davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (CA)

I received a Barclays Bank VISA card, which I DID NOT apply for. I called the Barclay bank and talk to the " Relation Manager '' and she stated the applications was generated at an XXXX in XXXX CA.on XX/XX/2016. She forwarded this fraud to their fraud division for further investigation. The application had the correct social security and my home address, but INCORRECT mother 's maiden name and cell number. I immediately contacted and filed a report to " www.identitytheft.gov '' and also contacted and place a fraud alert to all my banking institution. Also contacted Social Security Administration and they lead me to the Office of the Inspector General, and I also filed a report with them. I filed a fraud alert to the XXXX major credit report organization ( XXXX, XXXX, and XXXX ). At this point I wanted to file a fraud alert to all governing parties that deal with Identity Theft. Is there anymore I can do? According to SSA, changing my social security number is close to impossible. 
Please advise.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

To whom it may concern ; As of today, I have been notified by my Experian credit monitoring service as well as I did a credit pull on my credit and noticed that not only did I have ( XXXX ) inquiries that I submitted a claim on yesterday ( Case # : XXXX ), but apparently I had other inquiries that were initiated without my consent and obviously a fraudulent attempt to gain credit/money without my knowledge. 

I did temporarily lift my security freeze, giant mistake on my part, in hopes that once I contacted my current creditor XXXX they would increase my credit limit once they reviewed my credit, to which they did. What I was not expecting is that apparently somehow an application spree was then initiated in a 24 hour span. The following inquiries were unauthorized by me ; 1 - XXXX XXXX - XXXX/XXXX/2016 2 - XXXX - XXXX/XXXX/2016 3 - XXXX/Bank XXXX - XXXX/XXXX/2016 4 - XXXX - XXXX/XXXX/2016 First off, I have called and spoken and subsequently filed a complaint with each individual creditor 's fraud and credit card services departments accordingly. XXXX is adamant that they can not remove the inquiry because they have no record in their system that it even occurred. I called and spoke with XXXX, and they more or less do n't care even after they placed me on hold for a little over an hour. They stated that they would be sending me out a form so that I can put my request in writing. I then called XXXX and found out that this inquiry was also initiated online and was forwarded to their fraud department as well. They too stated that it should n't have pulled my credit and that it was frozen. I told them that it was clearly not and asked if I could forward to them via email, fax anything that would prove the inquiry does in deed exist. This too was to no avail. I was told that they deem inquiries as a factual account even though they ca n't find me in their database. I have no idea what any of this even means. 

Again, the only actual inquiry that I did in fact initiate was with my creditor XXXX. Please do not remove this accordingly as this is a legitimate action on my credit file. 

I would greatly appreciate your help with this matter. Lastly, I have tried to place my security freeze back on my file immediately, but was told by multiple people within your " Special Handling '' department that this was impossible until the lift expires. Is there any way you can place the freeze back on my credit file in hopes that this does n't continue? My PIN # is XXXX if needed for verification purposes. 

I can be reached anytime at XXXX XXXX XXXX XXXX, XXXXXXXXXXXXXXXXXXXX or via mail at : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX. 

Thank you for your time and help with this matter. I can not begin to tell you how much I appreciate it. 

Regards, XXXX XXXX XXXX Credit File # : XXXX
Consumer complaint received 2017-01-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America and their cohorts have made multiple intentional misrepresentations related to this account and the associated Deed of Trust or mortgage. 
On XXXX XXXX, XXXX, Bank of America, XXXX, XXXX, and XXXX XXXX XXXX XXXX ( XXXX ) represented to me, the public in general, and XXXX in specific, the property was to be sold at public auction when, in fact, only the unsecured XXXX Deed of Trust has been sold for {$320000.00} ( according to information provided by XXXX ). It is unclear if the XXXX Deed of Trust has been sold to a XXXX, or if Bank of America and their cohorts have merely removed the unsecured mortgage account from one investment pool to another. If the latter is true, it is further evidence of a real estate, Deed of Trust, and mortgage back securities racket supported by business relationships established for profit while defrauding unsuspecting law abiding good folk and, if government funds are involved, the tax payers of the state and federal governments of the United States of America. 

41 ) Defrauding the citizens of the United States of America. 
42 ) Defrauding the citizens of the State of California. 

Since XXXX XXXX, XXXX Bank of America has represented to me there have been XXXX " pre XXXX '' assigned as the designated single point of contact ( SPOC ) by the names of XXXX XXXX and XXXX XXXX. To my knowledge, the term " pre XXXX '' is not a term defined in the National Mortgage Settlement ( NMS ). 

All previously mentioned resolutions are desired and mandatory.
Consumer complaint received 2024-10-03
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. (CA)

This is my several endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2017-01-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am filing a complaint yet again against the Mortgage ervicing company Select Portfolio. 
I just received a call from them that my mortgage was being referred to a lawyer for foreclosure proceedings. This after I requested and did no receive the following information. A breakdown of all fees on my mortgage being number one. The info they sent me about this was completely wrong and had nothing to do with the accumulated fees. 
I had also requested that an original copy of the legal promisory note be sent to the lawyer they use to preform the foreclosure process, so that I may exam it and make sure they actually have the right to foreclose on me and to be sure that the original note is not out there somewhere else in someone elses hands and can come back to haunt me later. I demand to see the original and I have a right to see the original. 
I have absolutely no faith in this company working with me in an honest fasion and I would hope that they would be investigated for their practices. They tell you one thing then do another.
Consumer complaint received 2017-01-07
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (TX)

My XXXX credit cards at chance had been hit with fraudulent transactions twice, and i reported these transactions promptly. I even proved that these were fraudulent transactions. So chase removed these transactions however supposedly they said i reported fraud again a third time. Which i did not do, And the reversed all the transactions and said to me that i gave authorization for these purchases. I did not give authorization. Well this led to Chase bank charging my XXXX Limit credit cards in astronomical amounts. Leading to XXXX, and XXXX on XXXX card. 

This raised the payment amounts tremendously to a minimum payment due of XXXX $ and XXXX on the other. This should n't have happened as i experienced fraud and for them to reverse the transactions and lying to me because their agent messed up and accidentlly marked my card fraud again, that was not my fault. I should n't have been charged for there mistakes. Well this led me to be late twice. So i called and got a Balance Liquidation plan. Which i still have the letter by the way. I made the first payment to this balance plan, Well i was late last month ONLY once and they sent me a letter saying if i miss two payments consecutively i will have my debt " Charged off ''. Well after this letter they went ahead and charged it off and i am not two payments behind. Therefore this is false advertisement, Not only did they ruin my credit but their debt collection actions and false letters are illegal and i am being scammed. Please help.
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 
Account in question : University XXXX ( 7 years old from what experians reporting is ) ( this dirty university will not respond to me ... how is this allowed when bureaus claim they talked to them )
Consumer complaint received 2017-01-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (KY)

XXXX forged checks were written against my checking account. The checks were obvious forgeries ( easily spotted ) but were cashed at local branches of the same bank ( Huntington National Bank ) that held my account. The person who committed offense is a known person with a lengthy criminal background. The complaint was filed with my bank and a police report filed. The police detective ( who I have been in contact with ) has had no response from Huntington Bank. Information from Huntington Bank is needed to issue warrant and arrest the perpetrator of crime. I have been told by the police detective that it is very unusual that a bank will not cooperative in pursuing an arrest and conviction in a check fraud case. I was assured by Huntington Bank early on that they would pursue charges and I would be refunded the lost funds. Instead Huntington Bank ( to the best of my knowledge ) has done nothing to assist in investigating and apprehending suspect. Instead they are blaming me for the incident for not having better control of checkbook. As a ~40 year customer of this bank with multiple business and personal accounts over the years, I am very dissatisfied with the lack of integrity and negligence of Huntington National Bank .
Consumer complaint received 2017-01-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was charged a Monthly Maintenance Fee of {$12.00} for a statement cycle. They required me to maintain a minimum of {$1500.00} a day in the statement cycle for the month. When I contacted them, I was told that I was charged for a cycle from previous statement, and were reluctant to give me a refund
Consumer complaint received 2024-10-03
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. (NJ)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2017-01-07
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (KY)

I have an American Express Blue Cash credit card. And this credit card has an introductory rate of 0.00 % for balance transfers, and a 13.49 % interest rate on purchases. The online portal for this credit card does n't tell me what my exact balance is for each category. And the problem is that the card agreement makes it seem really convoluted how your monthly payment is distributed between the different categories. You might think your payment is paying off your highest interest category first, but it turns out it does n't pay it down all the way, and this gives American Express the ability to keep charging you interest on purchases. 

Last month ( XX/XX/2016 ), I got sick of this shell game. It had been going on for something like 2 months by that point : I thought I 'd be paying down my higher-interest purchase balance, but my payments were n't being applied to where they should have been, so I kept getting charged interest. So XX/XX/XXXX, after consulting with a help agent on Amex 's live chat ( which itself took a lot of work for them to just tell me what my purchase and balance transfer balances were ), I paid off ALL my purchase balance, paid off an additional {$500.00} extra just in case, and did n't make any new purchases. This, the customer service reassured me, should have paid down my purchase balance completely to {$0.00}, leaving only the balance transfer which is n't accruing interest at this time. 

Yet today, when I checked my Amex statement, I STILL am being charged interest for a purchase balance of something like {$27.00} in spite of the fact that I HAVE N'T USED THE CARD TO BUY ANYTHING FOR SIX WEEKS!! 

So basically, Amex is violating its own cardmember agreement, by illegally shunting my credit card payments into lower-interest balances, thus not paying down the higher interest balances, and thus allowing them to continue to charge me interest on when they should n't be. They might also be charging me interest on purchases I 've never made.
Consumer complaint received 2017-01-07
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: Bonneville Billing and Collections (UT)

I was in the process of opening a savings account with XXXX XXXX XXXX XXXX and was informed of a previous account with them from 6 years ago ( XXXX ), the status of which is outstanding. 

I was referred to a company by the name of Bonneville Collections. 

Please consider this a formal Qualified Written Request ( QWR ) to Bonneville Collections ( BC ) for a full and complete account transaction history along with a transaction code guide, a copy of all Transfer of Ownership/Service Transfer/Charge-Off documentation ( I do not recall recieving this ), copies of all Monthly Statements, and copies of any County-recorded lien documentation as well as copies of all legal notices provided to me regarding said lien-documentation. 
Please also include a current Payoff Quote with interest, principle, and fees itemized ; in addition, all Collection Notification and/or Settlement Offers sent to me. 


BC, I intend to work with you to settle this account as soon as possible. 
I understand you have 30-days to respond, and that you will likely recieve this dispute forwarded to you by the CFPB on Monday XXXX/XXXX/XXXX. As it is a business standard to respond to regulatory disputes within 15-days, I expect my dispute to be forwarded to ( and handled by ) your Executive Response Team within the appropriate time frame.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I would like to dispute the following items on my credit report. 

XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX Experian : credit or insurance. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2024-10-03
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. (PA)

In accordance of the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-26
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: EQUIFAX, INC. (NY)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.