davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

I applied for a loan modification with XXXX XXXX XXXX in XXXX, never missed a payment, supplied requested documentation multiple times. They played games and avoided providing the government modification program I was eligible for that provided for $ XXXX {$100000.00} HAMP reduction in principal because I never missed a payment. I attended a XXXX event to push it through at which point B of A said their computers were down and they could not do it, then they immediately sold my loan to Green Tree to avoid modifying my loan. Green Tree did modify the loan, but they failed to provide the government incentive for not missing a payment. This was clearly a Bait and Switch. In at least three recorded phone conversations ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and one letter XX/XX/XXXX customer service representatives mentioned the incentive to me. Green Tree sold out to diTech. About the time my 5 years of no missed payments occurred and I should have received my incentive reduction from my principal, diTech filed for bankruptcy. I requested my principal reduction and have been denied it stating that I am not eligible. I believe this is fraud and that someone absconded with my government incentive funds. Please investigate and advise. Thank you.
Consumer complaint received 2020-11-12
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. (OH)

I have gone over my file and I noticed that there were a few errors in file. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My SS XXXX DOB XXXX. Please delete/remove any other address from my file. The following addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX APTD XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I have an unverified account from XXXX XXXX Account # XXXX. Please tell this company to cease and desist all contact with me until I see the documents or some type of contracts and negotiable instrument.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (SC)

I was ar home depot. As I checked out and was ready to use my bank card the teller asked me if I had a home depot card. I replied no. She told me if I signed up for a card I would get a 15 percent discount on my purchase. I hesitated and asked how long it would take? She said one minute. All i needed to do is write my name address and phone number. I wrote the info down along with my XXXX XXXX address. She said your all set. You will be getting your card in 10 to 15 days. I then went to swipe my card and she said not to pay until i receive my bill. I thought about it as it was only XXXX dollars or so. But i was glad i got the 15 percent discount. So i walked out the door. This was in late XXXX. I saw no bill in ten to fifteen days. Forgot about it. Finally got a bill in late XXXX or early XXXX. It. Had no Home Depot card and came with a XXXX dollar late fee. After several phone calls, prompts and getting nowhere I talked to a real person, whom I told that this was the first bill I had gotten. They were rude and acted like I was lying. I was so fed up I hung up the phone. Didn't no what to do or who to call. I thought I was being scammed. Making several more calls I realized I was dealing with Citi bank. At this time after many phone calls, being on hold for hours, I talked to a woman who gave me the home depot number. Talked to a supervisor who looked up my account info and said that they sent it to an address in New York that I hadn't lived at in ten years. Not once but the bill was sent there twice. I had a home depot card, but threw it out ten year ago. He understood the problem and I said would pay the bill for my purchase. No. Late fees. He said fine and sent me that bill which I received a few days later and payed.XXXX. Dollars. I was so stressed out that l swore never to shop at home depot again. One month later I got another letter from home depot. Thought it was my card that I planned to cut up. Inside no card with another bill saying thanks for my XXXX payment but now i owed XXXX with fees and interest. I nearly lost it. On the phone again with some girl, told her the whole story, she finally said she would get a supervisor on the line. This was Citi bank by the way. Finally after being on hold for ten minutes he was on the phone. He sounded like he was XXXX years old. I told him the whole story and about talking to home depot man. He told me like he was doing me a favor, that he would nock off one late fee. Before l lost it l hung up the phone..l know owe XXXX dollars interest and late fees and paid for my purchase when sent the bill. I'm all stressed out, my credit will suffer, I talked to a lawyer, he said we would win but lawyer fees would be more than I owe. He told me to call the attorney general. I did and she gave me this web site. These loanshark credit card companies are doing well during the pandemic. Thank you for anything you can do. Will supply documents if necessary.
Consumer complaint received 2020-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

Chime bank dispute claim id XXXX My mobile device was stolen on XX/XX/20. 
Was reported stolen and service suspended next business day on XX/XX/20. 
On XX/XX/20 I attempted to login to my Chime account via alternate device using WiFi. Access was denied because I had two factor authentication synched with original mobile which was stolen. 
On XX/XX/20 with the help of Chime agent, We changed the contact number in Chime account to the temporary WiFi number so I could gain access. 
On XX/XX/20 Chime support responded back saying they'd updated the number. 
So I logged in right away. 
That's when I noticed the fraudulent transfers that Im disputing. 
How it was done is really not up to me to determine. I just want the funds that were stolen from me. Though it may not seem like a lot if money, It's important to me and I will take the necessary steps to see that it's returned. I am in no position to just give money away.

My suggestion is for our investigative team to due diligence and take a closer look perhaps at the digital footprints that all transfers leave. I would imagine by using some sort of algorithm they should be able to track exactly what account it went to and taking it a step further to check for similar suspicious activity on that account. This is Bank Fraud. This is also my way of assisting the investigation by providing logical information. There is no way I could have done the transfer because I was locked out of my chime account when the theft happened. .All they have to do is look closer at the timestamps in which I interacted with the Chime agents to see this. Right is right. I want my money back and shouldn't be forced to have to open another bank account elsewhere. Now I have also been finding multiple reviews that had similar situations in which Chime is refusing to acknowledge stolen money from account and replace the federally insured funds for it's customers. 
If someone steals your money, you should be able to recover it.
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Avant Credit Corporation (GA)

my name is XXXX XXXX, on XX/XX/2020 i was approved for a line of credit with avant llc ( avant credit card ) address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX illinois il XXXX. I received a email advising me the card was on its way and in 10 days it would arrive, i called after the 10 days and then was told it would take 15days. after XXXX XXXX i contacted customer service # XXXX and was informed a new card would be sent out, and would take 15days. after XX/XX/2020 i called again. and they informed me they would escalate my file and issue a 3rd card out. this is ridiculous to say the least. i ve gotten emails from XXXX, privacy dept of avant.com etc because i expressed concern that the XXXX annual fee billing statement was sent to me mid - XXXX requested a XXXX payment on XXXX. i have had timeless dialogue with avant. and informed them none of the 2 prior cards arrived or has been activated. they told me i wouldnt have to pay the annual fee unless the card was activated & used, however they placed it on my credit report as a balance on a card i dont even have!! i requested the card cancelled and removed from my trade line completely. month to date i get the run around. i need help. web bank / # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX utah XXXX is the issuer of card that was supposed to be dispersed from nebraska. i totally frustrated with the lack of progress and many 15 day excuses, .my credit score has been lowered by 61points because of this bogis card apparently and no one has the answer as to if the card will ever come, or how the company will repair the damage to my report for a card i have never received. please assist me month to date the problem is still ongoing,. 

XXXX XXXX XXXX
Consumer complaint received 2020-08-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NC)

On XX/XX/2020 Dovenmuehle received a mortgage payment in the form of a money order in the amount of {$500.00}. They applied the funds to the mortgage as a payment. See attached statement. The next day they reversed the payment out calling it a " Long Form Misapplication Reversal ''. See attached statement. We have called them and emailed them asking why and what has happened to the payment. Todate we have had zero response or anyone on the phone that can help us. Thank you for your assistance.
Consumer complaint received 2020-08-04
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: Experian Information Solutions Inc. (TX)

I have filed my identity thief report, my police report, submitted it to XXXX XXXX XXXX XXXX an Experian they removed this account from my report on XX/XX/XXXX I received an update on my report to my name as XXXX XXXX XXXX I contacted Experian to find out XXXX XXXX XXXX XXXX added the name to my file and updated documents to Experian in this name an they unblocked it after having my reports showing this name was used to open accounts. This is a fraudulent account from XXXX XXXX XXXX XXXX in someone else name! NOT MINE ITS IDENTITY THIEF! They have the reports!
Consumer complaint received 2022-07-13
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : + Equifax : o XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} o XXXX XXXXXXXX Balance : {$26.00} o XXXX XXXX XXXXXXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXXXXXX Balance : {$0.00} Equifax : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX  XXXX Balance : {$26.00} o XXXX - XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX - XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-08-04
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: U.S. BANCORP (TX)

Bank : US Bank Reliacard Texas Unemployment Benefits XX/XX/2020 : The bank 's website rejected my password and forced me to re-set the password. 
I encounter consistent problems trying to log in to their website. 

XX/XX/2020 : Four attempts to use the card for purchases and a withdrawal of cash at an ATM card were declined. 

Their website has no forms to contact them, no email, no fax, no physical address, and no way at all to contact them except to call an XXXX number. 

That XXXX number repeatedly kicks me off the line, and when it does not kick me off it has wait times well over an hour and more. Have been unable to contact anybody from this bank. 

I am an old man, I need my money to pay rent and utilities.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My Student Loans are current and in good standing with XXXX  XXXX XXXX, however my Experian report shows the same accounts as delinquent. This is False, I contacted US DEPARTMENT OF EDUCATION/XXXX  on XX/XX/20 and they said the correct information was submitted to Experian on XX/XX/20 showing the accounts are paid in full and not 180 days past due as it is being falsely reported by Experian. Experian has failed to update my credit report with the accurate information after US DEPARTMENT OF EDUCATION/XXXX has already submitted the accurate information to them. 

As a result this has hindered me from obtaining new credit, purchasing a home, business expansion as well as unwarranted stress having to deal with having negative credit which is in turn causing me to seek professional help for calmness as I feel emotionally distressed & powerless over my own credit report.
Consumer complaint received 2020-12-23
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: CITIBANK, N.A. (IL)

A couple of years ago I filled out for a Citibank card at Costco thats when the problem started I never did use the card the following year I did pay the annual membership and then ask them to close the account as I dont use credit cards however it never got closed someone from Washington got a hold of it continue to use it and it sat and sat and sat on my credit report as a late fee over 120 days plus I believe now all three credit scores have gone down Ive always been in the XXXX and now in XXXX Ive asked account to be closed at citi
Consumer complaint received 2020-12-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (IL)

My name is XXXX XXXX, # XXXX During Covid-19 Pandemic Wells fargo offered, their customers a 3month Deferment option, total 60 days allowance. With that, they just putting the payments at the back. Now when i called, to first get the Defer, i asked about Refi, cause i am now on XXXX, not working, and of age, that i do not want to carry out the Loan, for 5 more years. I am born XX/XX/XXXX. The car is XXXX, XXXX XXXX. With Gap warranty, which is a scam as well. Now, i call again, in XXXX, for Refi, they are no longer offering that, nor defer. But, when i did the defer, the first time, secon time, that carried my loan, until XX/XX/XXXX. I received something in the mail, says is now stretched until XX/XX/XXXX. Cause of new defer, in which its not. I called them, yesterday. Neither manager, or rep know why its a year off. I already, wanted to end my business with them, when the CEO<president of the company made the XXXX, remarks about XXXX. That offended, me, millions of others, as the consumer. So today, i want to know why, if we want to, are not allowed to refi, get less of a burden, or bills right now. Or payment be adjusted, do to lost of income, cause i would still be working if it wasnt for the XXXX, at least until i retire. I would like, something done. To shorten, term, lower payment. 
I think right now, its bad to prey on the consumer. Elderly espescially.
Consumer complaint received 2020-12-23
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2020-12-22
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: JPMORGAN CHASE & CO. (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, JPMCB - CARD SERVICE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (ND)

I went to the ER in XXXX NE in the summer of 2019 while traveling. I first went to the VA XXXX  in the same town, as I am a XXXX veteran with a XXXX  XXXX  rating, and they couldn't care for me there so they sent me to the ER at XXXX XXXX XXXX. The VA XXXX  talked to the VA XXXX  in XXXX ND to gain access to my medical records and obtain an authorization number for my ER visit to be billed to. The authorization number is XXXX through XXXX. The authorization was faxed to the hospital ER and I also hand delivered a hard copy to the triage intake team. Within a few weeks of the visit I checked with the VA and they said it was paid in full. A few months later I started receiving threatening phone calls and a couple of letters from a debt collector called CMRE. CMRE said I owed some company called Virtual Radiologics for the ER visit and if I didn't pay right away they would ruin my credit. They said they could take a portion of my XXXX pension to pay off the bill as well. I gave CMRE the authorization number and told them to contact XXXX or the XXXX ND VA XXXX if they didn't believe me. They refused to accept the authorization and refused to talk to the VA or XXXX. Now they have illegally placed derogatory info on my credit reports. They are refusing to remove the derogatory info and they have called to harass me from several different phone numbers. After each time they have called to demand money and say they will take my pension I block the phone number. 
What CMRE is doing is a clear violation of the rules of the FCRA. I contend that XXXX XXXX  and XXXX XXXX XXXX are also complicit in this matter because they had the authorization number from the beginning and could have put a stop to this, but they have refused to discuss this issue with me and refuse to talk to the VA or XXXX to help settle this matter. I need the derogatory info that CMRE put on my credit reports removed immediately.
Consumer complaint received 2020-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

We have been trying to get NewRez/ShellPoint Mortgage Servicing to sign a SUBORDINATION, NON-DISTURBANCE AND ATTORNMENT AGREEMENT for 7 months and they will not respond. This will cost the homeowner over XXXX XXXX dollars over the life of the lease. Please help us.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION (CA)

I had a transaction on XX/XX/2020 in the amount of {$51.00}. The merchant agreed to refund the charge. The refund never was applied to my account. I had no choice but to file a dispute. I provided a copy of the merchants email stating they will refund my money. Comdata told me I must wait the 5-7 days. I waited the 7 days. I was told by comdata to file another dispute again. Now I have waited more than 10 business days. Comdata supplied me an email stating they have posted the {$51.00} provisional credit today. They never did post that to my account. They flat out maliciously lied and are trying to test my knowledge. They are very un compassionate and rude in this regards. Now they are telling me I need to file another dispute ( which would be the 3rd time for this same transaction ) I will attach emails from Comdata
Consumer complaint received 2020-11-11
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-11-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

experian has liedd about my personel info as incorrect.my ss was posted on my cfpb report and was sent to experian.they are using these lie because i have issued numeerous cfpb complaints and they are trying to my hinder my legal rights to use the cfpb