davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have submitted a loan modification application a few times with Bank Of America. I have a past due balance of over {$17000.00} because they will hold your modification or not respond for quite a few months. Then they will deny your request and try to focus on your home. I have filed bankruptcy to keep my home Because of this. We all know that there should never be a past due balance over {$17000.00} without there being something completely wrong. After filing my bankruptcy they have gone up on my regular mortgage payment {$1000.00}. Your reason for filing bankruptcy is to be able to afford your bills, however they are making it impossible for me. I recently Applied for another modification three months ago and have not received a response. I submitted all paperwork requested and have paperwork to prove that it was submitted still no response. I am reaching out to you for help to keep my home and To investigate Bank Of America no modification process and its unfair treatment to mortgage holders. This should be illegal.
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NH)

As of XX/XX/XXXX I had a balance of {$4600.00} on my Wells Fargo credit card. The whole of this balance was from a balance-transfer offer and was financed at 0 % apr until XX/XX/XXXX. On XX/XX/XXXX I made a purchase for {$270.00} using the card. This purchase was subject to a 16.99 % purchase apr. On XX/XX/XXXX I made a payment of {$320.00} and on XX/XX/XXXX I made another payment of {$1900.00}. These payments were well in excess of the {$48.00} minimum payment for my XXXX statement cycle, yet neither was applied to the purchase balance that was accruing interest, as they should have been under US federal law and CFPB rules. According to Wells Fargo, as of XX/XX/XXXX, I still have a XXXX purchase balance accruing interest at 16.99 % and I have been improperly charged a total of {$6.00} in interest for this purchase.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (NY)

On XX/XX/21 : I reviewed my credit report and notice an inquiry that was not recognized or approved by me. 

Im the victim of identity theft and I dont recognize one or more of the accounts on my report from Discover Credit Card. 
I reached out the the copy numerous of times and was told to file a dispute. 
I am writing to dispute the following information that appears on my [ XXXX or XXXX or XXXX ] consumer report :
Consumer complaint received 2021-07-09
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. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MA)

My mortgage lender or processor is US Bank Home Mortgage. I live in the XXXX of Massachusetts. I routinely pay more than is due every month because I am trying to eliminate my mortgage debt before I retire. I will be XXXX in XXXX. I have the mortgage statement that I received on XXXX XXXX. It shows that the principal due is {$1600.00}, the interest due is {$270.00} and the escrow due is {$1100.00} for local taxes and insurance. The statement shows that the outstanding principal balance is {$82000.00} and the interest rate on the fixed rate mortgage is 3.95 %. I looked at the way that my last payment of {$11000.00} was applied. The payment was for the month of XXXX and my check was received on XXXX XXXX by US Bank. The XXXX XXXX statement shows that {$580.00} was paid in interest for XXXX. There has never been any delinquency. If we owe {$270.00} in interest in XXXX, why did we pay {$580.00} in XXXX? If I take the outstanding principal balance and multiply it by 3.95 % and divide by XXXX the amount is {$270.00}, the amount on the XXXX statement. How could it have been {$580.00} in XXXX? The statement shows that the bank collected {$290.00} for XXXX and {$290.00} for XXXX. Those months had not occurred yet on XXXX XXXX. Interest is the amount I owe for borrowing the principal amount for a given period, one month. How could I owe interest for months that had not happened? How could the bank know what the principal balance would be in XXXX when I had not made my XXXX payment yet? It is my intention to pay {$15000.00}. If the amount is not interest, what is it? I understand that the XXXX does not allow pre-payment penalties. Is this a pre-payment penalty? When I discussed this matter with the bank, their response made no sense to me. I want the bank to collect the interest that it is due for the money that I have borrowed for time periods that have actually occurred. The rest has to be applied to principal. I feel that I have been cheated. I believe that the tax form that was sent to me for last year by the bank showing my interest deduction was not accurate. The interest owed is only 3.95 % of the weighted average outstanding principal.
Consumer complaint received 2021-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (KY)

I applied for a loan at UPSTART company, then they asked me to provide the college degree. I provided my college certificate which was issued by original country XXXX, but the UPSTART said the XXXX XXXX XXXX education degree disqualified me from the loan. I felt I was doing something wrong providing my original national country which made feel a bitter type a very discriminatory treatment due to my national origin. I am planning to sue to this agency for their unclear and unjust treatment for while trying to get the simple loan. I am naturalized US citizen and admitted into XXXX and am still working to get my college degree from my XXXX  college in town. Please, advise what I need to do as I am clueless on how to deal or sue this company for their discriminatory treatment for me
Consumer complaint received 2021-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (VA)

My account was fraudulently compromised onXX/XX/XXXX over XXXX was taken out of my account. I reached out to Chime on several occasions concerning the situation and they keep closing my investigation and dont seem to want to return my funds. They allowed someone to get into my account change my phone number and I had to call them and send it numerous documents so that I could have access to my own account. They admitted to me that someone called and pretended to be me and was able to gain access to my account. I have been fighting for months to retrieve my funds. I know XXXX dollars may not be a lot to some but this was a lot to me. I dont know what to do. I feel like I have exhausted all avenues. Please help me
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WI)

On Saturday XX/XX/XXXX between XXXX XXXX  and XXXX XXXX, coming from XXXX XXXX XXXX, I stopped by the Wells Fargo ATM at XXXX XXXX XXXX XXXX, WI XXXX, To check my balance because I had to pay on XX/XX/XXXX, my son Tuition XXXX  by online withdrawal by XXXX XXXX in IL. The amount was {$2100.00} for the month. 
I went to the ATM to see if the monthly social security of {$910.00} was sent, which would make my account not to get bounced once the XXXX XXXX make the withdrawal. 
I went to The ATM and just checked the balance because I was coming from XXXXXXXX XXXX XXXX  and in case of not having the social security yet deposited, to ad up some money in order to avoid a bounced account. Fortunately, the deposit was made, and it was ok, and I returned my card. 
Monday morning to my big surprise. When I checked my account at work on my computer, {$1000.00} was withdrawn from account. No Idea how this happened. I right away called Wells Fargo and went the same branch. I was told an investigation will be done. A week after I was told my request was denied because the money was withdrawn with my pin number. I have card and I did not give it to anybody at any time. I ask them to check the camera because they can see that at any time, I did not make any withdrawal, but they just make a final decision with the pin number and did not want to refund me money
Consumer complaint received 2021-12-13
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: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report and to this day, over 60 days later, I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you've caused me. 
My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-13
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. (TX)

Equifax conformation # XXXX XXXX Bank XXXX # XXXX date of last payment XX/XX/2016 Historical account information date of last payment XX/XX/2016 Date of XXXX Delinquency. XX/XX/2016. Should be XX/XX/2016 Account history should be corrected to reflect XX/XX/2016 as date of XXXX delinquency. 
I was told by Equifax employee that they are not responsible for the accuracy of the information they provide. It is the creditors responsiblity, and when there is a dispute they contact the provider, and it the provider tells them the information is accurate. Then the information is accurate and can not be changed.
Consumer complaint received 2024-09-16
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: Selene Holdings LLC (VA)

Dear During XXXX i request loan modification when interest was low and bank refuse to modification instead give loan deferment option which scam while most bank offered loan modification option on low interest then when interest rise and refuse loan modification because of {$100.00} increase in monthly pmt cause financial difficulties and not willing to work now they sold loan to different mortgage companies now I submit loan modifications they keep asking more more information vs finding resolution on my loan.
Consumer complaint received 2023-03-22
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: National Credit Systems,Inc. (AL)

on XX/XX/XXXX I received my annual credit report and in result of identity theft someone has stolen my identity due to a stolen wallet. the account the is reporting incorrectly is NATIONAL CREDIT SYSTEMS in the amount of {$1900.00} account number XXXX opened XX/XX/XXXX. This however was not made by me and I need this removed ASAP! THERE is also incorrect address linked to my credit report XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer repor
ts
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (PA)

Lender : SOURCE RECEIVABLES MNG Account number : XXXX... 
Date status reported : XX/XX/year>XXXX  This debt was originally reported by XXXX XXXX on my XXXX report and was deleted because its identity theft and not mines. 
Now its being reported by this company who purchased the debt. This entry on my credit report has caused mental anguish as my credit score has dropped significantly which caused financial stress. I understand my right under the FCRA rules and if this isn't rectified immediately, I will pursue litigation.
Consumer complaint received 2021-12-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (MI)

A signed affidavit was sent and delivered to the CEO of the company, XXXX XXXX XXXX on XX/XX/2021 about an account and an alleged debt owed. There was a 5 business day time period to respond with an affidavit rebuttal pursuant to 15 U.S. Code 1681i ( 6 ) ( A ) due to past failure to comply. Without and affidavit response with rebuttal point for point you agree to fault judgment in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact as an unrebutted affidavit stands a truth in commerce.
Consumer complaint received 2021-07-09
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: WELLS FARGO & COMPANY (NC)

I am writing because I am a victim of identity theft of Wells Fargo. I did not consent to them doing a hard pull on my credit report which lead to a hard inquiry. No written consent is Identity Theft according to 15 USC 1681 consumer report exclusions. The sales rep at the store assured me that I would not get an inquiry on my credit report. I did not even want to apply for the card in the 1st place because I was making the purchase with my current cashback rewards card. Also I am currently dealing with Identity theft and have a fraud alert on my credit reports. The lady insisted that I get the wellsfargo or XXXX XXXX card through them and that I did not have to worry about the inquiry. I have tried calling wells fargo and keep getting transfered to different departments then being hung up on. The sales representative was misleading. I want these inquires removed from both XXXX  and XXXX  consumer reporting agencies. If this isn't fixed within 30 days I will seek monetary damages for my consumer rights that were violated and take legal action. I have filed a report with the FTC on this matter
Consumer complaint received 2021-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

XXXX  has it documented that I opened this account in 2019. Absolutely false! I never initiated an account in 2019! After my bankruptcy I knew I couldnt get credit anywhere! I wish these credit reporting agencies STOP REPORTING FALSE INACCURATE information to keep scores low! 

I was never in contact with said debtor ANY time in 2019! I had absolutely NO credit in 2019 nor did I apply for ANY credit in 2019! I have screenshots to what XXXX  has posted and WISH they would QUIT CHANGING DATES on accounts I did NOT SIGN on said dates!!! That is ILLEGAL that is a total violation of my fair credit reporting! 

That is NOT my account I never initiated an account with a XXXX XXXX XXXX at no time in 2019! 

XXXX  just reports and post anything in attempts to hurt scores and reports! 

What ever account you have, its the wrong account because I was never in contact with the debtor in 2019!
Consumer complaint received 2021-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WI)

I was offered a fraudulent job through XXXX for a remote XXXX XXXX position. 
After filling out various paperwork, I was prompted to have an area set up for my home office. 
When they were prepping me to do so, they said they were going to send me soft checks to deposit in their vendors account and it would be delivered next day. 

The checks were sent through email and they wanted me to deposit through mobile deposit and when the funds were available I was told to withdraw the money and deposit it into a vendors account. 

The first check was withdrawn XX/XX/2021 of the amount {$4600.00} and the second was XX/XX/2021 of the amount of {$4500.00} The bank resolved the mobile deposits portion but I am in a horrible position because i withdrew the money without the acknowledgment that i was getting scammed.
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (LA)

Last mth, on or about the day of XX/XX/21, I finished paying enhanced recovery company. They've said that they contacted the credit bureas, but the bureas still showing a balanced left to be paid on the reporters website. Now, I've sent the reporters a copy of a letter from erc. Still waiting to be updated on their reporting website.
Consumer complaint received 2022-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Social Finance, Inc. (TN)

I received alerts from XXXX that claimed I had no hard credit inquiries. Alarmed, I contacted XXXX by phone call on XX/XX/2022, since I have not applied, attempted, or requested any new lines of credit with anyone. I found out that a company called XXXX took it upon themselves to ding my credit with hard inquiries for a credit card and an apparent mortgage financing -- despite me never interacting with XXXX. Sure, they send me junk mail that gets shredded & recycled, but that is really not enough to run someone's credit. I tried disputing the information through XXXX 's website. That option was blocked for me on the website with a message that I must call XXXX about disputes. I called XXXX to request a dispute, & an XXXX staff member going by " XXXX '' outright refused to start a dispute. XXXX stated I should contact the company first. I was firm that I most certainly do not need to contact a company that I have never interacted with that is acting in a fraudulent manner. XXXX still refused to file a dispute. I informed XXXX that refusing to initiate a dispute is likely to be a violation of the Fair Credit Reporting Act ( FCRA ). XXXX still refused & refused to get a supervisor, just leaving me on repeated holds. It appeared to be a way to abuse my time & continue denying my rights. The only option they claimed that could be offered was to place a fraud alert. XXXX would not allow me to freeze my credit either. I wrote XXXX through a XXXX dm stating the problems encountered. XXXXXXXX XXXX XXXX team claimed that I could submit a dispute online. I reminded them that was untrue. XXXX XXXX XXXX team then claimed I could contact someone at XXXX to start a dispute. I again reminded them I provided a written statement about what actions I already attempted when I initially contacted them. XXXX made no effort to resolve the initial problem of a random company making hard inquiries on my credit report.