davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo is trying to cause problems with accurate transfer frim my savings to checking account. The reason b eing they would not give my  XXXX   year old a seperate acct possibly be a teen account to have her direct deposit checks. I am ok with that but if I transfer money her account to mines Wells Fargo will not pu t the money in my account or they will take money out. The purpose is to confuse our account so I will pay overdraft fees. In my checking alone dealing with debiting my account to pay bill they are using her account last  XXXX  and my account last  XXXX  to confuse the  XXXX . Also my daughter they place overdraft protectuon on my our account without my permission. Giving her a debit card . Wells far go caused my waterbill to not be paid in a timely fashiion. I am  XXXX  and on a fix income which they know for years. Every Adult know this is a serious problem they are being malicious I hope your office take this with respect and stop this matter ASAP. This is another scam to recamp their lost. Since  XXXX   XXXX , 2017-current they have change several of my date of transaction . Wells fargo will not let us see our full account including the cash amount so we will not see our tr anaction nor will they allow us to dispute transaction on line and will not let us see the full site to get our account summary.
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (WI)

HSBC MORTAGAG  XXXX  : is my lein holder or owner of my loan, I  XXXX   XXXX  have been dealing with serious medical conditions, which has cause loss of income, I had to file chapter  XXXX  in  XXXX   XXXX , did not reaffirm my home, I have been working with HSBC on a loan modification. Talk to them in  XXXX   XXXX  told them what was going on and why filed loss mitigation medical hardship, Have been going back and forth, and now there are offering a 24 month mod. with a {$200.00} saving on a {$1400.00} on  XXXX   XXXX  saving on the second {$540.00}. I have requested permanent modification, my medical condition will never get better only worse. Hoping to recover enough to get back to work, I am on short term  XXXX  getting {$320.00} a week since  XXXX / XXXX / XXXX . having  XXXX   XXXX  on the  XXXX  of  XXXX . I ask for the lowest payment. for if I had to go on total social security  XXXX . I could keep my family home. they are just being unforthcoming to help me in my situation.
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CO)

I am a probate attorney, and I represent a widow whose husband died in  XXXX  of  XXXX . The widow received the decedent 's house as heir, and the house is now in her name. The house has a mortgage on it.     We have been trying to arrange for the lender, Chase Bank, to issue a form  XXXX  so that the widow, as owner of the house, can deduct the mortgage interest on her income tax returns. Chase Bank refuses to issue the Form  XXXX  to the IRS, which will cost the widow because she will not be able to deduct the interest payments. Chase Bank is trying to force the widow to refinance or assume the mortgage, both of which will cost fees she can not afford, and I do not think she will qualify for a new mortgage.     I have a letter dated  XXXX   XXXX ,  XXXX  which falsely quotes nonexistent IRS law defining a " qualified mortgage '' to exclude mortgages incurred by the decedent on a house inherited and owned by the widowed spouse. I checked the statute and the  Internal Revenue Code d oes NOT have any such restriction or definition! I have never encountered this treatment by any bank. Other banks are willing to change the Social Securit y Number t o the heir 's so the heir who gets a house can deduct the interest payments.     This is clearly a violation of the spirit of  XXXX   XXXX   XXXX   XXXX  which prohibits foreclosure on inherited houses as long as the heir continues to make the mortgage payments. Please let Chase Bank know their action is illegal and harmful to consumers. Thank you.
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Watertown Credit Bureau Inc (SD)

XXXX committed fraud and created overdrafts by hiding true balances and re ordering transactions -- - and was sued and they lost -- - court order states these debts created by the fraud not supposed to exist -- - after years of fighting credit bureau of watertown now this XXXX thing is now from XXXX -- - origionally did give credit bureau of watertown the court order but they still continued now sold it knowing court says debt not exist and this is past statute of limitations and letter has nothing about the past limitations and starts off as return top part with payment on it making people think it just now created and owe no matter what -- - these collection agencies never give up even knowing court says debt not allowed to exist -- - account XXXX
Consumer complaint received 2016-11-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

I previous had a account with Wells Fargo, I notice that they were charging fees on my account and my checking account balance was an amount one minute and another minute it was a different amount when I would log online to check my balances. I never used my checking account during this period. I was then instructed that I owed {$1500.00} in fees on my account which I am disputing and they sent my account to collections without any type of explanation of the fees. I am looking to have these fees waived and my account removed from the XXXX as they placed my loan in XXXX.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

PREVIOUSLY DISPUTED THIS INFORMATION WITH THE CREDIT BUREAU. THE BUREAU REMOVED THE INFORMATION AND REINSERTED THE INFORMATION WITH OUT GIVING ME ANY NOTICE OF THE INFORMATION BEING REINSERTED TO MY CREDIT REPORT. INFORMATION IS AS FOLLOWS : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNKNOWN ADDRESSES XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX , XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX SOCIAL SECURITY NUMBER *********** *********** *********** *********** I HAVE SENT IN A COPY OF MY DRIVERS LICENSE AND MY SOCIAL SECURITY CARD AS PROOF OF MY IDENTITY SEVERAL TIMES. I AM NOT ASKING FOR A REINVESTIGATION I AM ASKING THAT THE CREDIT BUREAU FOLLOW THE LAW AND REMOVE THIS INFORMATION FROM MY REPORT
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XX/XX/year> Account Name : XXXX XX/XX/year> Account Name : XXXX XX/XX/year>
Consumer complaint received 2024-10-21
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX
Consumer complaint received 2024-10-21
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. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Equifax 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 XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$6400.00} - XXXX  XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2024-10-30
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. (CA)

RE : XXXX  XXXX XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX  XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, 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. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (RI)

XXXX XXXX XXXX XXXX I have informed them that per us code 15USC1692C that I refuse to pay a debt of {$940.00} that they are reporting still
Consumer complaint received 2024-10-21
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. (CA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Consumer complaint received 2017-03-24
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

My husband passed away the first part of XXXX 2016 and I 've been trying to assume Mortgage but NationStar Mortgage is being very difficult to do this. My name is on deed but not Mortgage..We leave in a " Joint Tenancy state with the right of survivalship '' but lender does n't seem to care. I have provided lender with all they have ask for and still I 'm waiting. Ii contacted them back in XXXX of 2016 and also sent them the certified death certificate but nothing seems to get them moving. They say they will call me back, they do n't. 
They say they r sending paperwork for me to sign, they do n't, I 'm at a loss as what to do next.. I 've want to refinance the loan once it 's in my name, and now rates have gone up! 
Please help
Consumer complaint received 2021-04-05
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: LEXISNEXIS (NV)

On or around XX/XX/2020 I submitted a dispute with lexis nexus for a auto claim record. This record does not belong to me but my ex husband and we were divorced at the time. I received a letter that said it would be deleted and 6 months later its still on there.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

FTC theft report was sent. Ignored. 

I requested verification that I opened the debt, through a signed document or credit card receipt. Discovers response was : " XX/XX/2019. As this application was submitted online, <b>there is no signed application to provide to you</b>. Through this application we verified your name, address, date of birth, and social security number based on your request to open the account. '' Your response states that the only proof you have is that someone used my information to open an account in my name. You also state that you do not actually have a signed application by me.

Without a signed application or credit card receipt you do not have verification that I opened the account or that I spent money on the account ... other than circumstantial evidence ... but not actual evidence. Discovers " evidence '' would not be permitted in a court of law, and should not be accepted as verification of the debt by anyone.

Despite discovers investigation findings, without the proof that I requested, you can not actually verify the debt, because you do not have proof that i opened the account.

Not only was I a victim of identity theft and fraud when the account was opened, but discover continuing to verify the debt to the credit bureaus, after receiving a ftc theft report, and after stating that they dont actually have proof that I opened the account is fraud against me and the credit bureaus.

Please cease and desist all collection attempt of this debt from me, including but not limited to credit reporting.

I have attempted to reach XXXX XXXX with discovers executive office repeatedly concerning this matter but he refuses to return my phone calls.

I live and have lived in XXXX, Tx and not the address Discover has as mine. My credit report shows XXXX area as my residence as a result of identity theft. Attached is a photo of my address from the state of texas.
Consumer complaint received 2021-04-05
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: WLCC (AZ)

The calls before XXXX XXXX started last Wednesday on XX/XX/2021. I returned call and told the representative they are calling me before XXXX and she told me it was a automatic dailer I told her its there responsibility to make sure it is calling me after XXXX my time. I then ask for a supervisor and would not transfer the call. I got a call again today XX/XX/2021 before XXXX again.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
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. (FL)

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : 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 XXXXXXXX ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.