davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

The proper option was not provided. Nor Other Option. 

It so happens I applied although hesitant for a Best Buy Managed by Citi Bank. And within seconds I was literally told a decision will be mailed to you. I have the option to email my decision. I was so infuriated I made countless calls on Friday XX/XX/2020, minutes after. Calling the Credit Card Status was not an option as my Social Security was not recognized. I call Best Buy Customer Service, was transferred to a live person right away. Well, the individual blatantly told me my decision was not based on my Credit Score. But income. And I will receive a letter via mail. 
I stated that was discrimination because Im on XXXX. 

This morning XX/XX/2020 I receive a PDF without a Password. Attachment included. I call the number later on in the afternoon. Also Screenshot of all included. 
I explained to representative about the email without a password as the fact I was discriminated due to my income. 
She transfers me over to her Supervisor XXXX. This was all from my cell phone XXXX. 

She rarely let me talk. Talked over me and told me the reason for denial was because my rent was XXXX $ for and my income is close to XXXX $ per yr. Income was not enough. 
I said I applied for a Home Depot Card and was accepted. She replies! Yeah. And your rent income was not put in. If it were, it would have been denied. Im looking at your application right now. 
I stated, first off. I did not fill out the application at Home Depot. I told him ( The Associate who processed Application ) I paid XXXX . My son and I go half and half on bills.. 
I filled out the Best Buy Application va internet. Why would I lie? 
She said! Well. You do not make enough income for a credit card. This is a Federal Law That was signed by Obama. Anyone making XXXX or less should not be approved. Really? 

I told her. So explain to me this. I have a secure credit card~ a Home Depot Card.~ pay half water ~ light~ Cable ~ XXXX Prescription Insurance premium. Which I make payments on. 

She said! And the Home Depot would have been denied. It had XXXX income. There you go CFPB ... Youd think with XXXX income on rent you would get a credit card? 
No.. 
I tried calling Corporate Office Liason. But waited for close to two hours and hung up. Given to me by the screenshot with XXXX area code. 

I want them to remove that Hard copy inquiry which hurts my credit. Stays for 2 years. 
All I wanted was to purchase a printer. 

This is full-blown XXXX discrimination due to financial status. Not to mention, my credit score came down a couple of notches ..
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

1. XXXX is reporting inaccurately XXXX XXXX XXXX XXXX XXXX account as a potentially negative account. 
2. The XXXX XXXX XXXX XXXX XXXX is a paid account.
Consumer complaint received 2020-10-19
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. (TX)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2015-08-10
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I receive paper statements from Capital One. Their statements say " payment received by due date or a late fee ''. Several times already, I have been charged a late fee even though I made payment on their website on the due date. Every time I contact them, they say it was charged because I did n't make the payment by a certain time on that day for it to post quickly. Even though the authorization shows it was made that day. No where on their paper statement does it say it has to be by a certain time on the due date. once again today I am contacting capital one about late fees on XXXX statements and I 'm getting the same run-around again. They are only willing to waive XXXX of the late fees. My point in the past is if I had mailed a check/money order dated or post-marked the due date, it would be accepted but my making a online payment ( which is faster ), is not acceptable for that date unless its ' by a certain time. None of my other credit card companies do this. I dont ' mind late fees if my payment action is actually late, not on the due date. This I mind and getting tired of keeping track of something that I ca n't just pick up the statement and see it in writing.
Consumer complaint received 2022-09-06
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: CL Holdings LLC (TX)

Someone duped XXXX XXXX out of {$3400.00} I will presume using my SSN or other identifying information. Although I have contacted XXXX XXXX and the collection company they sold the debt too the issue remains. I have not ( and never will ) ever been a customer of XXXX XXXX. There is 0 % chance they have any documentation with my valid signature authorizing this debt. I tried to go through XXXX and they " verified '' the debt. How exactly? Like I stated I have never opened an account with XXXX and I am 100 % certain that my information was used illegally. This should be XXXX 's problem not mine. They gave away {$3400.00} to a criminal not me.
Consumer complaint received 2022-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I graduated college in XXXX and knew I would be out of the country for the next 7 years. I called my student loan servicer ( Great Lakes ) and asked what my best option for the next 7 years would be seeing as I would have no job and I would be unable to communicate. I was told my best option was forbearance ; that is what I did. During the 7 years they had communicated with my mother ( who I gave power of attorney to ) and my loan has been going to forbearance and out of forbearance and the back to for forbearance ; at which time my interest would capitalize and be added to my principal. Finally, in XXXX I was put on IDR, which is what I should have been on this whole time. Unfortunately, my capitalized interest currently is close to {$11000.00} and my loan which initially was {$31000.00} is {$45000.00}. I understand that I have a huge responsibility to take on this, I was XXXX XXXX XXXX and I just went with what the loan advisor told me was best option instead of what I am doing now, which is research everything and finding out what is actually best ; but there is a level of frustration that comes with knowing that they were easily willing to capitalize my interest without letting me know that it was not my best option. They state that they let my mom know about IDR and I cant say one way or the other about that but I specifically called and asked what is my best option here and to suggest forbearance knowing I would be unemployed for XXXX  years XXXX dont know if I have the right words for that. I know I cant go back and change anything but I honestly dont want this to happen to someone else.
Consumer complaint received 2016-06-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I had a direct deposit with my bank and 2 days before i was to get paid again they closed my account and has yet to give us a reason. They said they do n't have too and since they closed my account i have not been able to get and account anywhere else it 's like i have been XXXX. I just want to fined out what happened to cause all this.
Consumer complaint received 2022-09-06
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 have received my credit report and there is fraudulent accounts being reported on my profile from XXXX and Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-02-26
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: CL Holdings LLC (AZ)

On XX/XX/XXXX I became aware of a fraudulent, hard credit inquiry for XXXX XXXX on my XXXX  credit report from XX/XX/XXXX. I placed a fraud alert and credit freeze at all three credit reporting agencies XXXX, XXXX  and XXXX. on XX/XX/XXXX. I called XXXX XXXX at their phone number XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to inform them of this fraudulent activity and on each occasion was informed that no account had been approved or created in my name and that the inquiry would be removed from my credit report. I also informed them of the fraud by email at XXXX on XX/XX/XXXX but received no response. I requested information from them in writing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX on XX/XX/XXXX and from XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX on XX/XX/XXXX but received no response from either. On XX/XX/XXXX I received a notice of collection from XXXX XXXX XXXX XXXX for {$1800.00} for XXXX XXXX Account # XXXX. I never received any billing or correspondence from XXXX XXXX regarding this account, where this transaction took place or what it involved despite requesting it as described. I tried to submit a fraud claim directly to XXXX XXXX electronically several times but I am always denied the final submittal despite supplying all requested information. I submitted an identity theft police report to the XXXX Police Department on XX/XX/XXXX after receiving the collection notice and getting nowhere with XXXX XXXX. I will attach the police report and letters sent to XXXX XXXX if possible.
Consumer complaint received 2022-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2016-01-10
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (OK)

Money frozen says acct on hold since their site crashed XX/XX/XXXX. talked to dozen of customer reps promise to fix it refund it or send a check. NOTHING ever happens they intend to keep the money of XX/XX/XXXX people
Consumer complaint received 2016-11-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

The borrower XXXX XXXX, was approved by the first mortgagee, XXXX ( ie. the loan servicer ) for a short sale on his primary residence and under the short sale approval letter, the first mortgagee had agreed to waive a deficiency in excess of {>= $1,000,000}. To close the transaction, an application was made to the second mortgagee, Chase, to obtain a release of lien in order to deliver clear title. The First Mortgagee, XXXX, provided for a payoff of {$8500.00} to Chase on the second mortgage. The short sale approval letter on the first mortgage expires on XXXX XXXX, 2016. An immediate application for approval was submitted to Chase on the second mortgage on XXXX XXXX, 2016. Folks in the Chase collections department are handling the matter. They are seizing the opportunity to delay the transaction, to forbear from rendering a decision, solely for the purpose of holding up the borrower, hoping they can extract more funds from the transaction. It appears that Chase through its senior vice president, XXXX XXXX, Chase has refused to address the application on its merits. As a result, XXXX XXXX will be losing his ability to close under the terms of his approval letter on the first mortgage.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

There was an error with this account online. I paid it once I realized what was going on. I think there was an error with my auto pay. There should have never been a late payment with this account. There is a 30 days late payment with XX/XX/2016, there should have never been a late payment.
Consumer complaint received 2024-03-11
Product: Mortgage — Manufactured home loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER HOLDINGS USA, INC. (FL)

Started a claim with XXXX XXXX against Santander bank to correct the issue. Came back as updated but nothing changed. Filed a second time with XXXX XXXX and spoke with XXXX XXXX directly on two occasions. Dispute Came back a second time as completed but nothing was changed. The Santander bank confirmed the loan is for a mobile home with no real estate and land is owned by town of XXXX. I want them to show the loan for what it is. They are listing it as second mortgage which is not lawful as it is merely an installment loan on a mobile home. I believe they purchased the loan from XXXX XXXX  originally and the classified it as a mortgage for their own benefit or bookkeeping. The classification of a second mortgage implies Im over leveraged on my home mortgage as no address or information showing it is a mobile home on private land ( not owned by me ). This information is misleading, incorrect, and likely unlawful yet they will not change it as viewed on the credit report. A third dispute has now been filed with XXXX XXXX and they are requesting the information in writing but I have no hope things will change as it has not for last XXXX disputes.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (MI)

Corelogic continues to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other names listed on my report. My address is XXXX XXXX XXXX XXXX XXXX MI XXXX there should be no other names on my report. Corelogic is causing me harm by reporting this incorrect information.
Consumer complaint received 2015-08-26
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I am writing to dispute my Costco/retail services Capital One credit card. I found out my credit score took a significant hit from XXXX to XXXX since XXXX XXXX. This was alarming due to my score having been XXXX or greater for the last 10 years. My Credit Lender pointed out that it was due to a Costco account that has been delinquent since XXXX XXXX in the amount of {$150.00}. This amount reflects late fees on a yearly Costco membership that I was never notified of. My lender stated that he has seen this situation with other clients from time to time. 
Our situation is that we moved from XXXX, XXXX in XXXX XXXX. We have not used our Costco card since XXXX XXXX. Since our move, I personally had all mail forwarded to our new address in XXXX, XXXX. We have been receiving our normal bills with the yellow change of address labels affixed. Mysteriously we never received any notifications or bills from Costco/Capitol One. This was never a thought due to the card not being used in over a year. 
I immediately contacted Capitol One and spoke with a supervisor. I presented my case to her. After some review, she found that our mail was returned to sender ( Capitol One ). Not only was my mail returned, my account had been closed. I wrote a letter to Capital One credit department on XXXX/XXXX/XXXX without any resolution of removing this delinquency from my credit report. I am requesting that this be removed from my credit report and taken care of as soon as possible. As you can imagine this greatly affects the status of my loan aplication. As mentioned, my above credit score is a reflection of my timely payments to all of my creditors. As you will see in my payment history with Costco since approximately XXXX, I have never been delinquent. I hope you can see the uniqueness of this situation. I greatly appreciate your consideration.
Consumer complaint received 2017-05-23
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: EQUIFAX, INC. (FL)

On  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX , there are multiple inquiries from  XXXX   XXXX  and  XXXX  on my Equifax Credit file that I did n't authorize.
Consumer complaint received 2016-01-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CHARLES SCHWAB CORPORATION, THE (FL)

Charles Schwab has placed a hard inquiry on my XXXX credit report when I applied for the checking account which is not a credit card or a loan product. I did not ask Charles Schwab to extend any credit to me in any way. Lots of banks make soft inquiries on credit reports for products that does not extend consumer any credit ; however a hard inquiry was not mentioned in the terms nor was it necessary especially I did not request any credit.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (PA)

Mortgage was paid off to Homepoint on XX/XX/2020. Company claims check to refund the escrow account was issued on XX/XX/2020 and sent out on XX/XX/2020. This check has never been received. I called numerous times and it wasn't until XX/XX/2020 that I was told the previous check was being cancelled and a new check would being issued on XX/XX/2020. I called Homepoint on XX/XX/2020 and was advised the new check still had not been issued. I called Homepoint on XX/XX/2020 and got the same response which prompted me to ask for a supervisor. The supervisor I spoke with ensured me she was escalating the claim and that she would contact me back via phone to tell me when a new check would be sent ... ..I never received a return phone call. I called Homepoint on XX/XX/2020 and the representative I spoke with told me the check was SENT on XX/XX/2020. I made sure to verify the check was actually SENT and was told it was sent! After waiting over a week for the check to arrive and it hadn't, I contacted Homepoint again on XX/XX/2020 and was told that the check had been issued on the XXXX but as of the XXXX had not been sent out ... ..over a week later!!! I was sent to the escalating department where I was told by the representative that he would email me back which never happened as of this time. It will be 2 months on Sunday since this mortgage was paid off and I still do not have a refund check for my escrow funds in the amount of {$3300.00}. I have been given a run around for 2 months now with excuses and wrong information. I asked if the money could be wired and was told no because it cost money to do so. I also asked if they could put tracking on it and they said no. At this point I don't have much faith that a check was ever mailed out in the past 2 months!!
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Greetings, We are in a Foreclosure of our home which we have owned for almost eleven years. 
Previously, We had an incident which put us in a Foreclosure status ( my dad was in XXXX different hospitals for almost eight months, until he passed away ). 
At that time, ( XXXX/XXXX/XXXX ), we " Reinstated '' our mortgage and paid XXXX ( {$23000.00} ). 
We are now dealing with my husband being unemployed after thirty four years at the same employer, and my real estate business had declined. 
I submitted all the requested documentation to apply for a HAMP, and my mortgage company, Wells Fargo, denied the request, stating we had already received a HAMP modification. 
My understanding is monies are not requested nor given to the Mortgagor/Servicer when a HAMP modification is received. 
Today, I received certified letters stating our home is in Foreclosure and a Sale is imminent. 
On XXXX XXXX, XXXX, I faxed a letter to Wells Fargo requesting the documentation showing we had received the HAMP modification. 
As of today, XXXX XXXX, XXXX ( over two months ) and I have not received any documentation pertaining to a previous modification. 
We do not want to lose our home, and would appreciate greatly acting on our behalf. 
Thank you kindly in advance, XXXX, Ca. XXXX XXXX cell Wells Fargo/American Servicing Company Loan # XXXX