davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NJ)

I was granted {$50000.00} from the State of NJ Home Keeper program XX/XX/XXXX. The intent of this grant is to apply the {$50000.00} to your Loan principal to lower you monthly mortgage payment and help keep you in your home. Both my husband and I are XXXX and on XXXX. The bank Wells Fargo was sent the {$50000.00} back on XXXX XXXX, 2016. The bank sent me a letter for me to sign and send back to get the {$50000.00}. However the letter stated the following on how they were applying the {$50000.00}, {$470.00} for payment of principal ad escrow for XXXX XXXX and XXXX XXXX. 
( I already made my XXXX XXXX mortgage payment so I do n't know why they are taking it out of the {$50000.00}. Also I had my money in my account to pay XX/XX/XXXX and XX/XX/XXXX which they have not taken out of my account yet and I do n't understand why when the money is there they just not continue to take my monthly mortgage payments out. 
{$960.00} was taken out of the {$50000.00} for advances and I checked with the escrow department and they told me I am not behind on any escrow do I have no idea what the {$960.00} is for and to date the bank has not been able to tell me what this is for. 
{$44000.00} was what they are applying to my principal balance. 

The whole idea of this home keeper program is to apply it to your principal balance so you can reduce your mortgage payment and keep you in your home. So with what they are doing I am only saving {$100.00} a month on my mortgage which is not going to keep someone in their home. 

I have been trying to work this out with the bank since XXXX and they just keep telling me they are looking into it and if I do n't accept this I could lose the {$50000.00}. 
So I am going to have to sign the paperwork the way it is now but my complaint is the bank is not handling this {$50000.00} correctly. Can you please look into this for me. Thanks.
Consumer complaint received 2018-09-03
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. (MI)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance:XXXX
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX account # XXXX i open this up XX/XX/XXXX, deliquency have been reporting since then, its reporting on all XXXX bureaus, estimated date of drop off date was XX/XX/XXXX, and they are still reporting. i need this deleted asap
Consumer complaint received 2015-09-29
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

This car was a lease returned on time with approx. XXXX miles over the cap. Should have owed $ XXXX {$180.00}. The dealership said not to worry about it. 
Now GMAC is reporting a $ XXXXpast due balance on my credit report
Consumer complaint received 2015-08-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (UT)

I submitted a debt collection harrassment complaint against Home Depot - Citi. Case number : XXXX. They responded with a demand notice for payment. I went to pay that debt today the due date, even though XXXX days late. When I entered their site, I had to go to a credit center, then select the card I wanted to pay. It was very difficult to figure out what sign in to enter. I was registering for a Home Depot on line account when I realized it was no the correct place. In small print at the bottom of the form was - are you trying to pay a credit card, click here ... It was very deceptive and an attempt to gather my information for unecessary reasons. When I finally got into my account, I clicked on Make a Payment. The form took me to an update contact form. It required my home phone number, which is a cell, and I did not want to give it. I provided a work number instead. I removed my cell. On Save, it said, sorry we are unable to process this. I did this XXXX times, and it would not let me make a payment. I finally clicked on another menu item - Account Profile. In this form, it let me edit my information, and it did not require a phone number. They had also put my cell number in my home number field, which I did not do. I removed both, neither were required to save the form. After saving it, I clicked on Make a Payment, and it finally let me make a payment. The required phone number on the first request was deceptive, abusive, and their form did not let me make a payment. This kind of service is abusive, confusing, deceptive, unrealistic to consumers. Citi should be fined and forced to stop using these tactics they can not support customers. They harrassed me with XXXX calls a day every hour and then their stupid system would not let me make a payment. This kind of treatment HURTS the Home Depot brand. I 'm pretty sure this tactic was a abusive response to my creating a complaint earlier, which is AGAINST THE LAW to take action or treat me different on my account just because I submitted a complaint. They can not treat me any different based on race, etc. or if a complaint is issued against them. This is abusive and against the law and Citi should be held responsible for this unlawful and abusive tactic, just as they should be held responsible for the abusive and repeated calls.
Consumer complaint received 2016-04-07
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC (OR)

I already have a case going..Case number : XXXX I have received several calls since my last submission and I stopped answering the call. One call the man asked my father if he was related to me. Tonight I received a call and my father gave me the phone. I told the man several times I do not have a job and I do not have money to pay that bill at this time. He wanted to know when I stopped working and why and who pays my bills if I have not money to pay my bill, how to I pay my rent and cell phone bills. ( I live with my parents as I am their caregiver since I lost my job- I do not get paid ) All my bills are going to collections because I ran out of unemployment. I told him I was not going to explain myself again and he said he knows because they have been calling me. I hung up on him because I was tired of repeating myself to someone who does not speak proper XXXX and is hard to understand and would not listen. He kept repeating saying they needed to update their system on how I pay my bills and why I wont pay that bill. I told him how I pay my bills was none of his business and he said it was because if I am paying other bills they need to know why I have not paid them.. I told him I was not going to explain myself again and hung up. I was on unemployment and had to decide what bills had to be paid on {$260.00}. Their bill was at the bottom of the list and I ran out of unemployment and still have no job. I am tired of the harassment. If I had money to pay all my bills they would have been paid.
Consumer complaint received 2015-04-22
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (CA)

American Express offers promotions where if you make the necessary purchase they will credit your charge account with a stated sum. I routinely avail myself of these offers. In this instance I spent the required {$200.00} at XXXX and did not get the promised {$50.00} for using my Amex Serve card. .I did the same offer on my other Amex cards and got my credits within a few days. Their representatives assured me that i would get the {$50.00} credit ( all info herein is documented ) - that I needed to wait 90 days.After waiting the 90 days I resumed calling Amex to get them to fulfill their promise. Instead I ended up with their last response totally off target and making me want to pull my hair out! I have printed evidence that I enrolled my card during the proper period, spent the requisite amount during the correct dates, and an acknowledgment from Amex that confirmed all of the above. Over 120 days have passes and yet I am forced to file a complaint to get the {$50.00}. Very sad!
Consumer complaint received 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is a request per Title 15 1681i, Request for Description of Procedures used to Determine the Accuracy and Completeness of information verified that I disputed via CFPB Complaint # XXXX XXXX Submitted on XX/XX/. 

Unfortunately, I received results on XX/XX/XXXX  and I am requesting that Experian furnish the names of who they spoke with along with their addresses and telephone numbers. I am requesting Experian provide evidence of the reasonable procedures used to to come to such a conclusion that led them to verify these items. 

The basis of my dispute is I did not give PERMISSION for these accounts to report and Federal Law states it is an illegal act according with 15 USC 1681 Section 602 states I have a right to privacy and Section 604 states a credit reporting agency can not furnish an account without my instructions. 


If Experian can not provide the information I have requested in accordance with 1681i then delete these accounts. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I disputed n accordance with the Fair Credit Reporting act Account Name : XXXX XXXX Account Number : XXXX Balance : $ {$19000.00} has violated my rights On XXXX XXXX I sent a letter to XXXX  for proof of original agreement. I haven't receive my documentation of proof instead a letter stating the account has been verified but I need to know how the account was verified. Furthermore, they are continuing to defame my character in my credit report. I have attached a printed document of them changing their remark reducing my credit score by XXXX points. This is grounds for removal and if this account continues to come back verified without the proper documentation, I will be forced to take further action. 


15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. 

Also, the credit bureaus took more than 30 days to complete my investigation. 

According to U.S.C 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of failure or damages of less than {$100.00} and not more than 1,000.

I want 1,000 per violation, or the item immediately removed from my credit report.

Violations : 15 USC 1681 ( a ) ( 4 ) rights to privacy.

15 USC 1681 ( b ) ( e ) false information.

15 USC 1681 ( b ) did not use way is fair and equitable to the consumer in reporting negative allegations without written permission 15 USC1681b ( a ) ( 2 ) need written permission.

15 USC 1692 ( f ) 15 USC 1681n
Consumer complaint received 2016-09-18
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NC)

I signed up for the American Express Platinum card offer of XXXX points for {$3000.00} spend in the first three months. This application was submitted and approved on XXXX XXXX, 2016. The points became available in my account on XXXX XXXX, 2016. After being unable to use them, I was advised my account was under review and would take 6-8 weeks to process. After 8 weeks, on XXXX XXXX, 2016, I had American Express submit an escalation. On XXXX XXXX, 2016, I finally received a voicemail to call in. 

When I called in, I was told my points were removed for not fulfilling the terms in receiving the points. Originally, I was told, by representative XXXX, that even though I had over {$3000.00} in qualifying purchases it was because I had some non-qualifying purchases in there and it had to be the FIRST {$3000.00}. This is not consistent with the terms, so we escalated to a Manager, XXXX. The Manager informed me that they do not know the exact decision, but there are no ways to appeal or speak with someone regarding that decision. 

I believe that I satisfied the requirements with over {$3000.00} of qualifying purchases within the first 3 months. The points were unfairly removed from my account. 

Throughout this process, American Express never sent any communication to me to inform that my account was under review or what the status of this review was. I needed to call in to find out any details. Only once my final escalation was resolved did I receive a voicemail to ask me to call in. At this point, the decision was made. I was never afforded any opportunity to discuss my situation with American Express. Even if there was not enough of qualifying spend, the practice of awarding the points early and then creating a window of review that goes beyond the qualifying window is very deceptive. If points are later taken back, and extension should be granted to allow the customer to make up the difference.
Consumer complaint received 2015-03-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (OR)

I opened an account with M & T bank online on XXXX/XXXX/15 and immediately funded it with an automated transfer of {$500.00}. A little over a week later I got a letter requesting that I fax in a copy of my DL, Social, and utility bill for address verification which I did on XXXX/XXXX/15. Fast forward to today, XXXX/XXXX/15 and I have not heard anything back so I called M & T bank to find out the status and I was told that they still have not reviewed it and my {$500.00} was on hold. I demanded that my account get shut down and my {$500.00} returned but I was told that could not happen until they reviewed my information that was faxed and released the hold on my account. I asked how long that would take and I was told it would take as long as they want, which would render my {$500.00} hostage until they got around to figuring stuff out.
Consumer complaint received 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00}
Consumer complaint received 2017-02-09
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

i did a modification through mortgage servicer. Just prio to the modification they sent me a change of interest, reducing by 1.5 %. They refused to honor it, stating it was ubder XXXX guidelines, but XXXX states they do n't own the loan. I have complained to them several times, they said they do n't have to honor it. They wont accept the payment based on the new rate, which will change in XX/XX/XXXX this year and agin to the orginal in XX/XX/2018 When i intitiated my modification they did an analysis that showed it was {$25000.00} less than wed but never reduced the principal,, stating they do n't have to follow hamp guidelines
Consumer complaint received 2015-07-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

We purchased a house in XXXX of XX/XX/XXXX and used a reputable realtor and title company. We purchased the house free and clear. In XXXX of this year Chase put our home up for auction and listed it on the XXXX County website. Our mortgage is not with Chase. Our title company researched it and told us it had been removed from auction and that Chase admitted they made a mistake. Two months later we received a letter from an attorney offering help with our foreclosure. We immediately checked the XXXX county website and sure enough our house was listed to go up for auction, again by Chase who does not own the loan on the home. We purchased it from XXXX XXXX with XXXX. He bought it from XXXX XXXX who was deeded the home by XXXX XXXX. XXXX died in XX/XX/XXXX. Chase is trying to foreclose on a loan from XXXX XXXX and/or XXXX XXXX. Our title company ran a check on liens and it was free and clear for us to purchase. Chase needs to fix their mistake and stop harassing us.
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (TN)

2 months ago I received an XXXX Chase Credit Card that I did not apply for. I immediately called Chase customer service to report my concern/close account. Chase customer service sent me to their fraud department. They asked me a series of questions, they put an alert on my account. I have XXXX credit card XXXX chase visa card through XXXX rewards program ) and sent me some free fraud education material. I checked my credit report, nothing popped up on there as of XX/XX/XXXX. I am not an amazon member, my wife is. 

I just received a phone call from Chase today ( XX/XX/XXXX ) asking me if i applied for an amazon card and I said no. He started to ask questions ( personal info ) so I hung up. Nothing is on my credit report etc ... what can I do ... .who should I call. 
Thanks
Consumer complaint received 2020-04-29
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX my debit card was stolen and it was used in all this places 1- at XXXX {$100.00}, 2-XXXX {$780.00}, 3- ATM at XXXX XXXX CA {$700.00}, 4-XXXX {$350.00}, 5- XXXX {$400.00}, XXXX {$820.00}, 6-XXXX {$610.00}, XXXX  {$1000.00}, ATM at XXXX XXXX CA {$300.00} . The total amount of the money stole was {$5100.00} I reported all this to my bank which is WELLS FARGO. All this transactions were made around XXXX and I never got a notification of my bank asking if the person using the card was me. Also as soon as I find out about this transaction I reported to my the bank and let them know this wasnt me. The bank ( XXXX XXXX ) did a investigation and less than one week my claim was declined with no further notice, I ask the bank to give me an explanation and they tried to avoid to talk to me. I believed, I did the correct and right thing which was report it as soon as possible to the bank and also to the authorities ( police ) I filled a repost as well. 
I also believe the bank should freeze my account when they see any type of strange activity and they did not do anything about it. As a customer I feel discriminated because they didnt want to hear about what happened the moment my card was stolen, I also was part of a violent crime. At this moment I tried everything I could so the bank can give me a solid reason for why they declined my claim.