davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

My name is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, New York, XXXX, loan # XXXX. My name is XXXX XXXX, I think thats violation of people privacy, so one to many time, My wife and I inside my apartment while I try to take shower in my bathroom, then i see something flashing on me, I do n't know what is that but when i see that It is very scary for me and my wife, because that do n't suppose to happen when I take off my clothes too take shower, to see something like that happen that make us very scared to take shower in our bathroom. That cause us to not take shower at all eventually we find out that is WellsFargo send the agent to do that, WellsFargo know very much that we are living in this house. They know that this house is primary residence because what they do. That trouble my wife and I that make us do n't take showers because they try to take our picture. We find out WellsFargo send the agent out to take the house picture. If for any reason Wells Fargo want to take the picture of the house they should advise us, they have to tell me where they get that right from. Its not only they take the picture they send me the pictures and they say they do it. I have the picture. To me thats a violation of Human Privacy. I think that is malpractice on behalf of WellsFargo.
Consumer complaint received 2024-08-30
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$14000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$970.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$330.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$730.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$770.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1000.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$270.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$190.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$580.00} Account Name : XXXX XXXX XXXXXXXX XXXX  : Account Number : XXXX : Balance : {$37.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$530.00} Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX : Balance : {$3200.00} Unauthorized Inquiries : XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX 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
Consumer complaint received 2020-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My EDD funds were not transferred in full to my checking account as published in BofA 's " California EDD Debit Card for Unemployment and Liability Benefits. '' Through numerous website attempts and phone calls, I was told there was a limit on transferred funds of $ XXXX and a 7-day period waiting period before another transfer could be done. I could access these funds through going to the bank in person but I am at risk for Covid and have tried to minimize going out in the community. Representatives seemed confused about what policy was in place and why it had been changed as well as the difficulty in logging in to my account. I was transferred at times to someone else to help and within 2 rings was disconnected through the last rep was helpful and stayed on the line with me until the transfer was complete.
Consumer complaint received 2023-11-23
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. (MD)

I am a human being and I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX  = {$2100.00XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXXXXXX {$2300.00} XXXX XXXX XXXX XXXXXXXX {$3500.00} XXXX XXXX {$2700.00} XXXX XX/XX/XXXX = {$2100.00} XXXX XX/XX/XXXX = {$1200.00} XXXX XX/XX/XXXX = {$4500.00} XXXX XX/XX/XXXX = {$3500.00} XXXX XX/XX/XXXX = {$4600.00} 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 2017-02-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I am a XXXX who is XXXX. I currently own a XXXX home with my sister who works with me. We purchased this house XX/XX/XXXX and had a mortgage with XXXX who sold it to Wells Fargo. XX/XX/XXXX I was taking care of my mother who was XXXX and had XXXX. She became worst XX/XX/XXXX and was XXXX. While visiting her in the hospital I fell and XXXX was out of work for several weeks. My mother then passed away XX/XX/XXXX. The day before her funeral my sister had a XXXX which put our XXXX back further. XX/XX/XXXX we were tring to recover but my sister had XXXX and was again out of the office. 
I have submitted all this documentation to Wells Fargo including our business info and they denied our modification saying my income was XXXX a month when I only claimed XXXX per month on my taxes. In addition they are giving us only 30 days to pay our back payments. I have repeatedly called them to find out what is the amount we need to reinstate the mortage. 10 days have already passed and I still have no ans. This is unfair to us because we can not respond until we have this information. I have spent hours getting out information to them and they have delayed in providing information to us.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (AL)

Section 605B of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to block information from a consumer 's file that the consumer identifies as the result of identity theft. CRAs must block this information within four business days and notify the information 's furnishers.i am requesting proof of authorization ( wet signature ) for each hard inquiry placed on my credit report!
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CT)

I am writing to report CREDENCE RESOURCE XXXX with there bad business practices and violating my rights as a consumer and violate the Fair Credit Reporting Act. 

CREDENCE RESOURCE XXXX with account # XXXX, and a balance of XXXX I stated that I never receive a loan or receive service or products from CREDENCE RESOURCE XXXX, I have have no transaction experience with this company. 
As a consumer I have the right to request a copy of a contract that i personal signed with CREDENCE RESOURCE XXXX.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America Checking Account NSF Fees ( $ XXXX over 16 Months ) XX/XX/XXXX to XX/XX/XXXX No Written Notification or Courtesy Calls provided Checking Account Type was changed in XX/XX/XXXX without owner approval, requiring {$25000.00} Min balance. 
I am officially Co-Owner on this account dating back to XXXX or so. My mom who passed in XX/XX/XXXX was the Owner. Through estate planning I was official her XXXX XXXX XXXX XXXX XXXX XXXX XXXX dating back to XXXX. 
After her passing, I dispersed to her XXXX sons ( includes me ) all funds as beneficiaries. This account remained open with a balance of {$3600.00} as of XX/XX/XXXX, to satisfy potential reimbursement needs of an overpaid private pension and claw back provisions that followed my moms death. Account remained dormant from use for 16 months. 
BofA was made fully aware of the situation regarding acct owner being deceased, prior to the checking type change and NSF fees.

Attempted to work through BofA for reimbursement of fees when I requested the account be closed. Was informed that they could only reimburse the Original Owner of the account, ( which is my mom and is deceased ), and not me as the Co-Owner with full legal access. 
Looking for guidance on this situation, as it seems highly unreasonable. Asking for the reimbursement of NSF fees in total ( XXXX {$25.00} = {$400.00} ). Would like the complaint filed with the NJ Department of Banking and Insurance as well.
Consumer complaint received 2016-03-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo has been harassing me for the last 10 years about one of their customers who used to have my phone #. I 've researched their customer and given the WF agents a plethora of info every time they have called me and asked that my # be removed from their database. 
Each time ( 1 call a week for the last 10 years ) the agent says they remove my # but they dont because they keep calling. This is unacceptable behavior
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have disputed this problem with the XXXX major credit bureaus and they have not compliedI have a Bankruuptcy Case # XXXX and it was dismissed but the XXXX major credit bureaus will not remove this item from my report. I am seeking the assistance from the CFPB to help with this matter.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2016-06-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (GA)

In XXXX & XXXX of 2016, BB & T Bank was running a promotion to open a checking account and get {$150.00} bonus. Additional requirements were : establish a direct deposit of {$500.00} per cycle & make 3 bill payments. I followed these requirements. 5 months later and still no sign of bonus. Phone call to customer service ( XXXX ) ended up with them advising me to talk to my local banker as it was a " regional promotion ''. Talking to local banker stalled since the banker had to the same toll-free number and they told her that the account was opened with no promo code ( back in XXXX I clicked on " Open Account '' button. There was no field to enter any promo code ). My impression is that the bank is avoiding following their own promotions in order to not pay the bonus.
Consumer complaint received 2015-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 

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 XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.
Consumer complaint received 2015-12-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

Our daughter died six years ago and the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment XX/XX/2015 for a XX/XX/XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact.
Consumer complaint received 2024-08-18
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. (SC)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-08-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-08-18
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. (AZ)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-18
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. (AL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Notice of Pending Litigation Seeking Relief And Monetary Damages Under FCRA Section 611 & 617 If Unverified items listed below are not deleted immediately. A copy of this letter as well as copies of two written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Derogatory marks XXXX XXXX XXXX XXXX XXXX XXXX  and Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Derogatory marks XXXX XXXX XXXX XXXX XXXX Hard inquiries by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Recently, I did an investigation on my credit report and found these items to be inaccurate. I never gave consent to put these items above on my credit report you are violating 15 U.S. Code 1681B of Permissible Purpose. Please provide the following request : or must be deleted from credit report immediately.

1. Copy of the original contract 2. Copy of payment history 3. Name and address of original creditor 4. Proof of the debt assignment Recently, I did an investigation on my credit report and found these items to be inaccurate. Please provide the following request : or must be deleted from credit report immediately.

Under 15 U.S. Code 1692g validation of debts. I do not recognize how this account is reporting on my credit report. I dont recognize the accounts number, I dont recognize the account status, I dont recognize the account High balance, everything reported here does not meet the FCRA Please remove the following items from my credit report, immediately : XXXX XXXX
Consumer complaint received 2023-11-23
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Consumer complaint received 2024-08-18
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. (AZ)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.