davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upgrade, Inc. (PA)

XX/XX/2022 I made a {$5000.00} payment to upgrade it took a couple days for bank to release payment. Upgrade customer service indicated on the XXXX that they do show a payment was made on the XXXX of XXXX. On the XXXX of XX/XX/2022 I go to use my upgrade credit card thinking because I made my payment and according to upgrade it's paid I should be able to use my card. Only to be of no avail due to unfair consumer practices of not making my credit immediately available once payment is made. Now I'm in store knowing I have a certain amount of credit available because I paid it. The real problem is if I didn't pay my bill on time they would report me to credit bureaus and tack on interest for late payment. How fair is it to me as a consumer to make my payments on time or a head of time only to be denied access to a service that the agreement is as long as I pay my bill I will have credit available. This is not the case with upgrade I have to wait 7 to 10 business days to have funds that I pay to have available to me. It's supposed to be you pay your bill you continue to receive service according to upgrade policy and terms.
Consumer complaint received 2019-01-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I submitted an application for a loan modification in XX/XX/XXXX. I was rejected without cause on XX/XX/XXXX. I file a complaint with CFPB and was just informed today XX/XX/XXXX, that Wells Fargo had completed their investigation. Which showed no fought. I informed the representative that Wells Fargo had begun and set a foreclosure sale date of XX/XX/XXXX without following the legal foreclosure guidelines set forth by the State of North Carolina, which states that a leader must give : 45 day written notice before starting a foreclosure 30 Day Notice of Default Notice of Hearing Notice of Sale The only reason I found out that my house was scheduled for sale was when a person drove by an inquired about my house. Then I called Wells Fargo and heard the recorded message that my house was up for sale. 

These are the type of unethical practices that the leader has been performing. 

Please help.
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (TN)

I have no knowledge of these inquires and in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 in XXXX XXXX Texas I walked into a Chase branch and made 3 transactions : 1. A {$5000.00} deposit into my savings account 2. A {$9100.00} deposit into my checking account and 3. A {$5000.00} CD deposit - my first time investing in such a way I set the CD term to be 2 years, and as assured after that time I could decide what to do about it then, so I didn't do anything further. It is now 2  years later and as I'm trying to access that money I've discovered the account was never properly set up - showing it was closed the effectice business day as it was opened but if it was opened and then closed the {$5000.00} never went into my checking or savings, there is no one else with access to my finances who could have done this. I've called customer service about the issue after which they told me to walk into a branch, I walked into a branch and was told to contact customer service again because the " back office '' could only pull up the necessary info to help me, after calling again I was told nothing could be done and as a last resort to walk back into the same XXXX XXXX branch where I purchased the Certificate of Deposit. 

It sounds to me like this is a clerical error and I'm not sure why it's my responsibility to drive hundreds of miles to sort it. I would just like the money that is rightfully mine to be returned to me in some way.
Consumer complaint received 2020-06-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

There has been a derogatory remark on my account in credit reporting agency like XXXX, transunion and XXXX. The truth of the fact is I did borrow money from the department that reported that. I am a service member and I have a GI Bill to use while I was going to school in New York. According to VA they claimed they have overpaid my book stupends by {$120.00}. This is their own negligent if they have overpaid and should not be tempering with my hard earned credit. My credit is valuable to me so I make timely payments on all my debts. I have contacted the credit reporting agencies about inaccuracy of their data because they indicated I have four months missed payment but in their comment box they stating I am infected by natural disaster. Well, I am from New York so I am affected by COVID19 during those times missed payments was noted. This sound like a conspiracy to destroy my credit. {$120.00} can not destroy someone who have over {$300000.00} debt but make my payments on time. Why would you report 4 months missed payment on the account which was just reported on XX/XX/XXXX to your agency. If VA would not find competent people to work for them, they would call me to notify me instead or mailing they claimed they did but I never received any mails from them. Post office was shut down and mails was taking longer to reach us during pandemic and up till this time it is still slow. This is an incompetent debt collector because every debt collector will call.the consumer. I will attach the mail I received on XX/XX/XXXX dated XXXX XXXX about them reporting above amount to credit reporting agency. My issue is why would they note 4 months missed payments but I am affected with natural disaster right. Stop tempering with consumers credit score because it is making living hard. One could loose their job because those little mistakes you do.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX, I reported to the Bank Of America that I got scammed thru XXXX for {$3500.00}. 
On Friday, XXXX XXXX. I contacted my friend on XXXX because he had just won {$87000.00}. His name is XXXX XXXX. He told me to get together with his mentor. Her name is XXXX. 
I connect with XXXX thru the XXXX XXXX application. 
I asked her how to start to make money like XXXX ; she wondered how much I would like to start ; I said {$1000.00}. She said under 3 hrs ; I am going to get $ XXXX. 
I sent the money thru XXXX for {$1000.00} to XXXX XXXX Phone : XXXX BANK name : XXXX XXXX Account Account numbers : XXXX Routing number : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX Florida XXXX She said my profits growing already and she sent a screenshot of the profit of $ XXXX. 
And she said I need to pay mining fees of {$1500.00} for me to get my profit of $ XXXX. 
I sent {$900.00} + {$600.00}. After she received my payment she said there was another transfer fee for {$2000.00} I need to pay for transferring the profits of $ XXXX to my bank account. 
I only have {$1000.00} in my bank account so I called my sister XXXX XXXX XXXX to send {$1000.00} to XXXX XXXX 's thru her account. ( I sent texts to her with all the information about him ). After that she said, You are getting XXXX now and if you pay this {$2000.00}, you not gon na pay anything anymore because you are so lucky and you can see a lot of testimony and my good work done. I said I don't have {$2000.00}. But I called my other sister XXXX XXXX to send {$2000.00} to XXXX XXXX. ( texted her all XXXX 's information ). 
After my sister sent the money. 
XXXX said Now you need to pay for your commission charge which is for the platform for {$1600.00}. I was shocked and I told her I want to stop, I don't have any more money. And I just want my money back. And she said she can not give me my money back. 
I went back to XXXX XXXX my friend on XXXX. I told him what happened and he said that I need to follow her instructions. I told him I don't have any more money, I borrowed my sister 's money for {$3000.00} already. He said just do it, for me to get my profit. 
On Saturday, XXXX XXXX, I called XXXX at his workplace, to ask him why did he push me to follow her instructions even though he knows I don't have any more money, and I didn't get the profits money. He told me that his account got hacked a month ago, so he was NOT the one who posted all the pictures, it was the imposter. 
He said he reported it to XXXX several times but they do nothing about it until now. I did report to XXXX as well, and sure enough, XXXX didn't do anything about it. XXXX XXXX 's account is still there as a private account. 
I wonder if anyone else got scams like me. XXXX XXXX 's account should take it down. 
XXXX XXXX is under the name XXXX on XXXX. 
Now I lost {$3500.00} plus owed my sisters {$3000.00}. 
Total {$6500.00}.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

This complaint is against Chase freedom visa credit card. I have been using it for more than a year but I have started having issues with this card. I see some of the transactions that do not belong to me nor were they authorized by me. Id really appreciate if you could resolve this issue. I made a complaint to Chase freedom directly and they have cancelled the card. A replacement card has been issued to me, however I still see the charges on my account and hasnt been dismissed. Id like to request u to cancel the following unauthorized charges : 1. On XX/XX/XXXX - {$520.00} XXXX XXXX XXXXXXXX 2. On XX/XX/XXXX - {$370.00} XXXX XXXX 3 . On XX/XX/XXXX - {$21.00} XXXX 4. Theres a charge of {$59.00} in the name of XXXX on XX/XX/XXXX, 2-charges of {$140.00} on XX/XX/XXXX and few charges of {$16.00} on the same day. I really dont understand them. Please help!
Consumer complaint received 2022-02-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent Experian a letter on XX/XX/XXXX in regards to be a victim of XXXX data breach as well as a victim of identity theft and that there are XXXX accounts on my credit report that aren't mine. It is now XX/XX/XXXX and Experian has not replied to the letter in regards to this problem. Due to XXXX day time frame for them to notify me of results are investigation i am requesting these accounts be deleted. It has damaged my ability to get assistance to provide for my family and I have been patient enough. 
Please delete now : 1. XXXX- account # XXXX 2.XXXX XXXX Account # XXXX 3. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX These accounts are not mine and I have bee waiting past the 30 days for a response, update to my letter.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NY)

At XXXX XXXX received a bill from Barclay Master Card with an annual fees in amount of $ XXXX paid same day from my XXXX checking Account .XXXX  Payment was received by Barkley at XX/XX/XXXX.At XXXX Barclays file it as unpaid with the Credit Bureaus.My credit score drop from over 830 to under 690, over 100 points. 
The XXXX XXXX XX/XX/XXXX statement with the full information an a payment made by me and received by Barclay Master Card, All bank payment ID numbers on a XXXX XXXX blank was sent 3 times to the Barclay Master Card Office. Starting Claim at XX/XX/2020 was # XX/XX/XXXX.Month later another claim was started also, # XX/XX/XXXX..No results on any of them.Proof of payment supplied multiple times-no result. By the Barclay request I visit the XXXX twice, Get a Bank statements and letters with the full Info proving the payment was made and received by Barclay.It was emailed also.No Results again.3 Month pass by- issue is not resolved. 
Today XXXX XXXX I received an Email from the Barclays-the Card want to me paid with the late fees in amount of {$29.00}. 
Whole this issue is looks like an a blackmail attempt. 
Each time when I am trying to contact Barclay Master Card office its take at list half an hour to get to the operator ... ..and still, issue is not resolved.
Consumer complaint received 2020-06-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: ONEMAIN FINANCE CORPORATION (NE)

I was tricked into taking out this equity loan years ago and now I'm sure I've paid 3x the amount of the loan which was $ XXXX. They ran a credit check and made me an offer. I accepted the offer and agreed and paid the {$500.00} appraisal fee for my home. They then came back a few days later saying they missed something on my credit report and the terms of the offer had now change. I felt I couldn't back out because they said I would lose my {$500.00} appraisal fee because it was not refundable. I can't even view the loans total history because it's been sold a few times, but I still owe $ XXXX after 13-15 years of paying on the loan. They haven't made any offer for a new better rate or any relief. I believe one of the previous lenders was XXXX XXXX.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi, Thank you for taking the time to read my complaint. 
First I would like it to be noted that I have already dispute this information with the company and credit reporting agencies directly neither have taken action to correct inaccurate misleading information on my credit report. 
In XXXX of this year I noticed my auto lender XXXX XXXX paused reporting to the 3 major credit agencies. Upon doing some research it was due Covid-19 in a effort to freeze  account statues to limit negative impact to their customers experiencing hardships. However I never requested such a freeze and continued to make my monthly payments on time each month as I always have. The very next month XXXX of this year when they resumed reporting I got an alert on a credit monitoring site my account was 120 days past due. After seeing this I immediately new this inaccurate I've made every payment on time and have the bank records to support this fact. I disputed this information with the company and the credit reporting agencies each verified it as accurate even though I attached my bank statements for the months in question May- XXXX and XXXX showing I made my payments on time. 
Finally today I decided to reach out to XXXX XXXX  by phone they were no help and said I would have to dispute it again even though they did not corrected the first time. I asked the rep to list all the payment dates of the last year she verified I made every payment on time.. and then proceeds to tell the delinquent payment was from the first month I opened the account back in XXXX of XXXX? and that that's why I got the late payment in XXXX almost 5 years later. I kindly explained to her if my account was delinquent for 5 years they repo 'd the car and I would have been dinged with 30-60-90-120 late payment status a long time ago which you will see in the attached file my account has reported in good standing from the time I go this lone until the time they decided to pause reporting. You will also see the reporting is inconsistent across all 3 reporting agencies for example one of my reports shows 90 days late the next month 120 days late and then next month back down to 60 days late how is this even possible. How can a account be on time in XXXX and then 120 days past due in XXXX when 120 days have not past between periods. I am requesting they remove these misleading inaccurate late payments as it is causing me great hardship I have already been rejected from one lending opportunity because of this please help me correct this misleading information thank you. I have attached my credit report showing my good history until their reporting error as well as my bank statements showing I made my payments on time every month.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX ACCT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-28
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)

Dear CFPB, I am writing to provide further information regarding my ongoing dispute with Wells Fargo Bank. I recently contacted them again, engaging in a 50-minute conversation. During this call, they indicated that they have initiated the processing of four disputed transactions, for which they provided claim IDs : XXXX XXXX XXXX XXXX XXXX XXXX While this might seem like progress, a significant concern remains. Upon inquiring about whether I would be required to make payments for these pending claims next month, Wells Fargo 's response was far from satisfactory. Instead of providing a clear answer, they transferred me to multiple departments, leaving me without a resolution. Eventually, I was informed that these claims are still pending due to missing documentation. 

It's important to emphasize that I have diligently followed Wells Fargo 's process, reporting each claim over the phone and furnishing all the requested information based on their inquiries. Despite my cooperation, they continue to delay and avoid processing the claims. Their assertion that I haven't provided the necessary information is baffling, given that I possess the claim IDs as evidence. This situation is indicative of the bank 's intention to procrastinate, allowing these claims to linger indefinitely. 

It is evident that Wells Fargo 's actions are not aligned with their commitment to resolving disputes promptly and transparently. The bank 's inability to address these claims raises concerns about their practices and their dedication to customer service. The potential for them to profit from unresolved claims, especially considering that they possess the necessary information, is both disheartening and unjust. 

In light of this situation, I implore the relevant authorities to intervene and oversee the activities of Wells Fargo. Their behavior calls for a thorough investigation and appropriate measures to ensure that the bank adheres to ethical practices and treats its customers with the respect they deserve. 

I appreciate your attention to this matter and your role in safeguarding the rights of consumers. 

Sincerely, XXXX
Consumer complaint received 2023-02-20
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. (NY)

I am writing to report an issue that I have encountered with my credit report. On XX/XX/2022, I requested more information regarding errors that I found on my credit report from your company. Instead of providing me with the requested information, the item was simply deleted and replaced on the clock. 

I believe that this action is illegal as it essentially reset the clock on the item and prevented me from obtaining the necessary information to correct the errors on my report. I am writing to request that the company involved provide me with the necessary information to correct the errors on my credit report. 

If this issue is not resolved, I will be forced to escalate this matter to the Attorney General 's office. I urge your company to take swift action to address this issue and provide me with the necessary information to correct the errors on my credit report. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2022-07-18
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. (MS)

Regardless of the multiple written requests, the unverified public records, accounts and inaccurate information listed below are still reporting on my credit report in violation of federal law. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX have already done as much as they can and referred me to you and the New York state attorney. The ID number for the XXXX claim is XXXX. 
HSBC bank charged me a fee that I didn't sign up for. The statement I received from them, described the fee as a cash advance, which I did not do, but they argue no fault of theirs until they are blue in the face ... or me! 
Customer relations sends me a generic card agreement, which doesn't even closely match my card, but DOES show the fee. They will not budge on that fable. XXXX has asked them to respond and they havent. They asked again yesterday, and they refused to respond. 
There is one attached file with interest and fee information. This is NOT for my credit card agreement, but for the checks that I detached, to use for transferring balances, with a fee ... which I have not used. This is the other side of my welcome letter. 
Please help if you can.