AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have some accounts on my credit report that are not mines. I can not dispute online per Experian. Experian is not questioning these accounts just saying they are mines. I have alot of inquiries I have disputed they wont remove but yet put a fraud alert on credit report. 

Account XXXX XXXX XXXX, opened in 2006 should have been deleted due to age of account more than 8 years old and information is incorrect. 
Account XXXX XXXX XXXX, this account is not mines and this bank never sent me any information regarding this bill. I do n't know what this is. 
Account XXXX XXXX, this is not my account. 
Account XXXX XXXX accounts on this report should be deleted. I have a XXXX for them. 
Account XXXX, this is not my account and I have disputed numbers of times even sending letters from XXXX to Experian. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was victim of a " bait and switch '' scheme by LSI mortgage. They provided a GFE offering a 3.75 % rate for thirty years, two days before the closing date the rate was hiked to 4.875 %. 
Upon declining those terms I was harassed by one of their loan originators, XXXX XXXX, who at one point addressed me as uneducated, and even used xenophobe terms ( XXXX ). 
I have all the communications to back this claims. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I went to XXXX last XXXX, as I do just about every year, to check on my credit reports from the three agencies and to get my XXXX scores. I paid {$7.00} each to get my credit score number from the three agencies and somehow, without my permission or knowledge, Experian " crammed '' my credit card ( and, BTW, this was a credit card I rarely use ) with those ridiculous $ XXXX/mo. charges for " credit reporting. '' I never knowingly signed up for this! I had no idea they could do that through this site and I never noticed it until recently. I successfully got 3 months of charges returned, but they claim they ca n't refund any more. Two takeaways : 1 XXXX These companies should NOT be allowed to " cram '' charges via the XXXX website -- there are plenty of " free credit report '' scams out there -- do n't let this one consumer site fall victim to the cramming too, and 2 XXXX Experian should be punished for sneaking in these charges without customer 's express permission. I REPEAT : I DID NOT SIGN UP FOR THIS and yet, I 'm out more than {$100.00}. They should be stopped. 

Company response: Company chooses not to provide a public response
Consumer complaint: Due to internal system errors, Wells Fargo Mortgage Corporation has been wrongfully reported delinquencies on my mortgage account for the last XXXX months, even though our mortgage payments are paid automatically from our XXXX bank account for the last XXXX years, and we have never been late with our mortgage payments. We 've been contacting Wells Fargo 's customer service and they keep delaying the correction process because of their investigations of their internal issue. My credit report was perfect before this Wells Fargo 's errors, but the current bad credit reports resulting from this error has been preventing me from financing a new home or renting a house. 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed that on a recent credit report, it had an address listed for me in XXXX where I had never lived, so I 'm not sure why this address is showing up on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, On my existing account with Bank of America, with a number : XXXX XXXX XXXX. A recent summary from my account Bank of America is charging {$35.00}. The charges were made on the following dates XXXX, 2015, applies " unfair '' actions. Is attached XXXX document. Bank of America misleading on statement, such as by telling that " heck card and ATM transactions generally reduce the balance in your account immediately, '' that money comes right out of the checking account the minute you use your debit-card, '' and that " [ I ] if you do n't have enough money in your account to cover the withdrawal, your purchase wo n't be approved. In addition, the bank of America online banking service displayed pending transactions to customer in chronological order, only to rearrange them in high-to low order at the time posting in order to maximize the number of overdraft fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX I purchased a XX/XX/XXXX XXXX XXXX, and received a loan with Ally Auto. On XX/XX/XXXX I had it refinanced with XXXX XXXX XXXX XXXX. They sent an overnight payoff which The credit union has confirmation that Ally received it on the XXXX. of XXXX, Ally never posted it. Since then Ally has harassed me with phone calls on late payments. My Credit Union voided that check and sent them a new one, and straightened it out with them we thought. Now there saying my loan was n't paid off till XXXX and I stillowe a balance. They have destroyed my credit since. They are still calling me, I wentback to the XXXX XXXX XXXX on XX/XX/XXXX she called them while I was still in her office no one knew anything about it, and said they would have to investigate it. I do n't know where to go next for help. All I did was refinance my car and its been a nightmare ever since 

Company response: Company chooses not to provide a public response
Consumer complaint: I have fallen behind on my Home Depot Credit Card. When speaking with them to try to resolve this and make a payment arrangement, they asked me to update my contact information. After entering my correct information, I received an e-mail verifying my changes, my contact info has not changed throughout the course of my relationship with them. In the e-mail that they sent me, it includes my relatives phone number and not my own which they have always had. How did they get my relatives phone number and why would they have added it to my account when I did not provide it to them? I do not want anyone to now that I have fallen behind on my payments and it appears to my relative that I had provided their number to Home Depot and not my own. This is such an invasion of privacy. They should not have that number as I never provided it to them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did a background search on myself and realized that information that should have been removed has not. 
I provided the company with copies of my court order expungements. 
Please see the attached documents. 

Company response: Company chooses not to provide a public response
Consumer complaint: My sister saw an article in XXXX magazine and recommended that I contact you in hope that you can resolve a financial issue with Sear 's credit card company, Citibank. 
Due to an illness, I fell behind in making my monthly payments on my Sears Card to Citibank. Citibank charged me monthly late fees, interest and high minimum payments due that I could not possibly pay. At which point, I stopped trying to make payments that I could not possibly afford and Citibank stopped sending me statements even though my address and phone number have not changed. I 've attached the statements and noticed that they consistently posted my payments 2 months late which I would think would affect the interest calculations. 
On XX/XX/XXXX, I received a letter from Citibank stating my Sears account had been closed. It also stated it was my responsibility for any balance left on my account which was {$2400.00} at that time. 
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX ( Collection Agency ) offering a reduced settlement. I was still not financially able to pay the offered amount. 
In XX/XX/XXXX, now being financially able to settle the debt ( with family help ), I contacted the collection agency on XXXX XXXX, who told me the account was no longer with them, that they had handed my account back to Citibank. They gave me the phone number ( XXXX ) for Citibank to contact. I attempted to do so XXXX ( on XXXX XXXX and XXXX ) but got the run around. No one there would assist me. 
After those unsuccessful calls, I contacted an attorney who advised me to write to them ( copy enclosed ) offering them a payoff. I offered {$1500.00}, the amount that the collection agency proposed previously. I sent the letter certified, return receipt requested on XX/XX/XXXX which was received by them on XX/XX/XXXX. To date, I have not received any response or further communication from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015 I tried to pay some of the past due amount on my loan and the bank REFUSED TO ACCEPT MY PAYMENTS. Since then I have tried relentlessly to get assistance from Wells Fargo on my past due balance. I fell behind last year, after a car accident and having to close my business. In XXXX 2015 I received a conditional approval thru Keep Your Home California and was told by Keep Your Home California I needed Wells Fargo to also assist in order to be approved for the program. I submitted everything to Wells multiple times and they would give me different excuses everytime. First they said I didnt make enough, then they said I made too much, now they are using different ratios than what they told me before. I have received conflicting information from them and they completely ignored the assistance I could have received from Keep Your Home California that could have helped me catch up! I was told by their Manager XXXX XXXX that he didnt have time to talk to me as he was busy interviewing people becasue they needed more people to answer the phones. He also told me they werent going to help me and that I should have savings in the bank like he did, because Wells Fargo pays him very well. He also stated that my situation would not improve no matter what they did for me! I explained to him he didnt need to speak to me in that manner and that I was simply trying to catch up. My partner had also been in an accident and had been on XXXX but things were getting better for us. I have always had good credit and worked hard and we were simply having a setback and needed help. I explained to him that things were still trying to improve here in California. I have provided everything they have asked for and they are still giving me the run around, each time giving me different criteria, and playing with the numbers/ratios. I feel im being discriminated against, and am not sure why. Im simply asking for a solution/plan to pay the past due balance owed. I was told yesterday that they could start foreclosure proceedings anytime if they felt like it and depending on how she was documenting my file-I 'm still working with Keep Your Home California for assistance HELP!!!!!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have not had an account with XXXX since XX/XX/XXXX. This account was in collections in XX/XX/XXXX. Suddenly, it is being reported as opened in XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a AAA Bank of America credit card in XXXX of 2015 In XXXX I got a call about fraudulent charges from somewhere in XXXX I did all the phone calls filled out all the paper work and I closed the account after several calls it seemed as if they had no clue .I was told fraud dispute was started.I called back when I got my statement and saw nothing was done.I was told it was not started the lady I spoke to said she would start the process in the mean time I was making payments even though I wanted to pay off the entire balance just to be done with this card .I closed the account for my piece of mind. I called back after my XXXX statement seeing as the dispute still was not resolved. I was told by next billing cycle I would be given my true balance that is all I wanted so I can pay it and get rid of this card.I got my statement not only is it not resolved they added back on the fraud disputed amount and charged me a {$25.00} late fee I dont even know when my billing cycle is because they locked my account and I did not get a paper statement.I will go through the ordeal of calling fraud center on Monday. All I want is to pay off this card but my actual charges and not foreign fees or late charges. I have been victimized over and over from this bank. I had this card for XXXX months and all these problems. XXXX XXXX XXXX years no problems. The customer service stinks .I will call XXXX and tell them terminate there association with Bank of America.I hope someone can help me with accurate information the last charge I made was XXXX 2015 give me my balance minus payment what is so hard. XXXX XXXX /Acc # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent in information for a loan modification. The person who was handling my loan modification left the company. Now my calls are not being returned. My check was returned and my loan is now in default. Also, while I was waiting for an answer to my loan modification, a second signature was requested for the tax form. I have requested a loan modification in the past, ( I cancelled the loan modification because I did n't agree to the terms ) and I did not have to have a XXXX signature. It clearly states on the form that a XXXX signature is not required. I have called the company several times, and they have refused to return my calls. I have no idea why they are refusing to talk to me. I do n't understand it. I ca n't be that bad of a customer. I am not mean or rude to anyone. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX Bank of america accounts over 10 years old. 
Ending in XXXX settled years agoEnding in XXXX settled years agoEnding in XXXX settled years agoI was told upon settlement years ago Bank of America would not report any Derogatory information to the Credit Bureau and they still are beyond statue of limitations. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX of the addresses that show up on my TransUnion report are inaccurate. 

Company response: Company chooses not to provide a public response
Consumer complaint: I used XXXX to request my XXXX free credit reports online. XXXX and XXXX provided the requested credit reports immediately. Given the same information, Experian 's response was " We are unable to process your request. Please call us at XXXX XXXX XXXX XXXX. " Eight days later I tried again to get just the Experian credit report on annualcreditreport.com and received exactly the same response. Attempts to use the Experian phone menus were unproductive and frustrating and at no time was I offered the opportunity to speak with a human to resolve this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2004 I discovered I was the victim of identity thief. I filed a complaint with the police department -- XXXX, VA. For several years following I filed request for Experian to remove the information from the report. After many years of complaints to the FTC and them directly they sent me reports showing that the information was removed from my report. 

The information is still on the report and in their data base. Since they provide erroneous and fraudulent information to government agency I continue to have countless problems with receiving benefits because I can not verify my personal information. For instances, I can not apply medical insurance throw XXXX XXXX XXXX, State Unemployment or anything else. 

I have seen copies of my Experian credit report that companies have received that show the fraudulent and wrong information about me and are different then the credit reports I receive as a individual person at the same time. 

Company response: Company chooses not to provide a public response
Consumer complaint: that debt did not belong to me, to my understanding the car was paid off but somehow its still showing on my credit, please take that off of my credit it is effecting my credit score 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion reported an open balance of {$160.00} from XXXX 2013. It has been paid over a year ago but it still shows as open. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a car earlier this year, using USAA as my finance company. I was given a 13 % interest rate for the loan. They explained this was because I had quite a bit of outstanding debt on my credit report. I was told that if I took care of these debts, I could refinance at a significantly lower rate. In turn, I sold my motorcycle and other items to pay these debts off. At the time I purchased this vehicle, I was just a couple months away from deploying overseas. They told me if I send a copy of my orders, they would lower the rate for the time I would be gone. After sending the orders, they denied lowering my rate, stating that it does not apply to me. After paying off my outstanding debts, and trading in XXXX other cars for XXXX, I greatly reduced my monthly payments and obligations. I then attempted to refinance the vehicle to get that better interest rate. They then offered me a new rate that was still over 12 %. This was not helpful, and has put me in a bad place. I purchased this vehicle at a high rate under the impression that I would be able to afford it after a very short time. If they would be willing to do as promised, I would be saving between $ XXXX $ XXXX. My wife and I will be moving in XXXX of 2016 to a new duty station. We will be losing over $ 1,000/month due to lower housing allowances at our new location. We are trying to save and continue to not incur additional debt in preparation for this move. I am worried that if we are not able to have a decent rate on this loan, I will end up defaulting on it, and letting it to into repossession. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX-Reviewed a copy of my credit report and was made aware of an account opened in XX/XX/XXXX at Macy 's with a balance of appox XXXX, immediately I contacted Macy 's, spoke with XXXX and had the account closed. I then contacted XXXX to have a fraud alert placed on my credit file. Also, I began the dispute process on the account through the credit reporting agencies. 
XXXX XXXX contacted the fraud investigations department at Macy 's and filed a fraud case # XXXX stating the account was not authorized. I was advised the statements had been sent to XXXX XXXX XXXX XXXX, AL XXXX and then XXXX XXXX XXXX XXXX, AL XXXX. As requested I provided all the required documentation to the Fraud Investigation Department including a copy of my drivers license. 
XX/XX/XXXX-Macy 's acknowledged receipt of the fraud claim via mailed correspondence. Throughout the fraud " investigation '' process, collection notices were continuing to be sent. 
XX/XX/XXXX-Macy 's fraud investigation department mailed a letter stating my fraud claim could not be accepted and did not state a reason for the denial. 
XX/XX/XXXX-Feeling very frustrated and out of options, I eventually called Macy 's trying to get answers since the collection notices and calls were continuing. I contacted customer service at XXXX and spoke with XXXX XXXX. I explained to the representative the situation and asked for copies of all the statements for the account since it was opened. I also requested a copy of the credit agreement I had " supposedly '' signed. She initially responded by saying it would not be possible but then said some of the statements could be provided for {$3.00} but then stated she would be unable to assist me with my request.I was then transferred to XXXX in the Fraud Prevention department.I then recalled the story once again and made the same request for copies of the statements and the credit agreement. I also requested an explanation of why my fraud claim was denied. XXXX response to me was as follows, " Payments were being made on the account, so it was n't considered fraud ''. She then gave me another number to call XXXX which from the automated system referenced bankruptcy claims. 
I 'm not sure if this is the best place to turn for an attempt at a resolution but I figured it was worth a shot. I 'm a single parent of XXXX children and ca n't afford negative accounts on my credit report. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Sears credit card is constantly contacting me regarding the debt my husband obtained and in which he is incarcerated. I have told them numerous times and the continue to contact me all day long. And I tell them what is going on and apparently no one reads any notes so then they want to know all this information about me and I am not on this card with him. I was trying to pay as much as I could for him but due to me not being able to sell and buy my house I am unable to any longer afford his debt. But they continue to call for him all day long everyday. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a XXXX loan and it has been passed through hands many times. At this point BSI Financial Services has my paper. There is an agent that has been recently assigned to my case and he sent out an independent contractor to put a padlock on my front door without any due process. I have a tenant in the home and he can not get inside. BSI financial services whom I have been in discussions will not return my calls and I have not been served any documents to substantiate their actions. I was in negotiations with BSI to arrange a cash for keys or a possible restructuring of my loan and they will not return my calls. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello, A while back I had to have my credit pulled so my wife and I could get pre-approved for a home. XXXX of my credit scores were great, while XXXX was roughly XXXX. I found out that I had a delinquent balance of {$90.00} from XXXX XXXX regarding a bill I did not pay because I no longer lived at the apartment I moved out of. I canceled my cable subscription and returned my equipment and was not aware of any termination fee. That being said, I paid the collection bill right when I found out. It was for {$90.00}. That was back in XXXX 2015. Now I had my credit pulled again to refinance my car. The collection was still on my credit report as unpaid. I called XXXX and they told me to contact Enhanced Recovery Company. XXXX told me that there were XXXX open delinquent non-payments of {$90.00}. They had finally told me that I paid it off in XXXX of 2015 after telling me several times that there was no payment on that account. The reason for XXXX open cases is because they gave the collection back to XXXX XXXX and then XXXX XXXX asked for it again creating XXXX delinquencies. I was not aware of any of this during the years this has been attacking my credit. I now can not get approved for the car loan I want. 

They told me they can only update the file and they ca n't tel XXXX or whoever to remove it despite it being their mistake. I spoke to a XXXX XXXX at this company. I am looking for someone to get this removed from my credit report so it wo n't bring it down for 7 years. It started as a bill I had no idea about because I no longer lived at that residence and was not told about it. Then it turned into a collection that a company did not even list it as paid until yesterday. This is really hurting my credit and I am hoping the CFPB can help. I really appreciate what you do. This coming from a person that lives in the state where XXXX XXXX is my Senator knowing she played such a pivotal role at the creation being nominated. 

Please let me know what I can do for this collection agency to have it removed. Thank you! 

Sincerely, XXXX XXXXXXXXXXXX 

Company response: Company believes it acted appropriately as authorized by contract or law