davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY FRAUDULENT SERVICER 'WELLS FARGO '' AND JUST SO HAPPENS TO BE MY INVESTOR AS WELL " LUCKY ME ''. ITS APPARENT THAT THEY CAN STILL XXXX FROM THEIR CLIENTELE BUT COULDN'T USE THAT MONEY TO BE THEM TRAINING ON CUSTOMER SERVICE OR A GUIDELINE HOW TO STAY WITHIN FEDERAL GUIDELINES. BUT THEN AGAIN WHEN THE GOVERNMENT ALLOWS WELLS FARGO TO STILL PRACTICE WITH A SLAP ON THE WRIST I GUESS ITS EASY TO SEE WHY THEY FEEL LIKE THEY CAN DO WHATEVER THEY WANT. I WAS PREVIOUSLY DENIED FOR A MODIFICATION AND RESUBMITTED MY APPLICATION AGAIN DUE TO INCOME INCREASE AND WELLS FARGO MAKES YOU JUMP THROUGH THERE HURTLES TO SEE IF THEY FEEL LIKE YOU DESERVE TO BE REVIEWED FOR A HARDSHIP ASSISTANCE. THEY WONT EVEN OPEN UP A REVIEW, THEY MADE ME COMPLETE A FINANCIAL INTERVIEW WITH THIS SO CALLED RE-ENTRY TEAM AND IF THEY SAY NO THAT IS IT. I HAVE READ THE USDA GUIDELINES ON MODIFICATIONS AND I DO NOT SEE THAT I HAVE TO DO ANY SUCH THING. THIS IS WELLS FARGO 'S WAY TO DETER ANYONE FROM SAVING THEIR HOME. I WAS TOLD THAT BECAUSE NOTHING CHANGED THEY WILL NOT OPEN A REVIEW, SO I ASKED WHAT WAS THE INCOME THAT WAS USED FOR LAST REVIEW THAT THE UNDERWRITERS CALCULATED MY INCOME AT AND I WAS TOLD {$5900.00} SO I SAID WHAT IS THE INCOME THAT YOU ARE CALCULATING MY INCOME TODAY AND THEY SAID {$6400.00} WELL THAT SHOWS YOU A CHANGE. IF IT IS NOT THE SAME NUMBER THAN THERE IS A CHANGE AND THEY SAID NO WE WILL NOT OPEN UP A REVIEW. THIS IS ABSOLUTELY CRAZY THAT THE SERVICER REFUSES TO REVIEW MY HARDSHIP ASSISTANCE REQUEST AND NOT FOLLOW MODIFICATION GUIDELINES. THERE IS NO FEDERAL GUIDELINE THAT STATES I HAVE TO JUMP THROUGH WELLS FARGO 'S OBSTACLES TO GET MY FILE REVIEWED.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (MA)

I tried to resolved this and many accounts with chase bank several times please see attache documents that you can clearly see i had a judgement against Chase Bank for and incorrect statement. chase had to pay me the consumer. remove the balance on the account to XXXX  back in XXXX, XXXX. By thier own Attorney XXXX XXXX and thier agreement signed. 

I tired to get a gredit card in XXXX of XXXX with XXXX rewards, and chase refused, so I could not be apart of the rewards of XXXX. because chase hold that card. 

I tried save myself XXXX on an order, with XXXX and Chase holds that card. so I could not get that card either. the credit application was returned in 3 seconds flat and the name Chase was returned on the scree. it was very clear to me this is not due to my credit is because chase bank is hold a grudge against me for the judgment in XX/XX/XXXX,  if they paid the insurance policy thsi would not have been a problem please see attached documents. all trade lines were to be removed in XXXX, XXXX againts all socials attached credit card. according chase XXXX in the executive office they are on my reports and derrotory statemens from XXXX not to do with an auto loan, or any other loan. auto loan was paid in 11 months. Chase is discrimination when I apply for any card they have, the consumer has no idea who holds the card until it returned and then they state to many cards applied. chase is destroying me this way too! I want chase bank to remove all the credit card applications applied remove for my credit report.
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I've disputed these accounts before but did not get any results in connection to my identity theft claim. My identity has been compromised and the following accounts are hindering my true credit identity. Please block the following accounts are provide me with physical documentation that they are true accounts. These accounts I have absolutely any knowledge of, 1 ) XXXX XXXX/ 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 )  XXXX XXXX/ XXXX
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX of this year ( 2018 ), I was at Home Depot and I made a purchase and they offered me a {$50.00} discount if I applied for their credit card, so I did because that was a substantial discount. But to my surprise, it was declined, they said they would send me the reason in writing. 
In the mail ( XX/XX/XXXX ), I received a notification from Home Depot telling me that it was Citi business that notified them not to do business with me. ( copy of the letter is attached ) A year prior Citi cancelled my Visa account and they refuse to give me a reason for their action, all they wrote was that they have the right to do so, with or without cause.
Consumer complaint received 2021-11-02
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: Experian Information Solutions Inc. (TX)

The consumer reporting agency, Experian, has furnished my consumer report without my authorization. And gained monetary benefit by selling my information to another consumer reporting Agency. This happened on XXXX XXXX. I attempted to contact experian multiple times concerning the issue and they keep telling me I have to take it up with XXXX  XXXX XXXX. Even though I never gave Experian Permission to furnish my report. I called XXXX  XXXX XXXX, and told them the same thing, I never gave you written consent to furnish my report. This same process has occurred with XXXX XXXX, on XXXX XXXX. Ive contacted both parties and still no resolution to this matter. Experian keeps telling me I have to contact the other party for them to delete it. And XXXX  XXXX XXXX XXXX XXXX XXXX tell me the same about Experian. It seems like they dont want to own up to violating my consumer right to privacy.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I notified the 3 credit bureaus of a list of inquiries into my credit report that were not authorized and not done by me It has been over 30 days and theres still been no resolve and items not removed from my credit file. I have attached a photo of the previous complaints with CFPB that has still not been resolved.
Consumer complaint received 2022-07-08
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. (SC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX In XXXX I had 4 hard inquiries on my credit report that I did not authorize. I also went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize it.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (DC)

Chase Bank advertises their " Chase Sapphire Preferred '' Credit Card as providing a {$50.00} XXXX XXXX XXXX  Hotel Credit that is automatically applied as a statement credit for hotel room accommodation purchases through their XXXX XXXX XXXX portal. 

Chase states that " Statement credit ( s ) will post to your account within two days after your purchase posts to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. '' However, this did not happen for me and customer service refused to solve this issue and provide me with the agreed upon {$50.00} statement credit. On XX/XX/XXXX I booked a hotel room accommodation for XXXX XXXX XXXX for {$200.00} through the XXXX XXXX XXXX portal and the transaction was coded as " XXXX Chase XXXX '' on my credit card statement. However, I never received the {$50.00} statement credit within the two days after the purchase posted to my account and it has yet to appear on my last two billing cycles. 

When I called chase with this information on Monday, XX/XX/XXXX, they said that they would escalate it to their research team who would get back to me in two weeks. However, I called back two weeks later and their research team did not bother to look into the statement period that I purchased the hotel through their travel portal and denied me my earned {$50.00} credit. 

When I called, I was put on hold for more than one hour and was told by the supervisor all they couldn't do anything despite themselves seeing the purchase on XX/XX/XXXX through the travel portal. Chase has refused to honor the {$50.00} statement credit that was promised and as a result I will be forced to pay the {$50.00} balance on my credit card to keep my purchases current, taking money out of my bank account to subsidize their malfeasance.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It has been over 90 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681. 
This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I went to the ATM to deposit funds into my account in the amount of {$460.00}. The ATM took my money and then gave me a message across the screen stating " We apologize we can not deposit the funds into your account we can not give the funds back please contact your bank. '' I filed a complaint the very next business day. After a few weeks of waiting, I received a call stating that they could not deposit the credit to my account because my account has been closed. I went to the bank and spoke with branch manager XXXX who then informed me that my account was not closed but placed into a do not deposit status. No one can tell me who placed my account into the do not deposit status, why it was placed into the do not deposit status, and why I was charged to have that account closed when no one asked my permission. We then had to open a new account so that I could get the credit for the funds. I received a credit to my account almost a month later and then towards the end of XXXX, I received a letter in the mail stating that they have determined that I did not make the deposit to the ATM and that they will be taking the funds back from my account. Once I receive the letter I called and asked how they had come to that conclusion? I was told that the money would be separated into a separate batch if it did not go into my account however when speaking with branch manager XXXX he let me know at the time that the ATM was broken and that they had a claim on the ATM to get it fixed. I then asked if they would pull the time stamp card for my debit card in the footage to prove that I was there and that I didn't make that deposit, They told me no, they needed a subpoena to do so. So I went to the police to file a report to get them to pull the footage. It is now Friday, XX/XX/XXXX and no one has contacted me. So I did call the branch today and spoke with branch manager XXXX again he let me know that the internal investigation team got in contact with him and told him that they viewed the footage and saw that I receive the funds back which I did not. I want to see the footage that they saw that they claim I received the money back from. I know I did not get my {$460.00} back, Nor did those funds go into my account. I sat at the ATM for about five minutes after I took my money trying to figure out what to do I do not believe that the entire film was viewed or they would've seen that I did not get my money back.
Consumer complaint received 2023-03-17
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. (GA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-07-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

At the end of XXXX I tried to open a 18-month CD with Capital One Bank online . After a couple of days I realized they never received the transfer of funds from my existing Bank, XXXX XXXX. I went in person and we did the whole thing with the manager and she said everything was fine. A week went by, I called several times I was told to wait a few days it takes a while As of today I was told when I called that the account was closed because the money never transferred. I explained that I saw on social media that Capital One was having trouble with their funds transfer software. They just insisted that I did something wrong, this after several attempts and several phone calls and a personal appearance. No one called me or acknowledged the account.
Consumer complaint received 2018-08-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

Our mortgage was sold to Freedom Mortgage and shortly after that we sold our home. The process of getting documents and receiving refunds has been horrible. I was charged a fee to obtain my payoff amount, which is probably standard but when we closed before our estimated date, the loan was overpaid by the few days of interest. Because we " OVER '' paid our mortgage they charged us a {$16.00} fee! Why would there be a fee for over payment? To make matters worse, it was a cash sale which funded immediately. From that funding and over payment, the principal balance was paid, interest was paid, and then the extra payment was thrown into escrow. After we received the notice that the transaction was fully funded from the closing company, I contacted Freedom Mortgage to ask about the release of our escrow account and was told it would be almost a month before they would release it. The reason, to ensure funding went through and all fees and interest were collected. I was online looking at my account at the same time as I was talking to the representative and it showed " Paid in Full. '' I mentioned this to the rep and was told there would still be fees to adjust. My complaint is how do you charge a fee for over payment and then not release my money that I have paid in even after the loan was paid in full?! It is a scam to earn interest for as long as they can and get " fees '' any way possible. I would NEVER recommend Freedom Mortgage to anyone and have been very verbal about my situation.
Consumer complaint received 2018-08-23
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: Experian Information Solutions Inc. (NV)

XX/XX/2018 I disputed a collection account that claimed I owed for pet severe damage to a carpet in the sum of {$1900.00} reported by a collection company called XXXX. XXXX. I had issues uploading supporting documents to Experian showing that my son and I are both allergic to pets. There is also proof in my lease agreement that I never owned pets. I was ever fined or charged any pets fees over the course of my stay at the apartment. I was finally able to upload documents XX/XX/2018 yet Experien will not reinvestigate I had even called a spoke with someone personally XX/XX/2018 and he said they would reinvestigate and the investigation was complete the next day. If Experian doesnt resolve they will be included in my lawsuit against the debt collector and the original creditor. 
Prior to all of this we tried resolving with original creditor and in return were ignored and sent to collections, tried to explain to collection agency, and now Experian has failed to do their investigation properly. 
As you will also see I have proof that we did a walk through with the apartment, they told us we didnt need to clean the carpet as they have a professional carpet cleaning company. During the walkthrough they mentioned NOTHING about the carpet needing to be replaced, yet replaced the entire carpet when we moved out. I have attached photos.
Consumer complaint received 2021-11-02
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: BMW Financial Services NA, LLC (NY)

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE! 

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/2021 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 

6. BMW FIN SVC Account Number : XXXX  Please remove it from my credit report.

7. XXXX  XXXX  XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.

8. XXXX  Account Number : XXXX  Please remove it from my credit report.

9. XXXX  XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.

10. XXXX XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.

11. XXXX  XXXX XXXX Account Number : XXXX  Please remove it from my credit report.

Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Consumer complaint received 2022-07-08
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. (SC)

I went through a bankruptcy in 2019. The majority of all debt was immediately removed from my credit report, except for a few. These few still show up on my credit reports as delinquent or paid late, even though they were never paid late up until the bankruptcy. Regardless, they are listed as " negative '' on my credit report and have a severe impact on my credit history, in addition to fixing my credit after a bankruptcy due to family medical bills. The credit bureaus refuse to remove the information, even though they should no longer be on my credit report after the bankruptcy went through 3-years ago. They should have been removed after the bankruptcy was complete, just like the other debt.
Consumer complaint received 2018-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GreenSky, LLC (NY)

On XX/XX/XXXX we contracted XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and repair our basement and garage floors and walls for {$29000.00}. On XX/XX/XXXX we applied for financing with Greensky LLC XXXX XXXX XXXX, XXXX GA. The project not being completed XXXX XXXX XXXX XXXX XXXX collected {$26000.00} from GreenskyLLC with out authorization from XXXX XXXX. We had other means of payment in place at this time, also the contract price was reduced to {$24000.00} by XXXX XXXX of inconvenience of job not being completed properly and was not mostly corrected in XX/XX/XXXX and was refused servicing after we found a wet floor in the garage XXXX and XX/XX/XXXX.
Consumer complaint received 2018-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

Got a notification from Credit Bureaus that a New Collection was added to my Credit Report by the Name : IC Systems Inc XXXX XXXX MN These people claim I owe {$200.00} I have spoken to them in the past about this debt and told them this is not my debt. They claimed I created this debt but I deny these allegations because I have never heard of the company that sent the Debt over to them. This debt was not created by me, I feel this company is out to damage my credit report and my reputation