davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-08
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. (NJ)

The original message to the credit card company where I have a detailed explanation of the problem. 

Hello, I will give information about this dispute since it seems that the main problem is not being understood. I bought a freezing machine from XXXX which is supposed to freeze LCD screens in order to separate them from their glue. Since the day we got it the machine was not working properly, it shut off after a minute. We contacted the seller trough email ( Ive attached all the emails as well ). So that they knew about the problem. In the following days they had us troubleshoot the machine, they even sent us a replacement part to swap and see if that worked. We tried to the best of our intentions to keep the machine if it worked even knowing that it came damaged, but only if it got fixed. They dragged the situation longer and longer until we decided to file the dispute since the troubleshooting had gone for almost a month. I believe we were deceived into thinking that the problem was simple and that we could fix the machine here in the U.S, because shipping it back costs around {$500.00} ( we have shipped the machine back, Ive attached a XXXX  tracking number and proof of return ). 
Please be considerate and read all the emails and take note of the time frames, we had the best intentions to keep the machine and use it, but I believe that the seller intentionally dragged the situation for a long period of time making us believe that we could have fixed the machine. The machine never worked! Since day one. I think is unfair for us as business and me as your customer to have this dispute dragging for such a long time and without you guys requesting information that is crucial for a decision, I have proof of 1.of us returning the machine back to the seller. 2. Our intentions to keep the product. 3. The seller replying to our messages and guiding us to fix the machine ( if it ever was fixable ). 4. The machine not working.
Consumer complaint received 2019-08-08
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. (TN)

XXXX ; XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed from my credit report.
Consumer complaint received 2019-07-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Error Icon Message not delivered There was a problem delivering your message to XXXX XXXX XXXX From : XXXX XXXX XXXX XXXX XXXXXXXX Date : Wed, XXXX XX/XX/XXXX XXXX XXXX Subject : Please help me with my mortgage. 
I have enclosed this letter tp you ; I have all paperwork involved in this. I sent it to my XXXX lawyer for my dire need to appeal my denial with social security XXXX. I have already had a loan modification with Wells Fargo in XXXX ( which I think they messed it up and charged me forcloser fees but I never was in forcloser. The fees are over {$1400.00}! ). They have also put a stipulation in my loan saying I can't get any assistance from any financial institution for it will put my accelerate my loan ... I don't know what else to do. My XXXX and other medical conditions can't take much more of the XXXX. My husband has a part time job that is also a on call type and he only brings home about {$250.00} month. He had a job but was let go due to his pay interfering with their profits ( their words ). I have already asked relitives, of which I did get money and put {$800.00} towards my mortgage but it seems that's not enough. Please help us not lose our home. I have lived here about 13 years. Thank you. Sincerely, XXXX XXXX
Consumer complaint received 2022-11-27
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX/Equifax/XXXX  : XXXXlated my rights under 15 Usc 1681 section 602 A. States I have the right to privacy. 15 Usc 1681 section 604 A. section 2 Also states a consumer reporting agency can not furnish a account without my written instructions please help me with this matter as soon as possible thank you
Consumer complaint received 2019-07-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/XXXX XXXX, my brother 's telephone received the following text. The lady identified herself as XXXX XXXX and left a voice message sounding as if I was in big trouble and committed a crime, so I called the number XXXX XXXX XXXX and a man answered with Hi this is XXXX. I asked who he was, he said XXXX XXXX with XXXX or something, then he said Civil Arbitration something, I was nervous. He went thru a spill about me, that I had a Fifth 3rd bank account go overdrawn, it was back in XXXX. And how I could be charged with fraud and gave me several options. Again I was nervous so I ended up giving my credit card number and agreed to pay {$100.00} a month until paid in full. After the call I spoke with Fifth Third Bank, the lady said this did not sound right to her, a lawyer and he suggested canceling the card as did a few other people. I canceled the card, Then they sent me the XXXX Payment Email, So I did. Today I contacted CFPB. Thanks for being there! 

Text we received minus our names, New Voicemail Message from Unknown Number " Hello this message is solely intended for. My name is XXXX XXXX I'm contacting you in regards to a service of your legal documentation that I have received from you in my office. I'm contacting you in regards to the service of your legal documentation that I have received for you in my office. I have been schedule to make an appearance to either your residence or place of employment tomorrow XX/XX/XXXX between XXXX and XXXX XXXX. If I'm unable to get a signature on your documentation it will be recorded as a direct refusal to comply on your behalf in the process will continue without you being that this-is (? ) a time sensitive matter that is .... '' - XXXX Mailbox has a new voice message from Unknown Caller ( Unknown Number ). 
Length : 66 seconds Received on : XX/XX/XXXX XXXX ( EDT )
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I'm currently in review for a modification with my mortgage company, XXXX. I received a letter in XX/XX/2019, stating that they had all of the required documentation and the review was complete. I never received a decision. 

In XXXX, XXXX, reported to the credit agencies that I've signed a deed-in-lieu. I have not. I contacted XXXX immediately and they agreed that it was error and would be removed within 3 days. Two weeks later, I received a letter from them stating that the deed-in-lieu is correct. 

To date, they have not removed this misinformation which has adversely affected my credit nor have they sent me a decision on the modification.
Consumer complaint received 2019-07-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (CA)

I am receiving an abundance of calls from Aargon Agency Inc. I have requested they ( he XXXX XXXX ) stop calling me. I'm not in debt with anyone and I don't know what the debt is for. I have not received a collection notice what so ever in the mail so I am not sure what the calls are in regards too-he keeps calling me after I personally advised him not too. He wont advise me what the debt is for.
Consumer complaint received 2019-08-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO Bank, N.A. (IL)

My wife and I were diagnosed with XXXX XXXX XXXX. 
Early XXXX my wife was diagnosed with XXXX XXXX XXXX XXXX. Later in XXXX I was diagnosed with XXXX XXXX, XXXX Score XXXX 'Aggressive ' XXXX XXXX. My wife began XXXX XX/XX/XXXX. I had a XXXX XXXX XX/XX/XXXX. During my recovery I suffered XXXX XXXX XXXX. Before being released from hospital for that diagnosis I suffered a massive XXXX. Needless to say, our income for XXXX and XXXX were lower than normal. My wife ended XXXX XX/XX/XXXX. I was released from physical therapy XX/XX/XXXX. 

In XX/XX/XXXX, I made a request to obtain a conventional mortgage from BMO/Harris but was advised by BMO/Harris to renew my HELOC. I attempted to do so, however, our income was deemed too low as we are both XXXX-XXXX. We defaulted XX/XX/XXXX and continued to make regularly scheduled payments. We applied for Equity Line Reset Program XX/XX/XXXX. We were denied XX/XX/XXXX. Our account was turned over to BMO Loss Mitigation XX/XX/XXXX. 
We have never missed any payments. We have no auto loans or recurring credit card debt. 
We were placed in Forbearance while I attempted to secure a mortgage from other lenders. I was told by BMO/Harris that I would need approximately {$800.00} per month more in income to be approved. I requested an IRS approved monthly XXXX distribution from an IRA I own which paid over {$900.00} per month. We were placed in a second Forbearance and ultimately denied a reset to our HELOC. We had not missed any Forbearance payments. 
I found a portfolio lender that approved us for a higher interest rate mortgage and received a professional appraisal valuing our home at {$320000.00}. I wrote BMO/Harris requesting an extension so we would be able to close on this new loan. The extension was denied and Harris placed us to collections and filed with the court for Foreclosure. I was advised by Harris collections to stop making further payments on the HELOC. 
The new mortgage was then denied and Foreclosure is now pending. 



Documentation available upon request.
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Uber Technologies Inc. (GA)

I am a rideshare driver for UBER Technologies, INC. I opted in to get the XXXX debit card to use the money I earned while driving and also earn gas benefits. When I got my card, I tried to activate it. The automated system said I had to upload a picture of my ID to activate the card. Later on today I called again to try to activate the card or find out the status and the system simply said that my account has been closed. I have never been a XXXX XXXX customer and I haven't used this card once.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MI)

I went to a location to get my car serviced, I was told my car needed major repairs. I was then given an extended line of credit. 
I believe my car did not need all the repairs they claimed it needed. I also believe they only did the repairs due to the credit they offered me. 
I was never shown any defective parts. Currently my car is not running and my engine is not working. 
I want them to stop demanding money from me and stop reporting this on my credit.
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On Friday XX/XX/2022 I logged into my chase mobile banking app and found three occasions of fraudulent activity. The first two transactions were made on XXXX XX/XX/2022 at XXXX and the third unauthorized transaction was placed on XXXX XX/XX/2022 at XXXX. The first transaction was for {$1000.00}, the second transaction placed at the same time was also for {$1000.00}, and the third transaction was placed was for {$1500.00}. Each transaction was made through a banking feature called XXXX. I called Chase and was transferred to a dept that handles XXXX fraud charges and was asked a series of questions. Afterwards the rep agreed the activity appeared fraudulent. I was then transferred to a different dept to change my login info. 

On Monday XX/XX/2022, three reversal payments were deposited back into my checking account ; one deposit for {$1000.00}, a second for {$1000.00}, and a third deposit for {$1500.00}. This morning XXXX  XX/XX/2022 I received a notification that my account was overdrawn by {$3400.00}. I drove to the Chase bank near me to resolve the issue. I spoke with an employee who called customer service and it was explained to him that the case was closed due to an IP address that was linked to my phone and the alleged use of facial recognition warranted a reversal of fraud coverage. The case was determined to not be fraudulent by Chase. I was told to go to an XXXX store or the XXXX squad at a XXXX XXXX to determine if my phone was hacked. After speaking with a geek squad employee, he informed me that they will not be able to determine if the phone was hacked. 

It is my understanding that Chase ( A ) did not protect me from 3 fraudulent activities, ( B ) failed to notify me of the three large consecutive fraudulent transactions, ( C ) have withdrawn needed funds without notice, ( D ) attempted to charge me overdraft fees, ( E ) asserted that facial recognition is a legal means to positively identify an individual, ( F ) have failed to adhere to regulation E which is designed to protect consumers from such events. 

Chase is now demanding I repay them {$3400.00}. I have already lost {$3500.00}, and for a financial institution to penalize a victim of fraud another large amount, this could result in a sum total loss of close to {$7000.00}. As a part time worker and part time student, funds are extremely limited and I can not afford to be taken advantage of by scammers and banks. 

I was not provided with a claim number or anything in writing or email to show an investigation was performed. Attached are screen shots of the original fraudulent transactions ( pics 1 and 2 ), the deposits ( pic 3 ), and the withdrawn funds by Chase ( pic 4 ). Please get in contact with me as soon as possible. Thank you for your time.
Consumer complaint received 2019-07-31
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

The Department of Education have active federal student loans reporting on my credit report. I am still currently a student and these loans should not be reporting as a debt. Reporting these balances has lowered my credit so that my credit can not reach a 625. I've had numerous of loans and credit cards that have been paid with 100 % payment history for 7 years. Yet, i can not get approved for a car loan. It should be unconstitutional to report a debt that is not yet owed until the student is finished with college. I still have years before I finish and this is hindering my life.
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

I initiated an online chat with citibank, stating I was struggling to pay my bill and I asked for temporary assistance with the interest rate and/or payment amount. The agent, XXXX, checked and said " no offers were available ''. I asked again in a different way and she just pasted information about paying off my balance and it would take two payment cycles for the interest to stop if I paid my balance in full! They were unwilling to work with me.
Consumer complaint received 2019-08-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I recently changed cell phone providers which caused a notification on my account to verify my phone number. The phone number itself did not change but the account would no longer allow me to make XXXX transactions untill my number was verified. I called three weeks ago to put in a manual update request. After 7 business days ( i was told processing takes 5 days ), i checked and the information was still not verified even though i recieved a confirmation email. I called back and the customer service agent put in another expedited request and the number is still not verified. I do not have access to transfer my funds untill this system error is corrected.
Consumer complaint received 2019-07-25
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: EQUIFAX, INC. (FL)

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, Equifax and XXXX have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the accounts below with TransUnion, XXXX and XXXX in which they have not responded to my disputes in over 60 days. Per the FCRA these items must be deleted due to the creditors and credit bureaus neglecting to respond to my disputes. I am requesting TransUnion, XXXX  and XXXX to delete these inaccurate accounts per Section XXXX, XXXX and XXXX of the FCRA. 

XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX/XXXX  : Account # XXXX Thank you, XXXX
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (IL)

I was approved for a loan above what I could afford or even the actual value of my home, by neighborhood loans, which was sold to us bank. At the time I was working part time making XXXX an hour. I got approved for a loan for {$88000.00}. I have been trying to sell the home for months in order to break even but no one is willing to purchase. At the time the under writer mentioned that the appraiser didnt even compare homes in the area but went outside my district. Also I was told by the broker that I didnt need to get someone ' to inspect the home because it was a condo. I feel like it was extremely predatory of them to try to just close the deal without my best interest, especially as a first time buyer.
Consumer complaint received 2020-12-25
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: Open Dealer Exchange, LLC (FL)

I was asked to be a cosigner but I wasnt aware that XXXX was going to do more than one hard pull on my credit. As you can see Ive been working extremely hard to build my credit during this pandemic to get help with buying me and my kids a home since I recieved a eviction notice. This has put me 2 steps backwards if I had known these hard inquiries would effect my score and it was more than one company checking my credit I wouldnt have volunteered. I am in a crisis and need help with remove these hard inquiries asap please.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NJ)

I am beyond frustrated with the level of customer service I have received thus far and am pretty much convinced Equifax is making it impossible for me to login to my account and put a freeze on my credit report. 

I setup an account and logged in last week. I was informed that my request can not be completed and that a pin would need to be mailed to me. I received the letter a week later and followed the instructions. My account was confirmed and I was instructed to login. I attempted to login and received a message to call Equifax. I call the number and I'm put on hold for 30 minutes and hung up on. I call again and press 1 to request a call back. I receive a call back 30 minutes later and the person is VERY RUDE and tells me they need to transfer me to a specialist. I am hung up on again. I call back and on hold for 15 minutes. I press 1 to receive a call back and receive a message that I already requested a call back and i'm hung up on again. I tried the online chat, explained my issue and am told to call the same useless number. 

I am very frustrated and don't know how i'm supposed to access my account to freeze my credit report to protect myself from fraud!
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I made a {$2800.00} payment to Wells Fargo for a promotional balance in the amount of {$2700.00} that was to expire on XX/XX/XXXX. I also had another promotional balance of approximately $ XXXX that I had just gotten and expired in XX/XX/XXXX. Most of my payment was applied to the promotion that I had just gotten and had longer before it expired. Now I am stuck paying interest and do not have {$1800.00} to pay off the balance so that I can stop paying interest. 
The bank said I made the payment too soon and that I needed to pay it off after it expired. That makes it very difficult to avoid paying interest and provides a very small time frame to make a payment. This may be legal but is not ethical and seems very tricky. I am sure other people get stuck in a vicious debt cycle because they are not allowed to allocate their payments to the balance that they need to pay off. I do not understand why this is not allowed by banks.