davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-29
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2020-06-03
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: WELLS FARGO & COMPANY (AZ)

I opened up a credit card with Wells Fargo a couple of months ago with a credit line of XXXX. I did a balance transfer to pay off high interest credit cards which they advertised ) 0 interest for 18 months, so it looked like a good offer. This put my credit card at 55 % utilization plus a couple other charges. I never payed late. I got my statement on XX/XX/2020 with my minimum payment due, and my current credit limit of XXXX. I noticed on XX/XX/2020 they decreased on their website my credit limit so now my usage is at almost XXXX percent. I understand they don't have to notify me of this, but this a new account and I have never seen this happen. I called Wells Fargo and ask them why they said because I opened a new credit card somewhere else ( I opened a XXXX  card because I just bought a house ) and I and my checking account is low- ( I have Checking account with Wells Fargo ) I told them a checking account is not a savings account, and that I have two savings account with another bank do they need proof ) to make a long story short if they pulled my credit report I have several credit cards, and my overall credit usage is under 20 % with 80 % of them with NO balance, I only used so much on this card because of the balance transfer. My credit is over 700- which is considered good standing on credit reports. I feel this not only will dropped my credit score but could jeopardise my existing credit with my other lines of credit. This is just bad practice.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

i have tried several times with Equifax and each time they have come back claiming that it is being reported accurate and this item is being reported like its a credit account but it is a judgement from court i would your help to have this item to be reported correctly. 


Equifax Account : XXXX XXXX Account # : XXXX
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Loan still shows open on credit report. Contacted XXXX XXXX. They told me to login online. Loan does not show up. They refuse to send a statement. Need paid in full statement for mortgage. Please help.
Consumer complaint received 2022-04-05
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. (FL)

In accordance with the fair credit reporting act conversion XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX account # XXXX has violated my rights. 
15 USC 1681 section 602 a states that I have the right to privacy, 15 USC 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish my accounts without my written instructions.
Consumer complaint received 2022-07-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't 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 over 719transunion has me at a score around 590. 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 n 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-07-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to  request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.
Consumer complaint received 2021-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (FL)

I am a customer of BBVA Compass and my bank was recently acquired by PNC Bank. I was reviewing my account and noticed a {$3.00} fee pending on my checking account and a {$2.00} fee pending in my savings account for paper statements. I never had paper statements with BBVA and this should have transferred over when my account was transferred. Instead, when I went to change my statement preference to paperless, I was told that this would take effect for the next statement cycle but nothing could be done for the current cycle. I should not have to pay any fees for a service I did not have, did not request, and can not opt out of. I want my fees refunded.
Consumer complaint received 2018-11-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

My mom had less than 9k left on her mortgage. At that time she suffered for XXXX  of XXXX XXXX. She fell behind on her payments. A representative from Ditech came to the house to take pictures for foreclosure. I asked if I could help in catch up with the late payment which equaled under 2k. I offered to pay double payments a month beginning that month. I was told I couldn't do that and had to get a loan modification to stop the foreclose. I sent the paperwork about 7 times and I always got the runaround. During all these attempts, they continued to add up the months I wasn't allowed to make payments because of the modification process. They then foreclosed and sold the house to themselves in an auction that didn't happen. Now they offered to sell me back the house for 4x the amount originally owed. I was willing to do it to keep my mom, which now has XXXX, at home. I was told to get a co-borrower to ensure being granted the loan. When I told them I was having to do it alone, they took the application and within a day told me I didn't qualify because of my credit. So I asked if i could reapply with my long time boyfriend who had better credit than me. I was then told they don't accept co-borrowers. Now they served us an eviction citation and we have court. The judge granted me a continuance to help me find help. The day it was granted, a representative from ditech came to the house and told me to start packing because they were putting my stuff on the street the morning after our court hearing. He also said he recommends I find somewhere to take my mole and start getting her adjusted to new surrounding because of her condition. My mom was done wrong by this company who has a track record of XXXX  over their clients. Now all I can do is pray for a miracle or we will be homeless.
Consumer complaint received 2021-08-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have been trying to remove XXXX XXXX XXXX from my Experian credit report since XXXX of XXXX due to a HIPPA violation. Experian says that the account has been verified even after I sent in proof of HIPPA violations twice. The last letter sent to Experian was asking for their method of verification which by law I am entitled to under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.. Experian failed to provide me with their method of verification within the 15 days allowed by law not once, but twice. Instead of verifying how they investigated they opened yet another dispute which was not the intentions of the letter. I specifically asked for their METHOD OF VERIFICATION and they failed to provide it. Please remove this account from my credit report as it violates my rights.
Consumer complaint received 2022-07-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hi, On XX/XX/2022 I noticed a money transfer from my Bank of America credit card to XXXX XXXX. The amount is {$28000.00} and was not initiated by me. After this observation I have reached out to Bank of America after what felt like an endless waiting I could talk to a representative. I filed a complaint and received the complaint ID XXXX. I received very little insight on what has happened and there was a lot of focus on sending me new credit cards but I truly only care right now to receive my money back. They told me that they are investigating and will try to get my money back. The investigation may take 60 days.I can not see to which XXXX XXXX account the money from my credit card was transferred to. 
The week before I noticed that somebody has accessed my online account and I immediately changed my password and changed the login such that every login even from my usual device will require a 2-factor authentication. Before only money transfers required a 2-factor authentication. I also reached out to Bank of America where it was very hard to be able to talk somebody. After finally talking to a representative she checked and said everything is fine now. 
This is a very troubling experience and I feel I have no true control over my credit card. After further reading about it in the internet it seems as somebody initiated a " cash advance '' from my credit card but I have no idea how this could be achieved without my approval.
Consumer complaint received 2021-08-21
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: Seasons Collection Service (NE)

XXXX XXXX XXXX is stating I owe them {$1000.00} for something that I never brought or product that I never received. The Credit Bureaus are not of much help as I have disputed this item 5 times and I still have to continue to show proof with a police report and Federal Trade Commission report. However XXXX XXXX XXXX  do not need to provide any proof to the credit bureaus. Please provide information as to what to do next? This has been going on for almost a year and still with no resolution.
Consumer complaint received 2020-05-04
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. (TX)

I have been monitoring and trying to remedy the affects of ID theft and recent data breach by Equifax and FEMA on my credit reports for the last couple of years, especially the last year. The three CRA continue to allow inquiries to my reports without valid need and sell my personal information for profit after requesting not to because of identity theft. I have completed numerous online disputes, sent multiple detailed certified letters to each credit reporting agency along with sufficient proof as requested. The CRA refused to remove one entry after multiple disputes until I sent in a court order of dismissal, even then it still appeared for several months. This is just one example. The CRA do not give me the information as to my dispute investigation, only refer you to the creditor to work out on your own, however this is the job they are paid to do. XXXX  and Equifax refuse to properly investigate/reinvestigate or remove fraudulent, outdated and erroneous information, even information that has already been removed from other CRA. I have provided detailed information to each CRA, have submitted consumer statements that are not listed on my reports along with submitting the copies of their reports with the highlighted errors. Each CRA has been in direct violation of the FCRA on multiple issues. I have been under tremendous stress and anguish over this and have spent hours and a lot of money as well as being denied credit, insurance and have been given extremely high interest rates because of this. My next step within the next thirty days will be to remedy in the state or federal court as XXXX, Equifax and XXXX  continue to parrot erroneous information by third party affiliates who pay them and fail to follow rules and laws or protect my private information..
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MO)

In XX/XX/2021 I bought my new house, I went to XXXX XXXXXXXX XXXX store to do some shopping to remodel my house and the register that was in the front offered me {$50.00} free if I paid with the credit card and requested an she offer an increase in my XXXX XXXX XXXX credit card limit, She did not give me any additional information, Only a printed ticket from the register machine and she told me that my credit card would arrive soon with additional information, the credit card did not arrive at my address, nor the additional information, I requested again for the credit card plastic and arrived a week later. 

I never get additional information about the credit conditions, nor additional details. Just a credit card and statement. I called the number behind the card and asked the operator to affiliate my card to automatic payments and sent me a link to do so, so I did it and from there they began to take my payments from my bank account, This is what I do with all my bills to ensure timely payment. 

So far it's been 25 months and when I want to use the credit again to remodel my kitchen, the worst news I received was that the entire payment of {$3100.00} for 25 months went to interest and only {$500.00} to payment of principal. 

I am very dismayed, I have not stopped crying, I feel humiliated and abused to hear from the XXXX Bank agent who answered me yesterday by phone, that there were special conditions and policies that I was totally unaware of and that at the time of offering me the credit card they did not tell me. 

Many registrars of commercial stores, only fall in love by offering discounts and instant benefits and do not explain that the card does not work as a normal and standard credit to pay for 24 or 36 months, no explain rates, interests or payment terms. 

I hereby request the full refund of the interest charged to me, as I consider it a violation of my rights as a consumer. 

Their system Takes {$150.00} approx each month for 25 months is a total of {$3600.00} for interests and that's a lot of money for a low-income family, who were unaware that it didn't work like a standard credit card. And even the debt is intact. 

XXXX XXXX # Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX Bank
Consumer complaint received 2018-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (CT)

I applied for a XXXX Visa Signature credit card and was rejected. The reference number is XXXX. That card has some XXXX free miles offer. After I was rejected, I applied for a credit card from another company and was successful. 

Then out of the blue, I received a credit card from XXXX Chase, even though I have been rejected and had not reapply. I feel that my data privacy is compromised since I have not applied for a new card ; my data has been used for a purpose I did not give permission to. Also, it appears that Visa wanted to give me a credit card but is depriving me of the opportunity to get the free miles when I first applied. 

I had called them to ask for a full explanation of what happened. I spoke to XXXX from security and fraud ( I Believe ) at XXXX because I was not able to validate an account I did not apply for. It has been a couple of weeks and I have not receive any correspondence from Visa. This is very disappointing because they do not seem to take this issue of personal and data privacy seriously.
Consumer complaint received 2020-07-08
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. (GA)

I HAVE NO IDEA HOW THIS ACCOUNT GOT ON MY CREDIT. SOMEONE IS USING MY IDENTITY. THE CREDTI BUREUAS ARE FURTHER VICTIMIZING ME BY REPORTING THESE FRAUD ACCOUNTS. I HAVE NO IDEA WHERE THESE INQUIRIES COME FROM. THEY ARE NOT MINE AND SHOULD NOT BE ON M Y CREDIT.
Consumer complaint received 2020-07-08
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: EQUIFAX, INC. (MS)

I sent multiple credit dispute with these companies asking them to investigate items on my credit report they are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I have asked and requested Experian repeatedly to remove these addresses that I have never seen before from my credit report and they will not comply. Isn't that against the law? I want to report them on record for not removing these unidentified addresses. I beleive someone is committing fraud and I want them removed immediately! 

XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX