davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (GA)

XX/XX/XXXX, I visited XXXX XXXX community in hope to find a home. I found my dream home at XXXX XXXX XXXX and we entered into a contract on XX/XX/XXXX is the date I signed. However due to the holidays other would sign the first week in XX/XX/XXXX with a closing date XX/XX/XXXX. I thought everything went well I was told XX/XX/XXXX is the target closing date and I could be changed if need be. I wasnt communicated that DHI wouldn't give me a loan being that they were the one who had given me a pre qualification. Around XXXX I was told by XXXX the loan officer that he wanted me to speak with another loan officer from a different company XXXX or I would need around {$18000.00}! XXXX of XXXX wasn't any help she requested that I refinance my car and I that I put 5 % down payment. My agent asked to change the close date to XX/XX/XXXX, we was told we would get the updated close date document, we never received it. I was suggested to go to a third loan office late XX/XX/XXXX/XX/XX/XXXX to I provided them with all the required paperwork and was waiting on a pre qualification letter. Then I started to get emails about the contract which my sales agent told me to disregard and sge would to let her sales manager know we were waiting for XXXX to provide a prequal. To later learn while I was still actively under contract for the for that home another buyer was allowed to place a backup contract on my house. Needless to say XXXX XXXX cancelled my loan and put the new loan in effect. Despite doing everything I was asked I still lost the house. I am very displeased with the home buying process.
Consumer complaint received 2024-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently checked my credit report and noticed multiple inquiries from your company that I dont recognize or remember authorizing. This is really concerning, as its affecting my credit score and causing me a lot of stress.
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I need to file a complaint against Bank of America. On XX/XX/XXXX I deposited {$500.00} into my account with my debit card. I got a receipt from the atm showing the transaction. Later that day I wasn't able to access my money. I called them to see what was going on. I was told by a customer service representative that my account was closed on the XX/XX/XXXX. If my account was closed how was I able to deposit the money? I didn't receive any notifications/emails/letters etc saying that the account was being closed. I've filed a claim but have been getting the run around. I went to the location where I used the atm and they were no help. When I call the number they all tell me different things. I spoke to a manager in the claims department and he 1st told me that the claim was denied! He put me on hold and then came back and said they will be sending me a check. I didn't deposit a check, I deposited {$500.00} of my hard earned money. I want my money back!!! How is this even possible that they can take my money and act like it's no big deal?? This is an error on Bank of America 's part because they didn't communicate with me, they closed my account and they let me use a debit card that shouldn't have worked if my account was closed!! I just need MY money back and not when they feel like it. This is stressing me out and I need to get this resolved now.
Consumer complaint received 2024-10-28
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. (SC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-11-02
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)

I am writing to request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries removed. I have provided details of the accounts and inquiries below. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$56.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$98.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$87.00} Inquiries to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-01
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. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2018-03-01
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: Experian Information Solutions Inc. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX XXXX  XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Consumer complaint received 2024-11-02
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)

I am writing to formally request the blocking and deletion of fraudulent inquiries from my credit report. I am a victim of a data breach, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following unauthorized inquiries : Unauthorized Inquiries : XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year>
Consumer complaint received 2018-03-01
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: Experian Information Solutions Inc. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Consumer complaint received 2018-03-01
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. (GA)

Incorrect information on my report, information belongs to someone else. XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, NV XXXX Telephone numbers : XXXX XXXX XXXX If there is another government agency that would be better able to assist, I request my complaint be forwarded to them.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX : acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted a CFPB complaint and Equifax was contacted. 
Equifax opened a dispute, and these accounts were supposed to be investigated. I received a letter from Equifax Financial Services stating that a file under my SSN could not be located. However, I can view my credit report under Equifax. I do have an Equifax account. I do have an Equifax credit file. I believe this was a stall tactic, and a dispute investigation was not conducted. 

Now, according to the Equifax website, the dispute was closed on XX/XX/year>. I have not received an updated letter or the dispute results by mail. However, according to the Annual Credit Report website under my Equifax report, nothing has been updated and the accounts are not shown as " disputed ''. 

This is a violation of the FCRA. 

Failing to list the account as disputed, after a valid dispute has been sent to the credit reporting agency, is a violation of the FCRA.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ; XXXX INquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off 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
Consumer complaint received 2024-11-02
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)

The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WA)

Experian makes it impossible to cancel monitoring accounts. While you can view your account on their website, they make you speak to a representative on the phone to get your account cancelled. Unfortunately, their " customer to service '' number seems to consistently have wait times over over an hour. I'm on my third attempt today reach someone right now, as calls keep mysteriously disconnecting. First two attempts reported " over 1.5 hour wait time '' and now its saying " over 1h45 wait times ''. Tying up my phone for half the day because they won't offer a convenient way to cancel your account is infuriating. Even more so since the call has disconnected multiple times now. If they truly were interested in customer care and were aware of these delays they could adopt a call system like the banks and airlines use that call you back when you're up in queue. This is $ XXXX/month of scams
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

A credit card account, previously charged off, was settled with XXXX XXXX as agreed. [ See attached letter from XXXX XXXX ]. XXXX XXXX has requested that credit bureaus do update this account to reflect that no balance is owed. 

Despite XXXX XXXX request, XXXX XXXX and Experian have refused to do update this account. 

I am requesting that XXXX XXXX and Experian update this account to reflect a balance of zero since the account has been settled and nothing is owed.
Consumer complaint received 2018-03-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX Wells Fargo Bank took {$15000.00} from my wife and my business checking account - my wife and I were using that money to survive - to pay food bills, XXXX XXXX XXXX XXXX bills, and basic needs. We have a small business and like millions of Americans suffered financially in the Great Recession. I was hospitalized several times due to XXXX  and severe business financial loss. 
the woman from wells fargo who called me was very mean spirited, abusive, threateing XXXX XXXX or XXXX   is her name. 
prior to seizing the {$15000.00} from our account., Wells Fargo XXXX stole '' money from XXXX XXXX XXXX personal life savings which the terrible vultures have since returned. 
I felt like XXXX XXXX XXXX XXXX  XXXX against the evil unremitting police detective It was evil to take money from people in mid seventies I would have worked out a repayment deal with these unforgiving merciless XXXX XXXX - white collar criminals I would be willing to work out a repayment if they return the {$15.00} we were advised to file BK, and did not for we want to repay people who trusted us to loan us money ( Wells Fargo included ) They did return the money they took from my wife 's account ( taken before XX/XX/XXXX and the amount was about {$17000.00} - the rats returned it. Possibly because they took the money from my wife 's personal wells fargo savings account and probably did so illegally - Wells Fargo has put {$250.00} XXXX dollars in a fund to pay back people they defrauded in the credit card scam they ran. 
Wells Fargo further deceived us by telling us we had to open a loan ( line of credit ) in order to get our house financed buy Wells Fargo. 
I am so hurt and angry at what Wells Fargo did to my XXXX year old wife and myself I pray justice is done XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2018-03-01
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: EQUIFAX, INC. (CA)

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX BANK, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX BANKs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2024-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This morning, I saw unauthorized inquiries on my credit report, which is highly concerning and frustrating. I regularly check my report, and this time, discrepancies just appeared unexpectedly. I refreshed my browser to see if it would clear, but nothing changed. Given the persistence of these inquiries, Im asking that my documents be carefully examined so I can be free of this worry for good.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have inquiries on my credit report that I didnt authorized. These inquires are all fraudulent, The Fair Credit Reporting Act ( FCRA ) Section 605B outlines the information needed to dispute fraud on a consumer 's credit file : Proof of the consumer 's identity A copy of an identity theft report Identification of the information in question by the consumer A statement from the consumer that the information is not related to a transaction they made XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX