davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

My Chase account has been active since XX/XX/XXXX and I have not had any problems with the account and Chase confirms that it is in good standing. On XX/XX/XXXX, I made a payment, as I always do, using the Chase online system. The payment was for {$490.00}. Due to my accounting error, this payment was returned by my bank as NSF. I then made another payment on XX/XX/XXXX for {$590.00}. Although Chase waited 7-10 working days for this payment to clear ( which it did approximately 2 days after the payment date ), I was told that a hold on the credit had been placed. Subsequently, I made another payment on XX/XX/XXXX for {$890.00}. I confirmed with my bank and the payment was paid at the bank on XX/XX/XXXX. I contacted Chase bank about this payment and they advise me that a hold has been placed on this payment as well. When I advised the representative why this was being done she advised that this would be the procedure on any payment to my account for the next 120 days. I voiced by dissatisfaction with this process, as I had not had any financial problems with my account before and she verified this during my call. She states that this is Chase 's policy. I advised her that I was going to file a complaint with CFPB and request that this department review this unfair procedure that Chase has in place on it's cardmembers. One would agree that this practice would be for cardmembers that continually have matters like these occuring. However, since XX/XX/XXXX, I had not had any other instance such as this having occurred. I am requesting your office 's review of this official complaint.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, I reserved 2 hotel rooms for a future date in the Marriott mobile application at the XXXX XXXX in XXXX XXXX and was never presented with a disclosure that the hotel required a deposit to hold the reservation. In addition, the hotel even calls out that one can cancel the reservation without any penalties a number of days prior to the reservation date. On XX/XX/XXXX, Marriott 's XXXX XXXX in XXXX XXXX charged my Marriott XXXX credit card for a hotel reservation in XXXX XXXX two separate charges of {$660.00}. I contact the XXXX XXXX and they apologizes for the charges and would reverse them. These charges were presented on my XX/XX/XXXX statement ( Payment due date ). 

My XX/XX/XXXX statement showed only one charged had been credited back to my Marriott XXXX account on XXXX XXXX, XXXX. So contacted the hotel again explaining to them the situation as I had now received a notification that a credit bureau had been informed that my account with Chase ( Marriott XXXX ) was delinquent. The XXXX XXXXXXXX XXXX  accounting department called me back later on XX/XX/XXXX to inform me that they had made a mistake and that their account system only processed one of the two charges. 

This morning ( XX/XX/XXXX ) I reached out to Chase seeking their assistance in reversing the delinquent notice to the credit union. They explained to me that I was at fault for assuming that the XXXX XXXX, their partner and affiliate for the Marriott XXXX card, would have processed both refunds. They went on to say that I should have paid the minimum balance for a charge I did not approve and attempted to handled directly with their partner and merchant, Marriott. Chase had initial informed me that I could dispute this charge but it would be easier if I contacted their partner, the XXXX XXXX. They did not disclosure to me the potential impact by not opening a dispute if this situation went on for some time. The Chase Credit Bureau Specialist Unit further stated that I need to contact the credit bureaus to resolve my issue and reiterated that I should have paid the minimum and I could have called back to ask for my money back. They were able to see this morning that the refund from the XXXX XXXX in XXXX XXXX was pending and would clear tonight. 

My concern is what is a consumer supposed to do if a credit card company is not willing to assist one of their customers when the credit card company 's partner illegal charges that customers credit card. At this time, my credit score has been impact by Chase 's actions along with Marriott 's.
Consumer complaint received 2024-03-04
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. (MO)

I submitted an FTC Identity Report to Equifax to notify them fraudulent inquiries on my credit report. However the have ignored my report and continue to furnish the fraudulent information.
Consumer complaint received 2018-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

In XX/XX/XXXX I requested by certified mail that XXXX XXXX XXXX Furniture be validated or that the debt be removed from all three reporting bureaus. They've failed to validate this debt in the amount of {$3000.00} opened XX/XX/XXXX
Consumer complaint received 2018-10-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (OH)

XXXX XXXX XXXX XXXX Assets : XXXX XXXX XXXX, Chase IRA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Chase Money Market, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 18 month Criminal Extortion Estate and Trust HOMEOWNERSHIP XXXX V. XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX Homeowners Association Deeded Lots Wife and Child XXXX XXXX XXXX Sister Tax Return V. 
XXXX XXXX XXXX, XXXX XXXX Chase Bank Employee, 3 Weeks XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Consumer rights have been violated. 
Under 15. U.S 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-19
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc. (TX)

I filed bankruptcy in XXXX and all accounts were closed due to this. Santandar had my auto loan and insurance paid off car after an accident. I thought I still had to pay on the balance not paid but then checked my credit report and this account was closed under the bankruptcy. This means I do not owe any more to them and they call daily to collect. This has to stop
Consumer complaint received 2022-01-19
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : THE BUREAUS ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank called my husband about our payment ( even though the account is in my maiden name and was started before we were married ) because we missed our XXXX payment and our XXXX payment was coming due soon. Our XXXX payment was missed because we did not receive a bill. My husband asks the representative if he can make a payment of {$2000.00} on his debit card. The man then takes his payment information and processes it. He tells my husband it went through then asks him to hold for just a moment. He comes back after a few minutes to say that he is now unable to process a card ( after he already said it was approved ) and asked for a routing/ checking number. That evening, we checked our account and it showed {$2000.00} pending. We called and they said there was nothing showing on their side but that the transaction had been ran and then immediately cancelled and he didn't know why, but it would be back in our account in 5-7 days. I asked if they could either push back our due date ( since all of our money was now in limbo ) or not charge us interest until we were able to make our intended payment of {$2000.00} ( so that the interest wouldn't be charged on a MUCH higher amount ). He refused to help me on either and said that I needed to find a way to make a minimum payment so that it wouldn't be reported on my credit. He also said they'd open a complaint to have the recorded call pulled to investigate what happened and that they'd be back with me in 2-3 days. That was on Thursday and its now Tuesday ( 6 days ). We called back this evening and there is no record of our last call or our complaint and the {$2000.00} is still pending on our account.
Consumer complaint received 2023-04-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

Since before XXXX I have told XXXX Mortgage that XXXX  advised me that my sister XXXX XXXX XXXX did not pass the trial period on the alleged HAMP Modification done in XXXX that both XXXX  and Rushmore Loan Management Services on trying to force me to pay on. I asked Rushmore Loan Management Services to send me the payment history on the loan and they sent me the payment history that is attached from XXXX XXXX. While carefully reviewing it and comparing it to some of the original statements that I had from the original servicers many of the figures did not match. I emailed and called Rushmore requesting original statements and/or payment history from XXXX and XXXX. I have not received them yet. I called Rushmore this week and they stated that they have not received them yet and that they were still investigating. I also requested a modification document signed by XXXX XXXX ( by deceased XXXX brother ) who's name the servicers have on the alleged modification, I have not received it yet. In the meantime on XX/XX/XXXX I received certified mail at XXXXXXXX XXXX XXXX XXXX from Rushmore Loan Management Service for Intent to Foreclose. Rushmore has not yet corrected my name from a successor of interest to a borrower ( which I am ) even though I gave them the contact information that XXXX XXXX gave me to give to Rushmore, plus Rushmore has documents from XXXX to verify that I am a borrower. Also on XX/XX/XXXX I spoke with my sister XXXX XXXX XXXX who confirmed that she never paid any of the payments on the HAMP Modification because XXXX  never sent her the information where to send the payment to. She also stated that she received a letter stating that she no longer qualified for the modification because she did not pass the trail period. However, on this payment history that Rushmore sent me from XXXX is stating that my sister paid payments starting with XX/XX/XXXX. This is falsified information. She stated that she sent a check for over {$5000.00} later that was sent back to her. You will see a copy of it. Rushmore has been refusing to respond to any of my compliants stating that it is because of previous issue or pending litigation. They know that I have not been able to obtain an attorney yet and trying to push the foreclosure on a HAMP Modification that never passed the probation period. Also they are refusing to correct the loan, my name as a borrower and refusing assistance from me. All of this is illegal and I don't understand how they can deprived me of my rights as a borrower and not see the negligence involved in the handling for my deceased father 's loan.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo charged me excessive overdraft fees. The excessive fees interfered with my daily living. I am on a fixed income as a XXXX veteran. The fees caused financial strain on me and my children. 
My auto loan with them was also charged an interest rate higher than market rates at the time.
Consumer complaint received 2022-04-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (OH)

I had a lease with Hyundai Motor Finance USA ( HMFUSA ) that ended in XXXX of XXXX. At the end of the lease, there was to be a ~ {$500.00} turn in fee, plus any wear and tear, I estimated wear and tear to be about ~ {$300.00} additional. This amount turned out to be correct. 

The issue that I am encountering has to do with the payment of this fee. I turned in the vehicle in the midst of COVID-19, which delayed the turn in until XX/XX/2020 at their request. The vehicle and keys were turned into the General Manager XXXX XXXX of XXXX Hyundai in XXXX. The vehicle was accepted, and I was told that I would hear from Hyundai as to when, where, and how I could pay my fee. 

I heard nothing from Hyundai until XX/XX/2020, that the amount was past due, and I had already been reported as delinquent to the credit bureaus. Before I could speak with Hyundai regarding the fee and where to send it, they damaged my credit. No details for payment were available online or in print. 

When I accessed their website to pay the fee, my account showed as zero 'd out and complete ... with nothing owed. I have screenshots to prove this.Months later, I get a notification from the credit bureaus that I have been reported as 60-90 days delinquent.

In the entire 60 months of the lease, I had never missed or been late on a payment. Yet, because of COVID-19 and issues on Hyundai 's side... my credit has been incredibly damaged. 

I spoke with them at the beginning of the disagreement, and they said that if I paid the fee, that they would take care of the reports to the credit agencies. That has not occurred. I tried to settle based upon their emails, but my account had been disabled.

I have made numerous calls and requests to HMFUSA to speak to someone, but all attempts at contact have failed. They will not respond to emails, phone calls, or mail. 

I have also contacted all 3 credit bureaus asking for investigation/ appealing the remarks. But this has also failed.
Consumer complaint received 2024-03-04
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. (TX)

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 2020-12-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC (CA)

I received a text message on XX/XX/2020 at XXXX XX/XX/XXXXPST from ( XXXX ) XXXX saying that an application with XXXX was received. Then I received another text message from a masked number asking me to respond to the text to approve loan # XXXX for {$700.00}. I texted them back that I did not apply for any loan, so cancel the application. They responded with a PDF of a loan application that used my name, home address, phone number, and an email address that is similar to, but not my email address. It showed that an online application was made on XX/XX/2020 at XXXX XX/XX/XXXXCST from IP address XXXX, which is not my IP address. The lender on the loan agreement document is listed as WLCC Lending TLP dba WLCC TLP and in other places as WLCC Lending TLP d/b/a Rapid Title Loans, a wholly owned and operated economic arm, instrumentality, and entity of the Wakpamni Lake Community Corporation ( WLCC ), a wholly owned and operated economic arm, instrumentality, and entity of the XXXX XXXX XXXX, a federally recognized XXXX XXXX. 

I attempted to call their customer service department at XXXX XXXX XXXX XXXX, but was sent to a voicemail box. I tried calling another listed phone number, XXXX XXXX XXXX XXXX and spoke to a man who said he needed to know the last 4 digits of my social security number to verify my identity. I told him I was not comfortable doing that since my enquiry was about a fraudulent loan application, so he was unable to help me. I also tried calling Wakpamni Lake Community Consumer Complaint XXXX  Hotline at XXXX XXXX ) XXXX, but was unable to speak to a live person. 

After looking through the loan application I was sent I tried contacting all the phone numbers listed to get a live person on the phone, but was unsuccessful. 

I believe that someone fraudulently made an online loan application using my personal information. I have attempted to contact the listed lender, but have been unable to get them to cancel the loan. The different lending websites that have been listed in the loan documentation are XXXX www.rapidtitleloans.com, and www.arrowheadadvance.com. These all appear to be related entities to WLCC Lending TLP.
Consumer complaint received 2021-06-25
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (TN)

We closed on our business on XX/XX/2021 and our SBA loan with Wells Fargo bank was paid off on this date. Due to our attorney not being able to get a payoff statement from Wells Fargo in time for closing, {$15000.00} was put into an escrow account and will remain there until we have our lien release from Wells Fargo. 

As of XX/XX/2021, Wells Fargo had not provided a lien release to us for the loan, so I called Wells Fargo and requested a lien release and was told it would be mailed to us within 30 days. 
Since XX/XX/2021 I have called Wells Fargo six times to check on the status of the lien release. I have been directed to two different departments, sat on hold, been disconnected and told that only one person can help me. This person, " XXXX '', is never able to speak with me and has not returned my request for a phone call. I have requested to speak with a supervisor, but have been told " supervisors don't take phone calls. '' I have explained my frustration to all employees that I have spoken to since we have now waited over 60 days for a lien release that is tying up {$15000.00} of our funds. 
I have included the last billing statement I have received for my loan. My notes on the bottom of the first page include a case number that I was given when I filed a complaint with Wells Fargo.
Consumer complaint received 2020-01-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2017 I informed Equifax Credit Bureau about an account on my credit report thats was the result of identity theft. I sent in all supporting documents to all 3 Credit Bureaus, yet Equifax has still did nothing.