2010. I got a credit card for a friend in my name. At the time that I requested the card the American Express representative and I agreed on the phone that the credit limit for the person that I requested to be on the card was to be {$300.00}. The individual in question made around {$1300.00} in charges which was over their limit and I was forced to pay the {$1000.00} difference because the company violated proper procedure by not recording all conversations as required possibly by law so there was no way for me to get a {$1000.00} refund because through the company 's negligence I had no way to prove what was agreed to between American Express and myself. I want a {$1000.00} as settlement in anyway that they seem fit. I should not suffer for the negligence of the American Express Co in not recording all conversations as required! The lesson to be learned is that to never get a credit card in someone's name with a credit limit because if the customer goes over that limit u will be liable for the difference. I could have had as much as {$10000.00} liability!
Consumer complaint received 2018-08-13
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. (SC)

Since the breach my credit score is horrible like 500.ny mortgage and other good accounts are gone my fico now XXXX.ive written called and no help. I could not get a XXXX loan. I need this fixed. Help
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Vital Solutions, Inc. (VA)

I have had an ongoing issue with XXXX XXXX XXXX XXXX since this origination of this Lease with the XXXX XXXX XXXX. It seems that they continue to try to damage me and my credit worthiness. I've tried on multiply occasions to work with them, from them placing the wrong amount of miles on my lease to repossessing a car which I tried to return to them at their dealership, to not explaining taxes correctly and how they are paid with the lease to sending me a bill for over {$6000.00} and then damaging my credit. The account ended up with Vital Recovery Services which I finally agreed to settle with a 2 payment plan XX/XX/XXXX and XX/XX/XXXX and they have yet to send me settlement confirmation letter. I struggled to make these payments and placed my mortgage on hold to make this go away. The first payment, processed a little early so we had to reschedule it so we agreed managed to agree to same terms. However, we got it done and still I haven't heard from the representative or XXXX to say that it was complete. During this time, XXXX was still sending me statements showing I owed money and I was working with Vital Recovery too. Long story short, I paid Vital Recovery 2 payments of {$1200.00}. XXXX is still reporting that I owe money to them so when I called to follow up I explained that they are do a subpar job of following up with their Agency on my account and that they are damaging my credit and I asked who is responsible for updating my credit? The representative stated he didn't understand my question. However, I know who should and they have dropped the ball again. I advised then that I would be making another complaint about the mishandling of my account.
Consumer complaint received 2018-12-28
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I applied for a business credit card with Capital One. I was asked to submit all my business information ( ein, registration of business, dba, business location ). I submitted all the requirements to obtain this business card for my business, only to find out that it's being reported to the credit bureau 's as a business card for an individual not as a company card. Which has my company name on it also. I have-other business cards which is not reported on my personal credit report. I feel that Capital One is reporting business credit cards for a company to business credit report and to personal credit report. Makes it looks like Capital One gave out two credit cards to my company which the company only has one business credit card. The card is only used for the purpose of my business and not for personal used. By this being on my credit report is making my debt to ratio higher making it look like I do not manage my accounts very well.
Consumer complaint received 2018-12-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/2018 Capital One agent " XXXX '' ( ID # XXXX   ) sought out and contacted my ex-husband ( of 9 years ), who was never listed on the account in any capacity. Neither his name, phone number or any other information was ever associated with the account. 
After calling him, the advisor verified my name and social security number with him, which he obviously would have knowledge of as my ex-husband. He claims that he made it very clear that we were not married and have limited communication. Despite this, the advisor disclosed detailed information about the account and its balance, as well as offered to set up a payment arrangement and/ or settlement. It is my understanding that he declined this and advised the representative that she would need to contact me. 
After receiving a call from him regarding this matter on the same day, I called Capital One and spoke with a supervisor " XXXX '' ( ID # XXXX ) who claimed that this was a regularly used method by the company to reach debtors. I asked that the account be discussed with no others persons beside myself and was told " they would do their best ''. Additionally I asked to have the account notated that no discussion with my ex-husband in particular is to happen. I was advised that she would notate the account, but couldn't make any promises, however that I could send a written complaint/ request to Capital One General Correspondence.
Consumer complaint received 2023-08-19
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: Upgrade, Inc. (CA)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 US 1666 ( b ) a creditor may treat a payment on a credit card account under an open and consumer plan as late for any purpose. 


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Consumer complaint received 2018-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I already submitted a complaint # : XXXX for JPMORGAN CHASE BANK. This complaint does not show on your website anymore. So I have to start over again. 
I have my house for sale in escrow. On the Preliminary report, Title shows a second loan mortgage # :XXXX of {$65000.00} which it was merged to my first loan mortgage # :XXXX with Washington Mutual/Chase Bank on a Loan Modification in XX/XX/XXXX. In other words, I do have only one mortgage with Chase ending # : XXXX. 
On XX/XX/XXXX, through my escrow officer I request demand and Reconveyance to Chase-JP Morgan Chase Bank/Washington Mutual Bank. 
On XX/XX/XXXX, my escrow requested by second to Chase/WaMu Banks time by fax ( XXXX ) XXXX a full reconveyance on the second loan, the bank did not answer. 
On XX/XX/XXXX, a third request was emailed to lien.release.customer.researmych@jpmchase.com through the Broker who represents me on the sale. All three requests have been sent with my Authorization Letter signed and dated authorizing XXXX XXXX XXXX, Broker XXXX XXXX, and my Agent XXXX XXXX to speak on my behalf ; a copy of Deed of Trust, Preliminary Title Report. All requests including my complain to your CFPB had been very specific, I NEED A COPY OF THE EXECUTED FULL RECONVEYANCE ON LOAN # : XXXX. 
I have been talking to the Chase Customer Client every day, always with different person. Attached is a letter from Chase saying a specialist XXXX XXXX was assigned to help me. I've never been able to talk to this person I left her many messages with no answers. On XX/XX/XXXX, I received from Chase a copy of the loan modification # : XXXX that I did not request. Today, XX/XX/XXXX, I received the pay off of the same loan that I do not need either. I repeat once again that the only thing I keep asking for is A COPY OF THE EXECUTED FULL RECONVEYANCE ON LOAN # : XXXX.
Consumer complaint received 2018-12-28
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)

On XX/XX/2018, I have disputed XXXX XXXX XXXX on my Equifax credit report. I have sent an Affidavit and police report stating this is not my account. But Equifax refuses to obey the FCRA. They refuse to remove this account from my credit report. This has caused me Financial damages in higher interest rates and emotional distress.
Consumer complaint received 2020-08-01
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: Experian Information Solutions Inc. (TX)

Credit Bureau : Experian Account : XXXX XXXX Type : Medical debt collection Original creditor : XXXX XXXX XXXX Amount : {$380.00} Desired resolution : REMOVE from my Experian credit file for multiple violations. I am writing to file a complaint against Experian credit bureau for violating my rights under the FCRA regarding an account with XXXX XXXX for an alleged medical debt collection. This debt is not accurate, complete & verifiable ; therefore, must be removed. *XXXX has already removed this debt from my credit file after their investigation, but Experian will not. Violation # 1 : XXXX is continuing further collection activity, including credit bureau reporting, without validating this debt. I have written XXXX twice, and called them twice to dispute and seek validation of this debt. They responded in XX/XX/XXXX by sending another invoice, but NO supporting evidence of the debt. I also called the original creditor, XXXX XXXX XXXX in XX/XX/XXXX, and they could not find record of this debt either, nor could the Supervisor. 1st dispute to XXXX : XX/XX/XXXX 2nd dispute to XXXX : XX/XX/XXXX Phone call to XXXX : XX/XX/XXXX Phone call to XXXX : XX/XX/XXXX Violation # 2 )  Failure of Experian credit bureau to perform a proper investigation. I have disputed this 3 times with Experian, but they continue to verify this debt as accurate. ( Experian told me by phone on XX/XX/XXXX that my 3rd dispute request was dismissed as frivolous because it had already been verified as accurate by XXXX, and Experian was not required to obtain proof of the debt. ) My report now says This item remains unchanged from our processing of your dispute in XX/XX/XXXX. 1st dispute to Experian : XX/XX/XXXX 2nd dispute to Experian : XX/XX/XXXX 3rd dispute to Experian : XX/XX/XXXX Violation # 3 ) There can not be a Past due amount reported on a Collection, yet my report shows Past due {$380.00}. *See attached documents confirming my previous attempts to dispute this debt and request removal. 

Experian is further disregarding my complaint now by replying that my reinvestigation request " does not appear to have been sent directly by me or authorized by me ... therefore have not taken any action. '' And I NOW need to write them yet again ( a 4th time ) and send a copy of my drivers license & electrical bill to prove my identity. I do not want my license floating around! nor included with my credit history file. 

Experian : I am tired of the games. Please be advised if this account is not removed within 15 days, I will take legal remedy next. 
I am submitting this complaint on my own accord ; I am not affiliated with, nor have employed a credit repair service. I am authorizing this dispute complaint myself, as the direct consumer.