davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (TX)

This is an issue related to a Citi Home Depot Credit Card XXXX. In XXXX of XXXX I was notified that another Citi Home Depot customer was using my social security number. I contacted Home Depot Customer Service to no avil. I submitted a complaint through CFPB see.. XXXX. I provided Citi Bank with a copy of my Texas DL, my XXXX passport, and a copy of my social security number. Citi initially denied my resolution and advised that I needed to get a letter from Social Security to prove that the social belonged to me. I scheduled an appointment with the XXXX social security XXXX. They provided me with a statement that showed that the social security number belonged to me ( XXXX XXXX XXXX ) and not XXXX XXXX. Upon submitting the information, Citi reached out to me and advised that this was an internal mistake and they would remove XXXX XXXX from my social security number. They also credited my Home Depot account a {$100.00} for my trouble. Fast forward - I was shopping at home depot on XX/XX/XXXX and XXXX/XXXX/XXXX. As I was checking out, using my home depot credit card - I notice that XXXX XXXX has been added back to the account using my social security number. How can Citi Bank get away with this practice? I'm more concerned now, since have given Citi more of my personal business such as additional credit cards and a savings account. I am concerned that they are allowing others to use my social security and is not taking this issue serious. I am also concerned that your company closed the account without having showing the final outcome from Citi Bank. 
As of XX/XX/XXXX - As per Citi - this issue is with Home Depot Point of Sale and not Citi Bank.
Consumer complaint received 2023-05-02
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. (GA)

Formerly, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$120000.00}, XXXX XXXX Balance : {$36000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-02-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (TN)

Complainant is alleging that Wells Fargo acted not in his/her best financial interest by having him/her to agree to a second loan modification on XX/XX/XXXX, that lowered the interest rate from 7 % to 5 % but extended the FHA mortgage maturity date by another XXXX  years ( until XX/XX/XXXX ), which is not what the complainant agreed to. In fact, the Complainant does not even recall requesting a XXXX  loan modification from Wells Fargo because he/she had already completed a XXXX loan modification from Wells Fargo in XX/XX/XXXX. The terms of that loan modification had a maturity date of XX/XX/XXXX and left the original interest rate at 7 %. Complainant is alleging that the mortgage on his/her property should now be paid off, based on the XXXX  loan modification. The unpaid principal balance was {$44000.00}. That loan amount from the XXXX  modification still shows up today on my mortgage loan from XXXX. 
However, under the terms of the XXXX  loan modification, the unpaid principal balance was changed from {$44000.00} to {$51000.00}, and the maturity date was changed from XX/XX/XXXX to XXXX/XXXX/XXXX. To this day, the " revised '' unpaid principal balance was never reported as the loan amount on the Wells Fargo app that is being used to pay the mortgage on a XXXX  basis. The {$44000.00} unpaid principal amount is still showing as the " original loan amount '' on the Wells Fargo app. The bank is refusing to acknowledge that a costly mistake has been made by extending the maturity date. This mistake is causing undue financial stress on the Complainant who believes that Wells Fargo has committed FHA mortgage fraud in the processing of the XXXX  loan modification so that the customer will at some point in the future default on the loan, enabling the bank to foreclose on the property. 
Complainant has tried to work with Wells Fargo to resolve this situation, but the bank is not willing to own up to its own mistake. Complainant would have never agreed to pay a mortgage on his/her personal residence for a period of XXXX  years. The FHA mortgage originated XXXX and was assumed by the Complainant in XXXX. The maturity date on the original mortgage was supposed to be XX/XX/XXXX. However, by Wells Fargo executing the XXXX  loan modification, the bank saw fit to make more money off of the Complainant by extending the loan maturity to XX/XX/XXXX. Complainant alleges that the bank did not act in the best financial interest of the customer and was only trying to increase bank profits by offering an absurd XXXX  loan modification that clearly violates the Complainant 's consumer rights.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2024 I noticed XXXX transactions on my debit card dated XX/XX/2024 that I had not authorized. The transactions were as follows : Store Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$50.00} I had immediately contacted American Express XXXX and reported the unauthorized transactions. On the following day, XX/XX/2024, I uploaded the declaration of fraud statement to the Serve website as the company had requested. 

As of today the company has not removed any of the disputed charges from my account and has not acknowledged in writing that it is working actively on resolving the disputes. 

As of today I do not have any funds to pay my bills.
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I have sent the collections company LVNV/ Resurgent Capital Services , a dispute letter via email responding to them for continuously emailing me regarding this matter to stop. Then had to mail a dispute letter requesting for them to both stop emailing me along with mailing me regarding this. In which the emails were bait to invite them to start mailing me because the first letter they sent tried to say I had inquired about the debt when I had not. Also they have sent me several letters with the same one statement that looks altered, with no account number on the letter, and an account number the said original creditor XXXX XXXXXXXX XXXX doesn't even have on file. I mailed the Collection company disputing this one credit card statement requesting them to send me the original agreement with my signature, a full break down of amount owed from the previous months to the current date of the statement sent. And all they have sent back was that one same credit card statement along with a small account summary report typed up and made by them Resurgent Capital Services on behalf on LVNV funding that has no itemized break down of charges, fees, dates etc. So I am requesting for this company to stop contacting me regarding this along with to stop trying to collect or even to try and sell this debt to another collections company to harass me like this company has been doing.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NY)

My information was sold and bought legally because I was a victim of XXXX data breach.I want these items deleted from my credit report effective immediately. I'm attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts for my credit report. Lvnv funding LLC account number # XXXX
Consumer complaint received 2024-02-11
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: AutoNation Enterprises Incorporated (GA)

I was trying to buy my first home and i realized there were damages on my credit report. According to 15 U.S.C 1681 law there should not be any damages on my credit report, because that is a defamation of my character. I have tried to reach out to the creditor myself with emails and letters I was told my the creditor to " JUST FILE A DISPUTE AND IT WILL BE FIXED '' Well i did just that and they did not send any proof asked in the dispute and they did not fix anything on my credit report. I have been going back and forth with this company for 2 years. The ACCOUNT CLOSED DATE is reporting as XX/XX/XXXX which is INACCURATE. THIS ACCOUNT WAS CLOSED ON XX/XX/XXXX. Attached is the original copy of the agreement letter from XXXX XXXX and the receipt paid on XX/XX/XXXX. This also makes the status of this account incorrect.
Consumer complaint received 2024-02-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (FL)

Santander was under litigation between XXXX which my account falls under.I want to dispute this account for deception due to ligation of predatory lending practices and was settled and the company was found at fault.This account is a charge off with a balance which is incorrect. 
I never received an IRS form to write this account off for a sold account from santander and reporting a balance and not the amount the car was sold for.Inaccurate information.By law, this is a violation of my consumer rights.
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I have been trying to use my XXXX XXXX XXXX XXXX card from Citi for nearly XXXX weeks now. Every single time I have tried to use the card, my card declines due to account verifications. I have submitted a " letter '' with a pin number sent to my home, I have verified using other methods as well such as phone number, but have been denied services to this nearly XXXX $ annual year credit card. Over the past month I have attempted to put nearly XXXX onto this card in purchases, but have been refused. I got this card to hit status with XXXX XXXX, but due to Citi 's system have been unable to due to these problems. I have opened a case with Citi XXXX XXXX XXXX but to no avail, so I am finally taking appropriate measures to resolve my issue.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (FL)

I looked at my XXXX credit profile and seen that there were unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Feb/Destiny Bank
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo has been mailng mediation request forms pertaining to unauthorized accounts opened by Wells Fargo reps for several months ... I've filled out and returned a total of XXXX or more so far, acknowledgment letters are received, provided tracking numbers including XXXX, XXXX, XXXX is the most recent one dated XXXX When I initially called number on letter XXXX, I was told call will be disconnected, referred to prior mediation, tracking id XXXX, in which case, no payment received from that mediation.. payment sent to an old address after I moved, no proof of address verification provided. I've called most recently, told all mediation efforts have been exhausted which refers to prior mediation, no payment received as stated prior. The call was regarding the last tracking number, XXXX As the CFPB can see, these mediation request forms are a mere run around, future forms will be refused.. I request the CFPB look into this behavior, fine Wells Fargo for opening unauthorized accounts in my name including account ending in XXXX, a checking account and most recently, a Jewelry account, Designs By XXXX. Wells Fargo was previously fined by CFPB for handling of accounts such as ones named here, has little to no credibility.
Consumer complaint received 2023-05-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MD)

My payments are and have not been applied correctly to my loan. My balance on the loan of my mortgage is incorrect as well as my escrow account. Never notified of changes made to account, when there is shortage in escrow I am not made aware of it until I look at my statement to find out what this amount is on my statement. My balance is rising because they are adding {$200.00} and {$300.00} hundreds of dollars concerning as payments whic my escrow ich is causing my mortgage to rise without my knowledge, and trying to say my taxes are rising which i don't on the statement any changes. Taxes coming and I don't know for what because they don't say on statement whether it's hazard, flood etc. I just need help and I have talked to lots of people at US Bank with no resolution, and hud counselors never have any answers.
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I submitted an application for a credit card with Bank of America in XXXX. Account was approved and account opened. 
In the end of XXXX Bank of America again ran my credit report and subsequently opened another credit card account that I did not request. 
I reported this fraudulent activity to Bank of America and requested that the account be closed. XXXX hours later the account has still not been closed
Consumer complaint received 2024-02-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

The company has a scheduled payment every 2 weeks, when I log on their website and make a payment and pay more than the minimum payment, the company does not apply the extra payment towards reduction of principal amount, they instead move next payment date months out and continue collecting daily interest. This is after their App specifically states that extra payment will be applied towards the loan balance which never happens. I am unable to pay down my principal balance in order to reduce the interest charged on my account. They prioritize interest over principal reduction even when the payment amount is over the minimum amount and they stop automatic payments until they have collected interest from the overpayment.
Consumer complaint received 2024-02-10
Product: Credit 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: JPMORGAN CHASE & CO. (TX)

I made a complaint about these XXXX transactions on XXXX XXXX XXXX XXXX XXXX : {$180.00} - XXXX : {$500.00} Chase concluded the investigation and stated I was responsible for them because they came from my XXXX wallet. 

I never made these charges and expressed that to them. 

Chase claims I had to because it was on my phone but theres no transactions reflecting that on my actual phone transaction history. 

It was denied today on XX/XX/XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX XXXX XXXX, and I am pleading with you to remove them immediately.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (PA)

On XX/XX/2024 I sent an Identity theft letter to XXXX XXXX XXXX, ALLY FINANCIAL, ALLY FINANCIAL. I have not received a response nor has XXXX  XXXX XXXX, ALLY FINANCIAL, ALLY FINANCIAL. 
complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on XX/XX/2024 and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and requests made by the consumer. XXXX XXXX XXXX, ALLY FINANCIAL, ALLY FINANCIAL. have not made one call or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer 's request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the consumer 's report, as by lack of response and documentation requested signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NJ)

Chase Bank is now forcing consumers to agree to online/mobile banking. when you attempt to access your account info, you get the following response. 

Accept Disclosures and Agreements Please choose " XXXX '' after you accept the terms for the agreements. If you don't accept them, you won't be able to see or manage your accounts online. 

Online Electronic Disclosure and Consent XXXX pages XXXX XXXX XXXX XXXX Here is just one questionable excerpt : You agree that for all Communications for all Accounts and Services we may ( i ) use Electronic Delivery and, at our discretion, terminate paper delivery In order to access, view, print and retain electronic Communications, you must have : Access to a device ( e.g., computer, smartphone, mobile device, tablet, etc. ) suitable for connecting to the Internet, or downloading our mobile apps with the Current Version ( as defined below ) of ( i ) an operating system, such as Windows, XXXX XXXX, XXXX or XXXX, and ( ii ) a web browser, such as Chrome, XXXX or XXXX, that we support. 

A connection to the Internet ; Local electronic storage capacity to retain Communications and/or a printer to print them ; A valid e-mail account and software to access it ; Here is another : You agree that we may send you information related to the Mobile Services ... ... .You understand and agree the Mobile Services may not be encrypted and may include personal or confidential information about you*, such as your account activity or status Since this program was instituted, I don't receive my paper bills. I call and they ask if it only Chase that i am not getting mail from. Next the XXXX XXXX must be the culprit. 

I don't think Chase should be able to force or punish consumers who do not comply with their wishes.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern : I am contesting any information on my credit report that I believe is not accurate. The data included in the copy of this document has not been verified and should be documented before it can go onto my file as a result! The report that you have received is not accurate. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it doesn't meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all of your claims need to be accurate and reported in the correct format. This requirement goes by two names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ), Metro 2I demand proof of how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to investigating these suspected claims on your end. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove the information from my report. I also would like for you to mail me a copy of your actions and my updated credit report. The information you have provided does not appear to be accurate or verified. If any of these claims are false, please delete them immediately! I have 30 days to dispute this information and will need proof of your investigation before anything is updated on my credit report.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Uplift, Inc (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.