davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY (HI)

Back in XXXX of XXXX I attempted to get a loan remediation and foreclosure relief, and Wells Fargo blocked me every step of the way. I actually had to hire a loan specialist from a competing bank to ask for the proper paperwork and assist me with filling it out *AND* join in the conference calls in order to basically force them through the remediation process. 

Also, as part of that remediation, I attempted to get my ex-wife, XXXX XXXX, removed from the loan, as we were divorced. I was awarded the house ( and associated debts ) prior to the remediation, and had a quit-claim deed already signed by her, all of which has been submitted to Wells Fargo ( several times ). 

At that time, they reversed and reapplied a bunch of payments as part of the mediation and I informed them at that time that those numbers were not adding up, and they assured me it was correct on their end, and the discrepancies were simply " display errors. '' Now, 11 years later, I have received checks in the amount of {$2300.00} ( XX/XX/XXXX ) and {$1700.00} ( XX/XX/XXXX ), made out both to myself and my ex-wife " XXXX XXXX XXXX. '' Me and XXXX were divorced several years before the remediation ( and documentation provided ). It is not possible for me to even create an account with both our names on it because " XXXX XXXX XXXX '' literally does not exist anymore. We haven't spoken in 15 years, and her whereabouts are unknown. 

I called Wells Fargo on XX/XX/XXXX regarding the {$2300.00} check and they asked for my divorce decree ( again ), to be sent to XXXX I had to PAY the court to release my old divorce decree, sent it in, got verbal confirmation over the phone, and said I would get my new, reissued check in 2-4 weeks. 

Four weeks later, I received the XXXX check for {$1700.00}, again made out to myself and XXXX. I never received the 1st check. Now they are telling me it could take up to 45 days to receive my reissued checks, and they CAN NOT reissue any checks without written permission from my ex-wife despite the existence of my divorce decree ( pre-dating the remediation ) and the quit claim deed. 

I have attempted, several times over the course of this mortgage, to get my ex-wife removed from this loan, and sent in my paperwork multiple times to Wells Fargo, including when I did my remediation, and Wells Fargo has refused to update my loan and title. I eventually had to refinance with a different bank to remove my ex-wife from my property, and now, 15 years later, I am still being defrauded by Wells Fargo and I demand immediate resolution.
Consumer complaint received 2024-02-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

I opened a credit card on XXXX XXXX store. The statement and the card got to my after the due date but nevertheless I paid for the products I purchased. However, the company charged me late fees. I told them that it was not my fault receiving the statement after the due date and requested to cancel the credit card and wave the late fees. Company did not cancel credit card and it has been charging late fees and interest that now amount to {$190.00}
Consumer complaint received 2024-07-15
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. (NM)

I sent JP Morgan Chase absolute proof that I was in a different location the exact minute when my credit card was fraudulently charged for {$130.00} by an individual who obtained a " merchant '' account. Details below. I believe that Chase 's refusal to reverse the charges is evidence that the company ( and XXXX XXXX in particular ) is supporting criminals who steal money from American citizens. 

The individual with a " merchant '' account is a known criminal who steals credit card information. You can see an example online at ( XXXX XXXX XXXXXXXX ). I filed a police report and it is currently being investigated. I sent Chase a copy of the confirmation that it is being investigated by police. 

More importantly, I gave Chase a copy of a receipt showing that I was traveling in a different location at the exact minute that this criminal charged my credit card. The credit card was fraudulently charged on XX/XX/year> at XXXX Eastern Time ( XXXX XXXX, XXXX XXXX XXXX and my receipt from traveling with a different vendor was on XX/XX/year> at XXXX Eastern Time ( XXXX XXXX, XXXX XXXX XXXX. 

The Chase fraud department admits that they have no evidence that the criminal provided my any services. In fact, they didn't even contact the vendor to request evidence! They admit that they have a receipt that shows that I was in a different location. But they still support the criminal and refuse to reverse the charges. 

Given the proof of fraud, I can only assume that either the Chase fraud department is receiving kickbacks from criminals stealing money or that XXXX XXXX has told his employees to ignore fraud claims and support criminals who steal money from American citizens. 

I will be sharing information on my web page as well as every other place of the Internet about my experience with JP Morgan Chase ( XXXX XXXX ) facilitating theft. It is important to warn others about criminals and those who actively support criminals ( i.e., XXXX XXXX ).
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

I discovered two fraudulent transactions on XX/XX/XXXX ( as I recall ). Both were with XXXX 's at two different stores in Florida. I don't live in Florida. I immediately called Citibank upon this discovery and reported the transactions. They locked down my account and cancelled the card. I was able to cancel one of the transactions with XXXX, but the other one had already been closed out and the items picked up. 

I didn't hear anything back from Citi and a couple of months went by. I noticed the money had been charged back onto my card. Upon examining my online account more closely I noted some messages Citi had sent me that I missed asking for more information and showing what XXXX 's had sent back to them. They had closed my case due to lack of response. I had expected something to be mailed to me or a phone call, but that had not happened. I did get a letter later after the case was closed which apparently was delayed because of holiday traffic. Also, I work a lot of hours. I work XXXX hours a week at my day job and I run a XXXX XXXX XXXX outside of that. I had XXXX events in XXXX alone. 

I called them up after seeing it was closed. They said they would investigate further. The case didn't move after calling a couple of more times and it remained closed. I have emailed them several times. I emailed them a police report on XX/XX/XXXX. They still didn't take any action on the closed case. I called in again XX/XX/XXXX at XXXX XXXX. I was told they needed to cancel my new account number and log another case with fraud. I have not received any additional communication although at least now there is an open case. It has been sitting under investigation ever since meanwhile Citi is charging me 29.99 % interest for a fraudulent purchase I never made in the amount of {$770.00}. 

The person that committed this fraud according to XXXX 's lives at the store location where they committed the fraud. Furthermore, XXXX 's says they checked his ID and it was a valid government ID. You can clearly see this in the attached documents. This is what XXXX 's sent back to Citibank. Either they are incompetent or there is a fraud ring operating in the store and the staff is in on it. Clear cut case of fraud and I have submitted a police report stating as much. I don't understand what else there is here to investigate.
Consumer complaint received 2023-09-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY, 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CANNNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under U.S. Code 1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 ( A ). States I have right to privacy.

15 USC 1681 Section 604 ( A ). States a consumer reporting agency can not furnish a account without my written instructions.

I have not furnished consent via written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

The accounts listed are adverse items of information and are not convictions or crimes.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The accounts listed all also have inaccuracies and different information on all 3 major credit bureaus from open date, to ammount owed, and also monthly payments.
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (OR)

US Bank has refused to release insurance provided funds for required home repair in the amount of {$130000.00} and additionally incurred costs of {$65000.00} through todays date of XX/XX/2024. Criteria for releasing these funds changes with every call and is vague. The delays are preventing the repairs from being completed and the homeowner returning home.

- US Bank refuses to put in writing the criteria required to release funds.

- US bank has been asked to send a copy of the Escrow Agreement and will not. Claims division refers the issue to escrow/mortgage, mortgage refers the claim to claims division.

- US Bank refuses to provide a name/email/phone number to resolve this matter out of court. and will not provide a clear communication channel. The claim portal was closed. Any new documents must be faxed by the homeowner but the US Bank has changed the fax number 3 times.

- Homeowner has had to get claim and legal representation through XXXX XXXX XXXX in order to try to get funds released. An attorney has been retained to help but US Bank also refuses to respond to the attorney as well. US Bank was given authority to speak to authorized representative XXXX XXXX XXXX and the attorney. 

US Bank is clearly obfuscating the communication and will not provide the items required by law- a clear, written path to release the funds and escrow agreement. The homeowner is pursuing litigation. 

THIS complaint is from XXXX XXXX ( homeowner ) XXXX XXXX XXXX XXXX XXXX OR XXXX. This is my second time trying the complaint, on the first round US Bank denied knowing me or that they have written authorization to speak to my claim representative and attorney. All of this is blatantly illegal and I need help to make the bank follow the laws.
Consumer complaint received 2024-01-11
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. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2023.
Consumer complaint received 2023-03-21
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

My loan was transferred from XXXXXXXX XXXX to SPS servicing back in XX/XX/year> SPS reported this loan XXXX to my personal credit while this loan was orginated and vested under my XXXX SPS has been very slow to correct this error and it has caused my personal credit to plummet as it shows as a debt SPS gave me several false notifications on the progress and till date has not resolved this issue XXXX XXXX ( the original loan originator ) has already emailed me and SPS and I have emailed SPS all the documents over XXXX weeks ago as SPS has requested and still no progress I want a severe penalty on this bank for complete lack of transparency, broken e process and terrible customer service This should not have happened as it has brought my credit score under XXXX and it has prevented me to get new products and operate my life normally
Consumer complaint received 2023-11-22
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. (MO)

Experian has closed another complaint that didn't fix or address the issue but in the explanation it even states many factors make up your credit score like ON TIME NEVER LATE PAYMENTS which that's what's my issue is about Experian stealing 17 months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-09-29
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: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-08-10
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: BOEING EMPLOYEES CREDIT UNION (MI)

I Lost my debit card and was charged a overdraft fee but I didnt use the account so I never noticed it was closed or used as I didnt keep much money in that account. Well it was closed and sent to XXXX XXXX saying I owe. I paid in full with the acknowledgment it would be deleted from XXXX XXXX XXXX  once paid in full. so not only is it not my account I also paid the account and its still showing up which is hindering me from opening a new bank account.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (AR)

Americain Express Credit Cards {$2100.00} {$3100.00} Both Cards have been charged off and it is a violation to report charge off accounts. 

I am writing to file a complaint against several banks and Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law.
Consumer complaint received 2023-12-22
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: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Reference # XXXX Dear Sir or Madam : I did not receive the two mobile phones I ordered on the XXXX store website. This is my police report. I have always trust Chase. I hope Chase can give me a satisfactory answer. Thank you. 
The police station phone number is XXXX Sincerely, XXXX XXXX The next three pages are the police report.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Someone has tried opening a checking account with Bank of America three times in the last 6 months. They are using my name and email. I keep getting emails wanting to confirm my email address. I then do receive a follow up email saying account has been denied. I am getting tired of having to call every time. I need my name and email address blocked or flagged so this doesn't keep happening. 

I already have a credit freeze enabled through XXXX, but apparently these bank account openings are getting by that Freeze??? 

Last date was XX/XX/XXXXXXXX  Others happened in XXXX XXXX