davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (AR)

Hello, I have a wells fargo credit card through XXXX department store and I went to the wells fargo website looking for financial help by consolidating my dept into one payment so it would help me. But this is what i got instead. They figured out how much credit that could allow me which was {$3000.00}. Then they took the entire amount and made a payment to my Wells Fargo XXXX credit card. Now I have two payments that i can not afford. This is bait and switch tactics and it should be illegal. On top of that they will not give me an option to give that credit applied to my other card back to close my account. They got me in a situation THAT I CAN NOT GET OUT OF.
Consumer complaint received 2020-01-18
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: CORELOGIC INC (NY)

To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing. 
This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer. 
If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.
Consumer complaint received 2021-08-25
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. (WA)

On XX/XX/XXXX I submitted a dispute of hard inquiries in which I did not authorize on my credit report. After submitting my report, I called Equifax to get the information to fax over my supporting documents. I was told I needed to submit my police report or FTC report, a copy of my driver 's license, social security card and make sure to include a cover letter with all of my identifying information. That same day I went up to XXXX  to have all of my documents faxed over to Equifax. I called them on XX/XX/XXXX to confirm they received all of the necessary information and was told although I faxed all of the documents, it still would take 3-5 business days to process and to check back the following week. On XX/XX/XXXX, I called and spoke to a representative named XXXX who informed me that my dispute was closed on XX/XX/XXXX ( Sunday ) ( I never received notification ) because my supporting documents were hard to read. She stated that the copy of my social security card was very dark. I asked to speak to her supervisor, XXXX, in the Fraud Department and she told me the same thing basically. My frustration is that my dispute was not thoroughly investigated and if document were needed to be re-fax the proper order would have been to notify me but to just close my dispute as if it was investigated was not right. I spent {$15.00} paying to have the documents faxed all for them to say because they could see the copy of my social security card clearly but could see my other documents. I informed her I would be sending the documents in the mail and would have them overnighted but it is very disappointing to have to spend more money and time when I thought this whole time they had everything they needed. I did not ever have these issues when I went through this same process with XXXX  or XXXX. I am reattaching what I sent to them.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

After XXXX attempts to get XXXX fraudulent inquiries removed from my credit report I have been unsuccessful with Equifax as they have been simply stone walling me with stalls in resolving the issue. I was notified by mail that health insurer did experience a breach of data and I suspect that this was the cause.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the deletion of inaccurate information on my Equifax credit report concerning XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account has already been deleted from my XXXX credit report and should therefore also be removed from my Equifax report. 
According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Additionally, under 15 U.S.C. 1681i ( a ), consumers have the right to dispute inaccuracies on their credit reports, and the credit bureau must reinvestigate the accuracy of the disputed information. 
The presence of this XXXX XXXX account on my XXXX report is a clear discrepancy, as it has already been verified and deleted from my XXXX report. I have attached a copy of my XXXX credit report reflecting this deletion for your reference. 
Please take immediate action to delete this inaccurate information from my Equifax credit report. I expect confirmation of the deletion within the legally mandated time frame.
Consumer complaint received 2019-02-17
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. (GA)

This on responds of a previous complaint to credit reporting agencies, who has refused to block information place on my credit file, I have filed an FTC complaint, and i'm sending my ID, SS, and a utility bill probing my identity and ones more requesting the block of items that do not belong to me. 
I hope these are sufficient proof to place a block, let me know if you need anything else. 

Thank you.
Consumer complaint received 2017-06-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This letter summarizes our current situation. Thanks. XX/XX/XXXX  To BOA RE : BOA Loan Numbers : XXXX and XXXX VIA FAX : XXXX and XXXX We are not accepting the LOAN MODIFICATION trial offer to modify our first loan in XX/XX/XXXX,  because instead of helping us reduce the payment you are increasing it to {$2900.00}.
<P/>
Our payment used to be a third of this amount, so you are actually increasing it three-fold. How is that helping us? We also requested your help to modify our second loan and you declined us.
Therefore we still have to pay on top of the {$2900.00} an additional {$900.00} for the second loan From Bank of America. When you add both loans together the new mortgage payments are almost {$4000.00}!
<P/>
I started the refinancing and Loan modification processes back in XX/XX/XXXX to let you know that we needed help to modify or refinance BOTH loans, and now 6 months later you 're still offering preposterous Loan Modifications that are completely unaffordable.
<P/>
We have saved all the documentation that we received in the last 6 months from BOA and I will be sending everything to the corresponding Mortgage monitoring agencies so that your Bait-and-Switch practices can be stopped. Especially The fact that after so many phone calls and so many emails your responses to our questions were confusing. Moreover, you kept transferring us to many BOA Departments without a straight answer. Nobody could tell us what are the terms, and basic information of this trial loan modification. How can we make an informed decision?
<P/>
We have been paying our mortgage on time for the past 10 years to BOA, since the terms of the loans changed we wanted to make sure we kept our credit in good standing, but unfortunately you failed to help us.
<P/>
This whole process with BOA has been very frustrating.
<P/>
Sincerely, XXXX XXXX  XXXX XXXX CC : Office of the Comptroller of the Currency ( OCC ) CC : Consumer Financial Protection Bureau ( CFPB ) Fair Housing-US Dept. Of Justice Federal Trade Commission ( FTC ) Equal Credit Opportunity Act ( ECOA ) Truth in Lending Act Fair Credit Reporting Act Department of Housing and Urban Development [ HUD ]
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX
Consumer complaint received 2017-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (HI)

Final payment of loan amount of mortgage was not properly applied. Overpayment went to a suspense account which was greater that the remaining balance. The actual amount was less than the amount owed. Reach out to Carrington Mortgage  Sevice  and spoken to  three  representatives  (   XXXX   X/XX/17   ,  XXXX    X/XX/17    ,  XXXX   X/X/17     )  had not had an amicable resolution. I was informed that I would need a payoff request that was sent to me prior for final settlement however the pay-off showed a refund to me rather that amount owed. A negative derogative was submitted to the credit agencies.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (TX)

Checkr a background check reported out dated infomation about me. They reported a   XXXX   XXXX   from 22 years ago and i was denied employment because of the report
Consumer complaint received 2024-11-01
Product: Credit reporting 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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Identity Theft Report Fraudulent Inquiries Dear EQUIFAX, I am writing to formally dispute several inquiries on my credit report that I believe are fraudulent and the result of identity theft. I have not authorized these inquiries and would like them removed from my credit report. 
List of Fraudulent Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Equifax I have enclosed copies of my identification and a FTC report that confirms the identity theft. I request that you investigate these inquiries and remove any that you confirm are fraudulent. 
Please confirm receipt of this letter and provide me with updates on the status of my dispute. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-04-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

In XXXX of 2019 we started the process to look for a new home. See the attached Consumer Explanation Letter ( Provided by XXXX XXXX ). We saw on this document that we had 8 derogatory accounts. As this was the first time we had ever seen this, we let them know that NONE of the reports had any validity. 
First the XXXX XXXX XXXX was from a refinance that went bad, and we were held XXXX by XXXX XXXX XXXX, XXXX XXXX, and XXXX Bank. In an attempt to refinance with XXXX XXXX ( who helped us along the way ) the servicing lender paid the taxes for our property, and the new mortgage company also paid the taxes at the same time. This created about seven months of insanity ... all while continuing to pay the new mortgage on time, and without delay. But since the old mortgage company claimed we needed to pay the taxes it was reported that we missed our mortgage payments on the old mortgage. We never missed a payment. We were told by all companies that they resolved this so that it would never show up on a report ... and I need this removed ( # 8 ). 
The first 7 derogatory accounts are not mine, and I've never even seen a bill for services, nor have I ever been contacted to pay them. I attempted to call Equifax since they were the ones listed as reporting them. They gave me the number for the reporting folks " Merchants Credit Guide, XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; Phone XXXX. I called them and the number is not a working number. I called Equifax back and they said that I could dispute the claim. I did that and they said that they verified and they were in fact my charges. They gave me the same number to call and I submitted another complaint / credit file with them, and I have included it for your review. They said that the hospital and urgent care places that my daughter in XXXX at the time had gone to, had my contact info as responsible party. That was not true, and I didn't authorize any charges for XXXX XXXX, nor was I given a copy of any bill or collection request. Obviously this is something that can be fixed, but the hospitals sold the collection to the agency, and the agency isn't there anymore, so now I'm stuck with this on my report and I need it to go away.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO
 PRIVACY.

15 C 1681 SECTION 604 A SECTION 2: IT ALSO STATES A
CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT
WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am writing to express my serious concerns about multiple discrepancies on my credit report. After reviewing it, I noticed several inaccuracies, including incorrect account entries, billing inconsistencies, and accounts that do not belong to me. These issues are jeopardizing my financial security, and I urgently seek your assistance in addressing them.
Consumer complaint received 2017-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have  two  accounts with  Capital One  that are past due, they flat out refuse to help in anyway, shape or form! I was on an " early assistance '' program, that ended and now I can not pay the bills. They wont let me go back on it, they said my accounts are not qualified for a collection status at all. They wont lower payments or interest rates at all.   I have several other credit cards that have eliminated the interest rates  COMPLETELY f or 6 months, and capital one a multi-billion dollar company flat out refuses to do that!!!!  <P/> And none of their " kids '' are trained at all, I was transferred to so many departments and they all had no clue about my account at all . SO FRUSTRATING.  I want those two accounts on a program that eliminates the interest totally and lowers the payment.  <P/> And their " automated " system doesnt work at all, it was supposed to transfer me to collections, and it takes you wherever!
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (NY)

Im writing because I was scam on my 2 debit card from Chase bank and XXXX XXXX XXXX. I called them to explain but they told me that the person have my debit card and he used the atm machine to deposit a fake check so they couldnt do nothing about it. The problem is that I was new in this country I dont know nothing about how banks work. This guy asked me to deposit his money to my debit card so he can take out later because hes still waiting for his card. So without no hesitation and no English I told myself let me help him to cash out his money so he told me I can call my bank and let them know and I did call them and they were asking random questions since my English wasnt that much I just replying to what I know. And later I learned that my account were closed but I didnt do nothing about it because I didnt know it would be a big problem. As years passed I want to open an account with chase bank and the lady explain to me that my account was fraud and I cant longer open an account with them Since then I start asking for help and thats what people explain me that they are people scamming others. But my main concern is that I dont know whats was going on and I didnt take that bunch of money so on my report it is stating that Im a theft and its hard for me to open a credit card and I really need a credit to finish my college. If theres anything I can do to erase please I need help. Thanks
Consumer complaint received 2017-06-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (OH)

X/XX/2017    KeyBank automatically tranfered money from my checking account to my saving account but the transfer is only to happen if the funds are there fund were not there but they tranfered anyway causing a negative balance in my account then they processed to charge me overdraft fees five totally they would only refund two of those they caused the overdrafts but refused to make it right Im being robbed of my fund because of there transfer that they did knowing the funds where not there tried to work it out with them but they say they cant do anything else all I want is my money back from there misstake
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (LA)

I have tried to place a security freeze with Sage Stream. I was unaware that this entity, has and shares information about me with other entities. I reached out to this company to no avail. I've submitted the documents on their site requested to implement the security freeze, on top of calling numerous times during their scheduled business hours without any success of reaching them. They're recording states they'll contact you back within 24 hours and that hasn't happened either. This company I feel is a fraudulent company, has access to my personal information/ identity without my consent or prior knowledge and I don't give them permission to share any information they have of mines against my wishes. Furthermore the information I believe they have is not accurate. This company needs to freeze and or delete whatever information they have of mines and let me know that is been done.
Consumer complaint received 2017-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A girl from   XXXX   XXXX   XXXX   XXXX   by the name   XXXX   XXXX   approached my friend,  XXXX  on  XXXX  expressing interest in a sublease advertisement she had posted. She offered to pay a deposit amount of {$200.00} and asked for a Bank of America account number. Since my friend does n't have a Bank of America account, she asked if she could use my account to get the money. I agreed and provided my bank account number.  XXXX  ( the scammer ) then pretended to be me and made a false claim to Bank of America that she had deposited {$2000.00}. Bank of America provided a temporary credit of {$2000.00} without verifying the identity of the caller. The scammer then told me that she had deposited {$2000.00} instead of {$200.00} by mistake and asked me to transfer {$1900.00} back. Since I saw {$2000.00} credited to my account, I thought she had transferred the money and I transferred {$1900.00} back. The scammer made several claims the same day but Bank of America did n't raise any alarm or try to contact me on my registered number or email id to verify the claims until two days later. Further, the bank closed my account without providing me any notice when their investigations revealed they were fraudulent claims. I was n't informed about the reasons for the account closure in spite of repeated calls to their claims department. The bank officials were not willing to even talk when I visited the local branch in my town. I 'm also forced to pay the overdraft fees. I 'm being treated as a fraudster whereas I 'm the victim.