davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-31
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (CA)

I 've realized that credit card debt has caught up with me. I am not a big spender but have been paying interest rates that seem to cancel out my regular payments. I have been with Wells Fargo for eight years and the card with one of the highest interest rates I have is theirs. I went to the bank to discuss a low interest loan to help pay it off ( they were advertising a low interest loan ). They chatted me around the block and it is now almost two week and I have not heard anything back about approval. I am now sure that I am not approved. They have taken a ton of money from me on that card and consider me a valued customer ... I guess except when I no longer want to be a cash cow for them. I realize this is my error but one would expect better treatment from a company I have had a long relationship with. Can anything be done? I was not able to upload documents on this site. I can tell you that, although I 've used this card infrequently, the interest in 2015 alone is {$720.00} and counting.
Consumer complaint received 2023-06-12
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)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EXPERIAN used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EXPERIAN reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2018-12-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (NJ)

I was Hit from behind by another car and my car was totaled. I just bought the car so I owed over XXXX dollars. His insurance paid it off but I tried to buy another one and my credit dropped 100 points. My interest rate went way up. I was wondering if you could tell me why?
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

*THIS IS A XXXX REQUEST FOR THIS INFORMATION**DO NOT REDIRECT THIS REQUEST TO WELLS FARGO AS THEY INSTRUCTED US THAT ONLY XXXX XXXX CORPORATE TRUST DEPARTMENT WOULD HAVE THE INFORMATION WE ARE REQUESTING. 
XXXX CORPORATE TRUST DEPARTMENT HAS PROVIDED US WITH THIS INFORMATION PREVIOUSLY VIA EMAILS AND DOCUMENT VIA REGULAR MAIL. 

WE SIMPLY WANT XXXX XXXX XXXX XXXX DEPARTMENT TO CONFIRM THAT OUR MORTGAGE ( XXXX / XXXX - XXXX XXXX XXXX, XXXX NECK, NJ XXXX ) WAS REPURCHASED IN XXXX OF 2009 BY WELLS FARGO FROM XXXX XXXX XXXX A CUSIP - XXXX. WE HAVE OBTAINED THIS REPURCHASE INFORMATION DIRECTLY FROM THE XXXX CORPORATE TRUST DEPARTMENT VIA EMAIL AND REGULAR MAIL AND WANT IT CONFIRMED HERE IN ORDER TO FOREGO SUBPOENA.
Consumer complaint received 2022-07-24
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. HOWEVER, I REQUEST THAT YOU REMOVE THESE ITEMS IMMEDIATELY. OR I WILL GET MY ATTORNEY INVOLVED
Consumer complaint received 2022-07-24
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: TRUIST FINANCIAL CORPORATION (MS)

There are 4 inquiries on my credit report that I didnt give any authorization or approval to put on my credit report these are the Names XXXX XXXX Truist dealer, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-04-21
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. (MD)

Evidently, Chase sold my " bad debt '' to a law firm who is now bugging me to pay two charges which I disputed in XXXX because the merchant never intended and did not provide me the goods and services they agreed to. Someone on XXXX commented that Chase pays a huge amount of fines for breaking the law. I decided to research that and found endless articles about fines the CFPB and the SEC issued to Chase for illegal activities. Two I found are at : XXXX XXXX XXXXXXXX ; CFPB Orders Chase and JPMorgan Chase to Pay {$300.00} XXXX Refund for Illegal Credit Card Practices, XX/XX/XXXX and XXXX XXXX XXXXXXXX ; CFPB, XXXX States and XXXX Take Action Against JPMorgan Chase for Selling Bad Credit Card Debt and XXXXSigning Court Documents, XX/XX/XXXX. I wanted to inform the CFPB that Chase is still at it. Evidently, Chase doesn't mind paying the fines with all the money it makes off its customers illegally. So far, I have had two rounds with the collecting law firm and they are no better at providing me proof that I owe the two charges in question than Chase. I am prepared to go to court which I figure is the next step. I have documentation supporting my case that is over a foot high. I also have Chase 's reputation and proof of law-breaking practices to use in my favor. I have attached a report I prepared on Chase illegal credit card practices that I have experienced these past two years that fall into the two categories above. I have sent Chase documentation supporting my case MANY times ; they just ignored it. But I can provide it to the CFPB if needed. Judging from what I experienced, the bad reports about Chase in the BBB records, the blog " Chase XXXX, '' comments on a Chase add on XXXX, it looks like it is time to have Chase clean house again and pay its customers all the money they cheated from them. JP Morgan continues to be a bunch of mafia crooks who cheat their customers. At first I felt persecuted and victimized by Chase because I was treated like a criminal. Now I understand who really is the criminal here. I hope to god that consumers out there find out that Chase is a bunch of capitalistic frauds before they have to endure what I have the past 2 years. No need to send this to Chase. The Executive Office will only make up a bunch of stuff to get out of dealing with the real issue -- they they lie and cheat their customers, including me.
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WI)

This is the third attempt to obtain assistance, I reached out to the Dept of Financial Institutions, who referred me to Comptrollers office who know referred me to CFPB. 
Like many other consumers, am trapped in a Mortgage that is larger than what my property is worth ; no to mention the security issues that I am having - that my car was broken into twice once XX/XX/XXXX and the other in XX/XX/XXXX. The Association told me they cant provide any security. Also, the property needs repairs and it has a little of black mold in the bathroom. 
Because of this issues On XX/XX/XXXX and XX/XX/XXXX, I contacted US Bank via email ( XXXX, XXXX, XXXX ). I was basically asking for assistance with my current Mortgage. I wanted to know if US Bank have any Programs that can help me without affecting my credit? I was reading that short sales, DIL and even Foreclosures will have a huge impact on my credit score, which will cause an impediment for me to be able to purchase a new safer property. 
US Bank is aware, as I have mentioned in numerous conversations with them that the current mortgage of {$87000.00} is more than the value of the property ; In XX/XX/XXXX US Bank did an appraisal as part of a loan modification, and valued my condo to $ XXXX +/-. In XX/XX/XXXX The City Assessors office valued my property at {$71.00}, XXXX. In addition, sale comparables around me are in the 40s and as I mentioned before the condo itself needs some rehab. 
As of XX/XX/XXXX, I have not received any acknowledgement on my request. I want to buy a house but Im currently stuck in the condo where I dont feel safe.
Consumer complaint received 2018-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (OR)

I received a credit monitoring alert indicating that a collection had been placed on my credit report. Wakefield & Associates, ( XXXX ) XXXX, was listed as the debt collector for an amount of {$630.00}. I contacted the collection agency and advised them that this is not my debt ; that I have never received any communication from them regarding this debt ; nor had I received any communication from an original company owning the debt ( since it is not my debt ) ; and requested that they remove this debt from my credit report. It has not yet been removed and, therefore, I am filing this complaint. I respectfully request that this debt be removed from all three credit bureaus ' files since it is not my debt. Thank you!
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (AL)

An inquiry from JPMCB Card was made on XX/XX/2019 and I did not authorized this inquiry nor do I have a credit card and/or loan with JPMCB Card. I have contacted the creditor to have this inquiry removed but they won't comply.
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CT)

I filed a prior complaint with this mortgage company. Complaint # XXXX. And they did not address the issues that I specifically asked to be addressed. 


I know that the decree was not sufficient to remove me from the debt that is why I attended several of the foreclosure mediations as stated in my complaint. And filed to have me removed from the foreclosure matter. At which time I was removed by the Judge and their own attorneys office. None of which is stated in the letter they filed as their final findings even though a letter from their own attorneys office was provided to them stating I was withdrawn from the foreclosure and I was not a party to it and had no liability. None of this is in their final letter. 


Furthermore my credit report shows that they are showing that I am still late on a mortgage that no longer exists which is ruining my credit further. How can you say a person is 120 days late on a mortgage that was foreclosed on 2 years ago? You are ruining my credit. 

I was not a party to the foreclosure therefore the word " foreclosure '' should not be on my credit report and furthermore you should stop marking me late on a mortgage that no longer exists. 

This is absolutely insane and needs to stop. I want this cleared up immediately.
Consumer complaint received 2022-06-19
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. (NC)

In accordance to the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX Account XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX violated my rights XXXXXXXX XXXX XXXX  XXXX violated my rights XXXXXXXX XXXX XXXX XXXXXXXX violated rights XXXX XXXX Violated rights XXXX XXXXOriginal creditor : XXXX XXXX XXXX  XXXX rights violated XXXXXXXX  Hard Inquiry violated rights XXXX XXXX XXXX XXXX Credit Card Acct XXXX XXXXvioated my rights XXXXXXXX XXXX Violated rights XXXX rights violated XXXX XXXX -- Rights violated 15 U.S.C. 1681 Section 602A : States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency ( s ) can not furnish an account without my written instructions
Consumer complaint received 2018-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/2018 a collection account was placed on my credit reports ( XXXX and XXXX  ) for a XXXX XXXX c/o Resurgent Captial Services XXXX XXXX XXXX XXXX, SC XXXX for {$6500.00}. I have not received any written notification about this debt to verify it or any written notification of right to dispute this debt. I have sent letters to both credit bureaus and a certified letter to XXXX XXXX c/o Resurgent Capital Services requesting validation of debt. I have not received any response. I have tried contacting XXXX XXXX about this debt directly but they have gone into bankruptcy and are no longer in business. I have attached copies of the letters and information I have collected. I have attached copies of numbers and addresses for XXXX XXXX I have used to contract them via the Texas Secretary of State licensing website.
Consumer complaint received 2020-06-05
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. (TX)

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of that are not mine. I need those items removed as soon as possible please.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

For some reason my XXXX XXXX XXXX and my XXXX cards thats in good standings is not reporting on my report my husband added me on to his account and XXXX, Equfax and XXXX XXXX is not reporting both cards
Consumer complaint received 2020-07-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

To Whom It May Concern : This is the appeal that I filed with the Office of the Comptroller of the Currency that I also want to share with your organization. 

I am filing my Tier Two Appeal for Case # XXXX because I need to clarify my situation. On XX/XX/2020, I transferred {$56000.00} from my XXXX XXXX account # XXXX to my suppler, XXXX XXXX Chase Account # XXXX. XXXX at Chase XXXX put a hold on my suppliers account and then closed it for unknown reasons. The case # XXXX was given to my supplier, XXXX XXXX. What is important to know is that XXXX has made as many as 15+ communications to Chase without a response. They tell me that it is up to Chase to give an explanation and cant help any further. 

A week ago, a XXXX, Senior VP, XXXX XXXX, XXXX, XXXX who was looking into my case called me and told me that after 69 days, Chase was going to reissue a cashiers check to pay me but it was going to take another 90 days meaning I would not see my {$56000.00} bank in my account until XXXX because they lost the original cashiers check. 

You should know that I have my home mortgage with Chase and my XXXX  credit account has been with Chase for 20+ years. Im a loyal customer and being treated like this. I know that if this is happening to me it is happening to other loyal customers of Chase. They think their untouchable resulting in my closing my XXXX XXXX  and laying off XXXX. 

Someone at OCC needs to contact XXXX XXXX, CEO,  XXXX, XXXX to let him know of the incompetence of his Chase employee who has caused my XXXX XXXX  and many others to close their doors during the Covid-19 epidemic. Please help me with this situation. This should not happen in America. 

Best regards, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX DRE # XXXX XXXX
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (CO)

I pay my " Milestone and Indigo Credit Cards '' on time every month. Now, they will not credit my account for 16 days even though the money was taken out of my bank account. So, by waiting 16 days they can charge over-limit fees and higher interest rates. When I pay my monthly bills I pay via computer. So, I know everything is instanteous. Is this some new scam to make more money from customers?
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (AZ)

In XX/XX/XXXX, one week after I opened the account, the account was closed. I created a complaint with CFPB on XXXX, complaint number XXXX. This complaint resulted in Chase reopening my credit card with the same credit limit as originally issued. I felt satisfied with this response. 

However, ever since then, I believe that Chase is specifically targeting my account because IMMEDIATELY AFTER I make large payments to my account, they significantly lower my credit limit. I have not had any late payments to this account since it was opened, and I have no late payments on my credit report from any other accounts since XXXX, long before they approved to open my credit account in XXXX. Additionally, I have my deposit checking account with Chase, and they are able to verify my income to see that my income can support the credit limit for this and other accounts on my credit report. 

The action of lowering my credit report after large payments have been made are negatively affecting my credit score. I am making the large payments to the card to help decrease my utilization and increase my credit score. By constantly reducing my credit limit, I am unable to meet this goal. 

XX/XX/XXXX - Approved and opened account with {$8500.00} credit limit. 
XX/XX/XXXX - Closed account with no explanation. 
XXXX? XXXX - Re-opened account after CFPB complaint. 
XX/XX/XXXX - {$8700.00} payment. 
XX/XX/XXXX - Decrease credit limit from {$8500.00} to {$4800.00}. 
XX/XX/XXXX - Decrease credit limit from {$4800.00} to {$4300.00}. 
XX/XX/XXXX - {$2000.00} payment. 
XX/XX/XXXX - Decrease credit limit from {$4300.00} to {$2500.00}.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (IL)

XX/XX/2020 I was forced to close my CITIBANK checking account and re-establish a new account due to suspected fradulalent activity. I am unable to establish a checking account due restriction placed on me through a company called XXXX XXXXXXXX XXXX. I have been in contact with XXXX XXXX XXXX and have an unresolve dispute. I believe misleding information reported by CITIBANK to XXXX XXXX XXXX  regarding the suspicious activity that had occurred with my personal banking account. I have no balance owed to any financial institution including CITIBANK. Why am I being restricted? I was the victim.
Consumer complaint received 2022-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

Company : XXXX XXXX XXXX ( LoanCare ) I called XXXX XXXX XXXX ( LoanCare ) in early XXXX, XXXX to request that no hazard insurance payment be sent to our insurance provider because I was evaluating hazard insurance offers and may change carriers. Despite this call, a payment in the amount of {$690.00} was sent to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. I had already changed our hazard insurance to XXXX by that time. 

Since then, I have called numerous times to track this payment in order to get the {$690.00} refunded to our escrow account. I have been told a variety of things by XXXX Customer Service and Insurance departments, including three-way calls with XXXX. Things Ive been told include the following : - The payment was sent as part of a bulk check so the check could not be canceled. 
- The payment had not yet been received by XXXX. 
- The payment had been received by XXXX, and it in fact was a bulk check. There were other problems with this bulk payment and it was being returned to XXXX. 
- The payment had been made and signed for by someone at XXXX, but XXXX had no record of it. 

I have also been told every time I call that a supervisor or someone who is researching the issue will call me within 24-48 hours with additional information on how to resolve this. I have never received a call on any of these occasions. 

I sent a written letter to XXXX on XX/XX/XXXX. I received a letter back from them stating that they received it XX/XX/XXXX and were reviewing. 

I dont know whats true at this point, but I do know that the money is not in my escrow account.
Consumer complaint received 2022-06-19
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2022-06-19
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX  Account # 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 an account without my written instructions.