davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form XXXX signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance.
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (AZ)

I contacted Wells Fargo XX/XX/XXXX to find out if I was a member of the class since my husband had a loan remodification denied or actually no response ever was made on it and then they foreclosed upon his house and then he died shortly after that in XXXX. The deed had been put into a trust to care for me and my son after he passed away. Then when all of the press came out last year with how their computer glitch denied a lot of people who asked for loan remodifications who lost their homes, I checked into it and I contacted Wells Fargo at their executive office. I was communicating with a couple of different people there including XXXX XXXX. I had finally found a check of my husband 's with the account number and I found records online proving the deed was transferred to the trust. I emailed those documents to XXXX XXXX and then suddenly they stopped communicating with me. I had evidence the trustee sale occurred after it was placed in the trust and how it was bought by somebody else. Last week I talked to XXXX XXXX on XXXX, XX/XX/XXXX at around XXXX. He confirmed that XXXX XXXX still worked there, but the case was closed. They closed the case so I would like to for somebody to contact Wells Fargo to get an answer whether I'm a member of the class. I believe I am. I began communicating with them in XXXX of XXXX. I had never been told that they were closing the case. Once I called and they looked up the account number on the bottom of the Wells Fargo check I had and couldn't find the account. I was told by a friend who works in banking and mortgages that it was archived and that's why they couldn't find it. I told XXXX XXXX I wanted it reopened and he told me to fax everything to Wells Fargo instead of emailing it. I'm pretty sure they're just avoiding me and I've also contacted the law firm that's handling all of the claims for the settlements and I have contacted them multiple times and they have not gotten back to me at all. All I get is a voicemail, so I need your help, please, before it's too late. Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

JPMCB CARD fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). JPMCB CARD is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and XXXX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( XXXX XXXX XXXX ).
Consumer complaint received 2021-03-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: JPMORGAN CHASE & CO. (NY)

I have banked with JP Morgan Chase for over ten years. I have a business checking account, a personal checking account, credit cards and a mortgage with them. On XX/XX/2021, the Biden Administration announced that small businesses and sole proprietors can apply for a PPP loan which is an SBA program, Chase being a lender that facilitates it, and that the period ending XX/XX/XXXX would be a priority window for small businesses, and after this date all qualified entities could apply. On XX/XX/XXXX, the Biden administration announced that for sole proprietors, loan amounts would be based on gross income instead of net income. 

I reviewed the Chase application on XX/XX/XXXX and noticed that the application was not changed to reflect the above change. I called the Chase PPP department and I was told by XXXX who would not give me his Chase employer ID that I should indicate in the field, average monthly payroll the income on line 7 of my schedule C which is gross income for a sole proprietor and that would be the correct procedure. 
On Sunday, XX/XX/2021 I completed the PPP application on the Chase website and sent it in. I received an email from Chase indicating my application was received. On Wednesday, XX/XX/XXXX, I received an email from Chase indicating they were unable to verify my average monthly payroll costs. I immediately called Chase to explain to them that I was a sole proprietor, and therefore have no payroll, and referred to my conversation with XXXX. 
After a long wait, Chase told me they are not doing any sole proprietor PPP loans. Isnt this a kick in the gut after indicating on their website that sole proprietors are eligible to apply and also according to my conversation with XXXX from Chase confirming this. 
Now I have missed my priority window to apply for the PPP loan which ended on XX/XX/XXXX and have spent an entire day consulting with other banks to apply for the PPP loan and had to visit a bank to open a business checking account which is mandatory in order to apply for the PPP loan. But also after opening the business account I am required to wait at least 5 days to apply. I may miss the deadline. 

I charge Chase with discriminating against small business owners who are in dire need of aid as soon as possible and in so doing run roughshod over them, their attitude being, tough on you, what are you going to do about it. Their interest obviously is in doing large lucrative loan amounts for large entities, similar to the first PPP loans last year. 
I will also write to my congresspeople about this incident and consider legal action. This is not the first time that Chase has been using abusive practices. 
I do hope that the CFPB will address this egregious practice on the part of Chase Bank.
Consumer complaint received 2020-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NC)

I was trying to link my pnc back account to a payday loan app called XXXX  but the app saying it cant connect my bank account due to pnc having somekind of spyware that wont let it connect to my account even after me giving the app permission
Consumer complaint received 2023-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (GA)

My mortgage company bought my mortgage while it was in Covid Forebearence Protection, when the last mortgage company bought my mortgage, I was told before hand it would be added to the end of the Loan. When new mortgage bought the Loan, the informed me that they were the new Mortgage company, and did not have to Honor what the previous mortgage company said what would happen to my loan, because they ( Did not have to Honor previous Covid Forebearence Agreement, that was made between me and them ). The new mortgage company is showing the Loan, 371 Days Delinquent, and are Demanding full payment, or will possibitity start foreclosure on my mortgage and home. I had no choice but to agree to try to start paying them regular monthy payments, even before the agreeed upon forebearence had expired. the new mortgage /collection company is sending me Deliquency Notices , and stating that I may loose my home, after taking monthly payments, but are now saying they require the TOTAL AMOUNT DUE, in the next few days to bring account current, and stop any Foreclosure from being generated against my loan and property.. They are charging me a high rate of Interest currently based on loan being involved in Covid Forbearence, of almost {$14000.00} Dollars, to bring loan current, and contuine to make regular monthly payments, as agreed .. Their records show the account is past due from 2022, while under Covid Forbearence
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (TN)

I am writing this email in order to address a serious concern that has been hovering unnecessarily over my financial standing for quite some time now. I find it incredibly disquieting that I have to do sopointing out the lacking professionalism and due diligence in handling what is most certainly a glaring mistake on your end. 

There seems to be a heinous misunderstanding that an outstanding debt under my name linked to a loan account with XXXX XXXX is mine, where in actuality, such is simply not the case. The constant harassment and communication from your end regarding this erroneous debt is not only a breach of fair practices, but is also flagrantly offensive. 

I implore you to provide me with the necessary documents that unequivocally demonstrate my involvement with opening a loan at XXXX XXXX. The burden of proof rests squarely on your shoulders, as you are the ones who decided to mar my financial health with an unfounded claim. 

It is crucial to your understanding that I am not a resident of XXXX anymorea fact I have proof of through documents validating my relocation a year ago. This makes your claim all the more bewildering, and frankly absurd, to anyone with a modicum of common sense. 

Moreover, the glaring absence of my signature or any form of personal identification on the contract that you supposedly hold against my name, is most certainly a harbinger of your incompetence in handling this matter appropriately. 

I have taken it upon myself to communicate this matter to the Consumer Financial Protection Bureau ( CFPB ). They have been made aware of your egregious handling of my case. The relentless and unjustified harassment I have endured, not to mention the hours spent in trying to rectify this grievous error, warrants this necessary action. Given the gravity of your misconduct, I strongly believe and hope that a sanction from their end would be coming your way. 

I would like to conclude by impressing upon you the dire need to rectify this outrageous situation at the earliest. It needs to be underlined that I am not responsible for the debt that you are wrongfully associating with my name. Any further communication to that effect will henceforth be treated as harassment and appropriate action will be taken. 

I look forward to receiving further communication from you confirming the rectification of this matter
Consumer complaint received 2023-07-15
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (MI)

I had 4 fraudulent charges to my Barclay Credit Card in XX/XX/2023. The charges started around XXXX XXXX. I informed them of the charge and they said they were sending new card and closing the card. Af few days later I go purchase alerts for {$60.00} XXXX XXXX in XXXX on XXXX XXXX. I called and informed them of the fraud charge as well as the fraud situation days before. The agent claimed that he would note the account and the charges would be handled. I asked how were they able to continue using the card when I would be receiving a new one and the account had fraud ; the card was supposed to be closed.The agent gave a vague answer and assured me that I would not be resposible. 
Now it is XXXX XXXX with purchase alerts for {$33.00} at XXXX XXXX and {$34.00} at XXXX XXXX XXXX in XXXXI know the location because you can see the charges and location. Again I called, confused, asking again how could the account still be active? They asked me as if I knew how the card got charged at the same time I noticed that the last XXXX digits of the card number online was different from the card I had. I asked about that and it was more XXXX reasoning since they left the account active. The first fraud charge was removed, but the other XXXX fraud charges were not removed. Initially, I was informed that they were closing the card and sending a new one. Only to add the XXXX charges to the new account when they were suppose to close the card and send a new one. I called today XX/XX/2023 after checking my account ( the charges still are there ) and spoke with a so called supervisor who claimed that it could take 90 days to resolve and that account would be credited back the charges. That was this morning. I just checked at XXXX XXXX. and nothing has been done. The charges are still there on the knew card as if they are my charges. 
It really should not be this hard for them to see that the charges are fraudulent. I live in XXXX the charges were in California and Tenessessee. I dont believe they are going to resolve the charges being that they did not close the card and then place the charges to the new card after stated they werenoting the fraud. This company is terrible, not thoroughly investigating, and have poor business practice. I really need help Barclay who has done nothing. I want this resolved so that I can close the account.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MO)

I usually receive a text message as to my account balance everyday. Today I never received that so I attempted to log in to my app and found that it had been disabled. I received a message stating that my account had been closed and I needed to send verification information. I still can not find out what reason for closing the account and exactly what information they are the requesting. I still can not find out what reason for closing the account and exactly what information they are the requesting. I received several different emails and each one was asking for different information. I sent what was ask of me. They keep trying to tell me that the tax deposit is the one I need to account for. However the US treasury check that I deposited was for XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-03-08
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. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX XXXX XXXX account # XXXX, has violated my rights. 

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
Consumer complaint received 2023-02-16
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. (MS)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX, MS XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX / XXXX XXXX XXXX {$7700.00} XX/XX/2016
Consumer complaint received 2024-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Have applied for a refinance on a mortgage. got a GFE letter, had a closing date setup bank change the date for closing, stating more paper need to be signed and they send a paper work which had a higher interest rate. I have requested for an explanation on the rate change. waiting for the response.
Consumer complaint received 2023-07-14
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: American First Finance, Inc. (IL)

XXXX credit report reflect unknown charges with an unknown company that resulted in a significant negative impact on my XXXX  score lowering it from XXXX to XXXX. According to the report, a company named American First Finance ( AFF ) listed a " lease '' opened XX/XX/2023 with an original amount of {$4000.00}, {$1200.00} payment, with 60 days current in arrears. 

On XX/XX/2023 I connected with XXXX to dispute the recording who disclosed to me that they could not share the AFF account number with me and that I should call the merchant directly. On XX/XX/XXXX, I connected with AFF who refused to look up the aforementioned data to determine legitimacy or correcting ownership unless I shared my social security number with them. I informed them that the account did not belong to me and that I refuse to share personal information surrounding a fraudulent account or transaction. Either the matter was obtained in error or the debt was obtained through identity theft. My identity must have been compromised. 

The numbers I called in an attempt to resolve this matter are : XXXX XXXX, American First Finance. XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I attained a copy of my credit report and simply asked the credit bureaus and or consumer reporting agencies to check and make sure every single detail was completely accurate and although i'm no lawyer, according to 15 usc 1681i ( 5 ) EVERYTHING MUST BE 100 % ACCURATE!

30 DAYS CAME AND WENT AND I RECIEVED MY CREDIT REPORT JUST TO SEE EVERYTHING WAS STILL THE SAME. THE CONSUMER REPORTING AGENCIES which is Transunion IN THIS Case did not modify or remove anything.

The Date Last Active is NOT correct on all 3 credit reports ..... The Date Last Reported is also Inaccurate .....

This is a violation and is it's actually costing the ability to get approved for credit and that is simply not fair as I am trying to purchase a Home for my family!

i will attach my credit report to show how TRANSUNION violated my rights!
Consumer complaint received 2023-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

Had mortgage for over 20+ years ... .never paid late ... .always pay extra on prin ... ..now ... .starting getting calls during grace period ( XXXX ) ... .to make my payment because " you are late '' ... ... .what kind of XXXX is this???? 

Not happy!!!
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IA)

XXXX XXXX, I had XXXX $ wired into my account from a consignment sale in Florida from XXXX XXXX. Around the same time I had went to New York to pick up a motorcycle I was purchasing. Citi bank said I couldnt access my funds to buy this motorcycle because I didnt have debit card number to verify account, I had my neighbor get the mail at my home and send me a pic of it and verified the number. They told me I had to wait for a reference number in the mail then. I came back from New York, went to main branch office in XXXX XXXX SD. They cut me a check for XXXX $ told me to wait for the letter. I went back to New York got the bike. Came back got reference letter and gave it to them on the phone. They said the phone number was not correct with the account! I gave them every phone number I have ever had, none of them worked. They told me I had to wait for another reference letter. I went back to XXXX XXXX SD and talked to branch management! Explained this is my life savings, showed them state id, ss card, verified my phone number. Lady on phone with us from fraud dept, hung up on us after she said she closed the account, a check will be mailed in 30-60 days if any funds are deemed to be mine! This is a XXXX XXXX XXXX! I have XXXX $ of my life savings in this account I have not had access to at all since I have had it deposited! XX/XX/XXXX, was the date I was in South Dakota last so it supposed to be mailed by XX/XX/XXXX! I need my money, they have it and are not releasing it! I need action taken on this! Citi bank is a thief!