davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-01
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: SYNCHRONY FINANCIAL (TX)

I am writing to dispute the following information in my file. I recently received a copy of m y Credit repor ts. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible
Consumer complaint received 2019-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Dear XXXX : Although I have a conventional fixed rate mortgage with Wells Fargo ( WF ), a well documented criminal enterprise, I have been instructed by WF to first make payments to " XXXX XXXX XXXX XXXX XXXX  '' which first refused to acknowledge my timely payments, dunned me with incessant calls and letters saying payments were not made which had been made, XXXX up my credit with false late payment reports and then after I complained here, blamed me for not sending them my bank statements although I had sent certified return receipt letters from two bank managers showing all payments made. This was a corporate attempt to illegally put me into default and foreclosure and steal my equity. Nothing was done about the dunning or the credit damage inflicted although I believe my account was corrected for the payments that had not been acknowledged. I say I believe because even though I am an XXXX  the escrow and Account Activity Statements sent by XXXX are incomprehensible ( I think purposely so ). So first Wells Fargo disassociates itself from the attempt to steal my equity by using XXXX and now it looks like I am being set up for another round with this new company " XXXX XXXX XXXX '' which is instructing me to send a payment {$97.00} higher than what I paid WF and {$29.00} higher that what I paid XXXX. Since this CFPB   doesnt really do anything but keep records I am making this record so that that when I figure out how you are stealing from me by making my payment higher each year on a fixed rate mortgage and hiding it in incomprehensible documents and how many other people you are doing this too i can make you pay. Sincerely, XXXX
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CA)

I noticed a fraudulant charge to a company i do not know of : ( XXXX ) of {$4.00} on XX/XX/19 and again of {$92.00} on XX/XX/19. I filed disputes and XXXX XXXX refunded the {$4.00}, but refused to refund the {$92.00}! They are from same company. I was given the runaround, lied to, hung up on, and completely been ignored. I was put on hold for over 65 minutes twice. They are unprofessional to say the least. I am still waiting for the paperwork they supposedly sent me. I called the compang i found online with the name on my charges and the phone numbers arent working. I am XXXX and need every penny, but they took it from me. Please help me recover my funds and make sure they cant do this again. Thanks, XXXX XXXX
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX, my wife became XXXX and we fell behind on some payments, due to delays in the processing of her Worker 's Compensation case. I entered into an agreement with Chase Credit Cards XXXX XXXX XXXX  XXXX, DE XXXX. My account number was # XXXX. My SSN # XXXX. After 2+ years of payments, Chase unilaterally ceased sending payment reminders. This had a disastrous effect. In XX/XX/XXXX, I XXXX overseas to XXXX. Without the statements being sent, my wife did not know who to pay, where to pay, how much to pay. Furthermore, It was not her account, and despite her having a PoA, they refused to provide this information to me. They are now FALSELY reporting to the Credit Reporting Agencies that I was late, because of their own negligence lack of help and lack of assistance.
Consumer complaint received 2019-03-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION (IL)

I previously submitted a complaint thru the CFPB regarding this company, and their response stated they took action to prevent their customer 's information from being sent to me. Again, on XX/XX/XXXX, I received an email stating that their customer received a transfer from someone. They, again, sent me all the transaction details for an account that does not belong to me ( transaction XXXX ). Xoom needs to delete my email address from their systems immediately. The email address is not registered to XXXX XXXX XXXX, and I should not be receiving transaction details - this is a violation of XXXX 's privacy rights. This is the third transaction I have received details for - in addition to XXXX on XX/XX/2019 and XXXX on XX/XX/2019.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I have requested for my name to be corrected. They are listing numerous names on credit report and that should be only one. Also, there is an address ( s ) listed one my report that shouldn't be as well for I have only one address. I have sent numerous letters with proper identification and a bill each time I have sent anything to this bureau.
Consumer complaint received 2022-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BARCLAYS BANK DELAWARE (DE)

Loan from Barclays Personal Loan XX/XX/XXXX Paid the loan off in advance of schedule Final payment was made, however Barclay still took auto-payment from my bank in the amount of {$900.00}, leaving me with a credit balance on XX/XX/XXXX I have called at a minimum of 2X per month in resolving my refund check. Have been told multiply times this has been escalated to the refund department with a manager call back. Today almost a year later, no refund or call back from manager.
Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (HI)

Subject : FAILURE TO PROPERLY SERVICE MORTGAGE ACCOUNT Ditech Holdings : Bankruptcy Case XXXX - Ditech Holdings ACCT NO. XXXX XXXX XXXX Mortgage : XXXX XXXX XXXX XXXX, Unit XXXX, XXXX, HI XXXX To Whom It May Concern : Over the past 6 weeks I have faxed several written requests to your customer service fax number filing a formal power of attorney notice for the subject property and requesting a copy of the appraisal associated with the mortgage. To date, I have not received the appraisal. 
Additionally, I have made several calls to your mortgage servicing phone number ( located in the XXXX and staffed by foreign nationals ) and have had a horrific experience. The wait time to speak to someone was never less than 30 minutes. I had to lead the service rep step by step through the Power of Attorney document that I had filed with you to ensure my contact information was updated to even get them to speak with me, even though the POA had been submitted weeks before. On two occasions the phone line went dead shortly after it was answered. In two instances I was assured that the documents would be emailed to me and they were not. In one instance, I insisted that the foreign rep connect me with a knowledgeable U.S. Ditech staff member to assist me. After assuring me that the call would be transferred to a U.S. staffer, I spent another 10 minutes holding on a silent line before hanging up. 

Please send me an electronic copy of the appraisal associated with this mortgage with out further delay. Send it to : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, HI XXXX SSN XXXX
Consumer complaint received 2020-04-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (VA)

Hello, my name is XXXX XXXX. I am a widowed and XXXX veteran that resides in XXXX  XXXX, VA. I retired from the military the summer of XXXX and live on a fixed budget. Recently, I was in communication with a couple of associates that work for Quicken Loans. I was attempting to secure a mortgage loan to refinance my house. 

From a period of time from XX/XX/XXXX to XX/XX/XXXX, encompassing 17 calls ( 9 of which were incoming from Quicken Loans ), and 11 emails, all communication was suggesting that my loan application had been properly vetted and was approved. An appraiser was even sent to my home and my home appraised for $ XXXX more than was necessary for the numbers to work. However, at the last minute, I was told that a portion of my household income ( recently acquired rental houses ) was not verifiable income because of less than 2 years viability ( showing on tax returns? ). Why didn't they say that at the very beginning? Not only was this whole process a hard pull on my credit, it was a colossal waste of time for me. 

I would think that the associates that routinely process applications for mortgage loans on a daily basis would be knowledgeable enough to know this before getting that deep in talks with a client or potential client. I have been in my home for almost 9 years and have not had a late payment on my mortgage. There were 2 loan scenarios that were presented to me ; one was a refinance with rate reduction only and the other was a cash out refinance. BOTH loans had a monthly payment that is less than what I currently pay. It seems terribly unfair to have been led astray with the guidance that I received during this process. I'm currently in an adjustable rate loan and was looking to get some stability in my budget by getting a fixed rate mortgage ... especially with having my daughter start college this past academic year. I was told by the company ( on XX/XX/XXXX ) that even though I was led astray by their loan professionals that there is no recourse in this matter. Please advise ... 

XXXX XXXX XXXX XXXX loans offered to me by Quicken Loans : # XXXX ; # XXXX Here are the associates that I was in communication with : XXXX XXXX, NMLS # XXXX ; XXXX XXXX, NMLS # XXXX ; XXXX XXXX, NMLS # XXXX ; XXXX XXXX, NMLS # XXXX
Consumer complaint received 2017-06-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Most recently I have verified that the student loan for my son with  XXXX   XXXX  wa s actually a private Tuition Answer loan which I, the par ent was the borrower. This loan was signed for  XXXX   XXXX ,    2005. The problem is my repayment period ( principal and interest ) has NEVER begun, so for the past 12 years, all payments have been for INTEREST Only. The promissory note states " the repayment period will begin on the day after the Interim Period ends. The Interim Period will end 4 1/2 years after the Disbursement Date. '' The follow on problem is I can not   get approved for my son, the co-signer to be rele ased from the loan until the outstanding {$4300.00} in interest is paid while the original loan of {$43000.00} has not been affected. In addition, the interest that has been paid is not eligible for deductions on income  XXXX   Release for co-signer is the borrower making 12 consecutive principal and interest payments without lat e fee penalty and the borrower 's credit being checked. They have no idea if funds are being paid by myself or my son. Not withstanding,  XXXX   XXXX  's failure to begin the repayment period is a breach of contract to the promissory note.
Consumer complaint received 2019-04-04
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX my father took out a reverse mortgage with Wells Fargo Bank. The problem is that I was already om the deed as a joint tenant when Wells Fargo issued the loan. Mrs. XXXX, ( representing Wells Fargo Bank ) called me and said that the loan would not be funded unless I deeded the property back to my father. I told her that I would not do that. 
In XXXX, while XXXX was the servicer of the loan, a foreclosure sale was initiated and rescinded. I was told by HUD that the loan issued to my dad was subprime, illegal, predatory, and not enforceable. 
Fast forward toXX/XX/XXXX. XXXX XXXX ( also known as XXXX XXXX, and XXXX XXXX XXXX ) is suing me for quiet title to my home and judicial foreclosure. 
HUD now says that they can not advocate for me. In XXXX however, they did advocate for me ; they negotiated for Wells Fargo stop collection efforts and pay XXXX taxes. 
I am XXXX and have sought the legal representation in this matter. The home has been upgraded to facilitate my specific physical needs. I live together in the home with my XXXX  sons, my XXXX daughter-in-law, and my XXXXyear-old grandson.
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MO)

At approximately  XXXX  CST on  XXXX / XXXX / 2017 , I logged onto my chase credit card account to find it closed. This happened to coincide with my declining of a mortgage offer from chase on  XXXX / XXXX /   2017  which the terms were awful. I have been an outstanding customer with a on time payments and a   XXXX   balance. I reached out to the customer service team, was transferred and put on hold 5 times before " a supervisor '' communicated that the account was closed due to chase 's decision. I asked for what reason,  XXXX  said that is the only thing I can tell you. It is ironic and silly that any creditor would close a perfect customers card immediately after my declining of their offer for the mortgage. It seems illegal and bad business practice. Once I told the supervisor I was recording the call she responded with I can not proceed further. How can anyone be sure these people are on their best behavior if they are n't being recorded? And what is their to gain or hide by doing so. I just wanted honesty and to uphold the representatives to the truth. I have never contacted the CFPB or BBB, but I feel like  XXXX  did this with bad intentions, also my  credit score is af fected from them closing my account and hampering my debt-to income before purchasing a home. I can not believe  XXXX  has treated me this way.
Consumer complaint received 2020-04-24
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. (FL)

We have been victims of identity theft. I never even use my credit and there is a rental property collection account on there. This is literally the only account on my credit report and I have no idea what this is in relation to. The account appears as national credit systems for {$3500.00} which is outrageous. I would like your assistance in getting the credit bureaus to recognize this account as fraudulent and have it removed.
Consumer complaint received 2020-04-08
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: VW Credit, Inc (IL)

I am victim of equifax XXXX  XXXX XXXX  and XXXX  data breaches. Somehow my personal information has been compromised and someone is using my identity without my authorization and consent. I have disputed the VW Credit Inc {$0.00} and XXXX XXXX XXXX {$0.00} loans several times stating to bureaus the information is not mines and fraudulent. It was removed from my credit report with XXXX  and XXXX  do to FCRA SECTION 604B 605B AND 609B but still not from XXXX. This the 4 time im diputing this inaccurate information from my credit report. The items or loans reporting on my credit are not mines and done without my authorization and permission. At this point I demand removal blcok or deletion from my credit file immediatley.
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had  XXXX  credit cards with Bank of America, both were Visa cards, one ending in  XXXX  and the other in  XXXX . Both were issued in  XXXX .
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Both credit cards were always in good standing, and were always paid on time. I also never went over the credit limit on either one of my credit cards, and they were used frequently for basic needs, and always paid on time.
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Between XX/XX/XXXX  and XX/XX/XXXX , Bank of America closed both of my credit card accounts without any notification whatsoever. Notifications were sent afterwards, which I received today. I still have a balance on my cards, but can not use any of them. Now, this information will adversely affect my credit which I have been working on rebuilding for years, and  XX/XX/XXXX  accounts will be listed as closed accounts. If I had been given the opportunity to pay off the balance in order to at least keep the accounts open to build " credit history '', as most credit scoring systems consider this an important factor on building credit, I would have paid them off. But the opportunity was not given, nor was any notice given prior to this occurring.
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According to the letter received today, but dated  XX/XX/XXXX , the date the accounts were closed, the decision of closing these accounts was based on " account history, your total relationship with us, current economic trends and a copy of your credit report ''. I have been a Bank of America customer for almost a decade, if this was based on my credit report, a recent negative account was added which was immediately disputed and this particular agency issued a corrective letter to expunge/delete my records from all  XXXX  credit bureaus. The letter is attached to this complaint. This decision was made blindly, without regard to the consumer, me, or every other consumer they have done this to. Now, I have to pay for this decision in the form of bad credit.
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Whether or not this is a violation of the CARD Act, which requires any " significant change '' to the account to be notified 45 days prior to the change, I do n't know nor am I an expert. What I do know, is a large population of us living in this country are struggling to upkeep our credit, and yet, we have yet another financial institution hurting people financially, and hurting their score despite payments being made on time, yet ironically labeling themselves with the name of the country they are supposed to represent : America.
Consumer complaint received 2020-04-24
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. (CA)

On XX/XX/2020 I applied for a loan through the U.S. Small Business Administration for my restaurant and I was immediately denied due to negative accounts on my credit profile. Although they could not tell me who they accounts were from they advised to me to review my credit report. After reviewing my credit report I found many negative accounts and multiple inquiries that do not belong to me. I have never authorized these accounts to be opened in my name or with my social security. I don't understand how someone was able to open an auto loan under my name. I have never received any money or merchandise from any of these lenders listed in this report. I have also filed a police report with the XXXX Police Department. Please immediately remove these accounts from my credit profile and delete any addresses not associated with me.
Consumer complaint received 2020-07-05
Product: Credit card or prepaid 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: CITIBANK, N.A. (FL)

Re ; case # XXXX with Citibank Visa. 
We planned a family trip with XXXX XXXX, booking # XXXX, # XXXX, # XXXX, scheduled to leave XXXX XXXX on XX/XX/2020. The total charges on Citibank Visa were {$10000.00}. The credits provided by Visa were {$1600.00} for taxes and fees. The cruise was cancelled mid-XXXX  due to the Coronavirus and we were offered a future cruise credit by XXXX. We had cancelled the cruise a few days before for the safety of our family, since ships were already being quarantined at sea and refused entry into some ports. In the meantime, XXXX  was stalling their cancellations and were still sending ships out to sea. My husband and I are XXXX years old, not in the best of health ( doctors letters have been provided advising against taking a cruise ), on a fixed income, and need the money. We need a refund and have no intention of taking a risky cruise in the future. We've since contacted numerous XXXX representatives through emails and letters and have been refused a refund. Since we were getting nowhere with XXXX we contacted Citibank Visa. They also turned their backs on us since " the loss claimed is covered by another provider ''. We have been loyal customers of Citibank for over 40 years and have excellent credit. We are not eligible for a refund since XXXX has provided us with a future credit. Besides being dangerous to our health, cruise ships will not be providing what was previously paid for by their travelers. There will be fewer amenities, dining experiences will be diminished and some excursions will be eliminated. There will also be many protocols that must be followed for the safety of the passengers. We will not be getting what we originally planned and paid for months ago.
Consumer complaint received 2020-04-24
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. (NJ)

I just checked my credit report and saw some accounts that are fraudulent and have to be related to my identity being stolen. The accounts are reporting as XXXX, collection bureau, and XXXX and XXXX. This is impacting my credit in a negative manner. I do not recognize these companies nor have ever done any type of business with them.
Consumer complaint received 2019-10-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (DC)

I received an offer in the mail that if I open a checking account with chase, I will get a {$300.00} credit, if I make a direct deposit.before XXXX. I took a screenshot of what I received from Chase when I opened the account online on XX/XX/XXXX and I made a direct deposit from my other account on XX/XX/XXXX. I then called Chase a week later to ask when can I expect the direct deposit, I was told that it will come 10 business days after the direct deposit. After the 10 days have elapsed, I called them back again and this time they said the direct deposit has to come from either the government or employer. This was nowhere mentioned in their previous advertising or correspondances so, in my opinion, it is totally misleading customers, a total scam to trick them into opening an account with Chase.