davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX I have made wire transfer of {$2400.00} for apartment rental, which I found on XXXX. Within 3 hours I realized that it was a fraud and notified Bank of America to cancel wire transfer. Since recipient account was also in Bank of America the bank had full control over money and power to investigate. So I thought. A week later and several phone conversations with BoA financial claims department ( claim XXXX ) I have received official response letter suggesting to " contact the other party for further assistance ''. To contact fraudsters " for further assistance ''??! I have complained to BoA Escalations ( case number XXXX ) whose response on XX/XX/XXXX was simply a phone number of claims department again! Finally on XX/XX/XXXX I was contacted by BoA senior investigator Mr XXXX XXXX whom I've provided all pertinent information about fraud. I have not recovered lost money and want to complain about Bank of America handling of my request to withhold transfer to fraudulent account.
Consumer complaint received 2022-07-28
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. (KY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and 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 a account without my written instructions
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NM)

I have an existing mortgage with Wells Fargo on a home I've owned since 2007. All monthly payments have been made on time and most payments were in excess of monthly amount due. 

I tried to refinance my existing mortgage to obtain a lower interest rate. I provided documentation, letters, history, etc. and received no follow up questions. 

The reason Wells Fargo rejected my refinance was because : 1. Income stayed on application can't be verified and 2. Not enough time with current employer or current profession. 

1. I have provided all information requested and my income is easily supported with supplied documentation 2. I have been in the profession for over 15 years. I have owned or worked for the company for same period of time. There should be no issue with history. 

I believe there is no reason Wells Fargo would reduce their interest rate with a refinance when I already have a mortgage at a higher rate. I provided income and asset proof to show I am more than able to continue to pay on a mortgage. My FICO per Wells Fargo has historically been XXXX but recently dropped below to less than XXXX due to inquires on my credit ( which was done by Wells Fargo ). 

I am sorry to file this complaint since I've had great history with Wells Fargo but this situation is mind blowing to me. I have NO debt except the existing Wells Fargo Mortgage. My refinance request did not increase the amount of the mortgage. I've always been early or on time with payments and have overpaid mortgage amounts for years. 

There is no benefit for Wells Fargo to refinance and reduce my interest rate when they already have a higher rate with my existing mortgage. 

I am an open book and happy to answer/prove anything. 

Thank you. 

XXXX XXXX
Consumer complaint received 2019-10-29
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. (IN)

All three major credit bureaus Equifax, XXXX and XXXX have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. 

My wish is for the Federal Trade Commission and Consumer Financial Protection Bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the Federal Trade Commission and Consumer Financial Protection Bureau for protecting XXXX Personal, Family, and Household. 

This consumer is putting Equifax, XXXX and XXXX on notice of the value of this consumers personal data and signature and is warranted damages in the amount of XXXX XXXX dollars. 

Take Note : All XXXX XXXX XXXX ( XXXX XXXX XXXX ) Personal Information and Signatures hold a required value of XXXX XXXX dollars ( XXXX ), per incident ( request ) 15 USC 1692 ( A ) ( 4 ). Violations found may be cause for indictment/ penalties for Violation of Rights, Trademark/Copyright Infringement, Fraud, and Estate XXXX , etc for all parties involved. 
ACCORDING TO 15 USC1692 ( A ) 4 I XXXX XXXX I AM THE ORIGINAL CREDITOR-IN-FACT/ALL PERSONAL DATA AND SIGNATURES HOLD AN UNLIMITED VALUE/SO CALLED CREDITORS LISTED ARE DEBTORS IN FACT/EQUIFAX/TRANSUNION/EXPERIAN DOES NOT HAVE MY EXPRESSED CONSENT TO MY EXPRESS WRITTEN CONSENT TO FURNISH MY DATA.
Consumer complaint received 2022-04-13
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. (FL)

FRCA Violation auto loans XXXX XXXX FRCA Violation credit card XXXX XXXX  FRCA Violation other loans late payment XXXX  XXXX XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
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: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCY DISCHARDED XXXX {$0.00}
Consumer complaint received 2021-07-14
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. (FL)

Due to pursuant US Code 1681c 2 ( a ) consumer reporting agency shall block the reporting of any information in the file of consumer that indentify theft, no later than 4 business days!
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX a payment was issued from my title company via check in the amount of {$8400.00} to Macy 's Credit Card services. The check was to pay-off my account balance from a refinance on my home. Macy 's received the check and posted it ( cashed it ) on XX/XX/XXXX. The money never was posted to my account. After calling Macy 's customer service they can not find my money. Macy 's misappropriated the payment. I provided them a copy of the transaction from the bank to confirm the payment belonged to me with my account number and filed a dispute with Macy 's. To this date, XX/XX/XXXX, no one will provide me any information. They only say that it is being investigated and can take 30 days or longer! I have asked them to credit my account for the amount I paid. I can never speak to a manager, no one provides me any information! PLEASE, I NEED HELP with this issue. This is a lot of money!
Consumer complaint received 2022-07-25
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: I.C. System, Inc. (NC)

I checked my credit report after getting a preapproval for a home loan in XXXX, 2022 and saw that there are numerous incorrect information on my report. There seems to be accounts that are business accounts that do not belong to me as well as charge offs and collections that are interfering with my going any further in obtaining a loan to purchase a home. I have tried numerously to call these companies within the last 3 months and have not gotten anywhere. They are very rude and intimidating. XXXX XXXX told me that I had no choice but to make a payment to settle both of those business accounts listed only in efforts to solve this issue but now after I paid them in XXXX of 2022, they told me that they will keep this on my report for 7 years anyway even though the accounts belong to a business and they do not have a contract signed by me for these accounts. 
The others, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ), I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX are inquiries that I did not authorize and need to be removed. I am now aware that these are also a violation of consumer law 15 USC 168b. I have tried so hard to fix this problem with my credit report and I feel very helpless. This is causing me severe anxiety and XXXX because I am not able to move any further. I am begging for someone to help me with this please.
Consumer complaint received 2021-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NY)

RoundPoint Mortgage Servicing Corporation ( XXXX ID # XXXX ) deducted {$350.00} from the escrow account ( loan number XXXX ). They marked as delinquent tax payments to New York XXXX on the statements and on the online portal. I called RoundPoint customer service on XX/XX/XXXX since I did not see New York XXXX delinquent payment received on the XXXX site. The agent who answered the phone asked me to check with New York XXXX and call back after a couple of weeks. I ended up calling New York XXXX to verify on the same day and they verified I don't have any delinquent tax payment ( not requested/not received ) on my account but they informed me they always receive the property tax payment late and they ended up charging interest to me. 

I called RoundPoint customer service again on XX/XX/XXXX, the agent said they sent the payment through XXXX and their tax department is researching this so call back again after a couple of weeks. 

I called again on XX/XX/XXXX to check again and the same answer received to call back. I'm filing the complaint since I did not get a positive answer even though I follow up continuously with the mortgage company. Appreciate all your help.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (WI)

I used Discover card bought some items at XXXX, and I returned some on XX/XX/XXXX and they processed my refund to the discover card that I used to pay for it. The card number is XXXX. The Card was closed in XXXX without any reason by discover. On XX/XX/XXXX, Discover Company sent me the Check {$210.00}. I didnt see the check until XX/XX/XXXX. And I called discover Card company, they said theyll sent me a new check, but I didnt receive the check all the time. 
In XXXX I called discover company many times, also fax my information to them. they either said they can't find my account or they said they'll call me back, let me wait. But they didn't call me back nor issued me the new check.
Consumer complaint received 2021-02-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AK)

Wells Fargo Bank ( XXXX Alaska ) gave unauthorized access to safe deposit box letting family member empty box with No accountability without any documentation correct paper work. Bank called to inform me of the error. Asked the family member to return the items they have refused. The bank is not taking responsibility for their error and acting like there is no problem.
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (MS)

On XX/XX/XXXX, I reached out to US Bank regarding an account showing on my credit profile. The account has a balance of {$170.00} and I would like to pay the account in full. Every month, this accounts reports as 90 days delinquent, completely destroying any hopes for rebuilding my credit portfolio. 

In a hot potato phone style, I was finally passed along to a manager in the recoveries department. The manager advised she was unable to accept my payment as " Mississippi State law limits how long I can be sued on a debt ''. I asked for clarity and why it has continued to be reported every month as 90 days past due if legally they can not accept my payment. She advised she was unable to do anything and provided the numbers to all three Credit Bureaus. I reached out to XXXX and they advised they can not do anything and the account will fall off in XX/XX/2022.
Consumer complaint received 2022-11-19
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX .... 
Balance : {$0.00} ; XXXX XXXXXXXX XXXX .... Balance : {$2400.00} ; XXXX XXXX  XXXX XXXX .... Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$570.00} ; XXXX XXXX XXXX ( Original Creditor Name EXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance {$0.00} ; XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$71.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX request XX/XX/XXXX ; XXXXXXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX, XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXnquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2021-02-24
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: SLM CORPORATION (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XX/XX/2020, XXXX XXXX XXXX Inquiry : XX/XX/2020, SALLIE MAE BANK Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2019-10-29
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NV)

On XX/XX/XXXX I was contacted by XXXX that I had an individual mortgage with a past due amount. 
I disputed it knowing XXXX could not have documentation given that Ive ever owned that property. Even without documentation XXXX still backed XXXX claim against me. Previous to this my credit score through XXXX  was XXXX, and after dropped to the 500s.  XXXX never asked me for any money, instead they harassed me and ruined my credit. 
The documents that they had was a note I co-signed on XX/XX/XXXX. For the amount of {$97000.00}, with payments of {$1200.00}, at an interest rate of 13.03 % for the term of 179 months which ended XX/XX/XXXX. 
There is a new contract under just XXXX XXXX, who is the only signer, I am no longer a co-signer, my name was completely removed on XX/XX/XXXX. I was never notified of the new contract until XXXX. 
On XX/XX/XXXX the sole signer ( not me ) took out a 2nd mortgage in the amount of {$4300.00} making the total loan amount {$92000.00}. Both the payment and interest rate changed and the duration of the new loan note went to 27 years. This was not a modification but a whole new contract with just XXXX XXXX as the only signer. 
On XX/XX/XXXX XXXX transferred the loan to Bayview XXXX. I again disputed it but to no avail. I never received any documentation from Bayview XXXX regarding any loan. They did admit during a phone conversation that some of the documents they had were unsigned by me. 
On XX/XX/XXXX I got help from the XXXX XXXX XXXX XXXX XXXX Nevada who were finally able to obtain the documents XXXX XXXX had. In a correspondence with The XXXX XXXX XXXX they stated I had a sound legal basis for dispute. 
On XX/XX/XXXX The legal aid accomplished all they could for me given their resources and suggested I contact Consumer Financial Protection Bureau. 
This situation has affected my credit score and livelihood. I will be XXXX years old in XXXX, living on a set income from Social Security of {$1100.00} per month. As a result of my now lowered credit score I can not get approved for new low-income housing, which is needed because my rent has gone up. I was unable to get a good rate on my car loan, and even my car insurance has increased because of the low credit score. Most recently on XX/XX/XXXX I received an email thaXXXX XXXX  XXXX XXXX closed my credit card through them in which the account was at a XXXX balance and I'd never sent a late payment. 

I have almost 30 pages of documents to use to make my case. 

I have been fighting this for three years, and am hoping you are able to help. 
Thank you,