davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BBVA FINANCIAL CORPORATION (GA)

I just received my BBVA Compass XXXX card on XXXX/XXXX/2016 after activating and attempting to use my card at XXXX it was declined. I have no idea what to think about my business interactions with BBVA Compass bank. I have had nothing but issues and frankly this is VERY upsetting. Why is BBVA bank treating me in this fashion? I have done nothing wrong. I called customer service and they informed me the account was opened on XXXX/XXXX/2016 and closed on XXXX/XXXX/2016. WHY ARE YOU DOING THIS? I have done nothing wrong to BBVA Compass to receive this treatment.
Consumer complaint received 2016-02-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (CA)

On XXXX XXXX, 2016 I went online to my bank account with BBVA Compass Bank, XXXX XXXX, CA. I observed that I had charges that had been deducted from my account that I had not made. I immediately telephoned my bank and was told by the first representative, who was in XXXX XXXX, that I should contact the vendor about these charges. I was appalled that I was not referred to the Fraud Department and instead was told that until the charges left the Pending category and moved into Posted that I would not be able to dispute the charges. Today, XXXX XXXX, 2016, XXXX of the charges have posted. I again called the bank and was referred to Disputes. I was also told that it would take 10 business days to return my funds to my account. I would like to file a complaint because I feel this is extremely unfair that a consumer must follow rules and regulations that are obviously in favor of the banking institution. My bank gets to float on my money. I find this unacceptable. When I use my debit card, charges are immediately taken out of my account. If I get a credit for charges placed on my debit card the bank gets to float on my money until they decide to return said funds. Again, I must complain that this is unfair to the consumer, me, and I want to make a formal complaint.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WA)

Experian credit bureau has been putting false information on my credit report for over ten years. my attorney and I worked with their XXXX XXXX in XXXX Texas who works in the special services branch to correct these problems recently I was notified that my mortgage VA refi was denied due to alleged fraudulent reporting by experian to the lender. 
these false reports included showing false hard credit inquiries where experian double counts credit applications for the same car purchase on the same date as XXXX inquires when XXXX if from the dealer and XXXX from the credit union on XXXX XXXX, 2014. 
second they show fraudulent hard credit inquiries from equifax credit bureau that is being done by other companies that i have never applied for credit and experian is doing the same thing. 
3. the show too high balances on accounts yet their same report shows my credit utilization as being less than XXXX percent.. 

4. level of deliiquency on accounts when there is no delinguency. I notified experian of my dispute with wyndham resorts and diamond resorts for timeshare loan fraud and breach of contract. these were XXXX to IRS long ago and my property was confiscated by both companies in excess of {$200000.00}. 
5. they report length of time too short yet I have had my XXXX bank credit card for 13 years and never missed a payment. experiena reports only 7 years which is totally false. 

6. credit balances to high but that is n ot true either. .this has been going on for over a decade and is violating my rights under the FCRA XXXX allegedly to keep me in the subprime mortgage mortgaeg with a substandard credit score using falsified information. 

7. maintaining credit history for decades or years that should be removed or drop off my credit file. 
8 removal of my statement placed in my file that I am a XXXX veteran from the XXXX XXXX. 
9. reinsertion of data removed years ago that has been reinserted and maintaining lender inquiries from companies I have never done business with or credit applications with.
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 
XXXX ACC # XXXX XX/XX/XXXX XX/XX/XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are fraudulent items I am requesting that they are deleted /blocked by name of source A CRA must block the fraudulent information the victim has identified within four business days after accepting her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Enclosed is a copy of the law enforcement report regarding my identity theft Please let me know if you need any other information from me to block this information on my credit report. 

Sincerely, XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

I purchased XXXX iPhone 6plus in full payment of {$940.00}. They are charging me an extra {$530.00} for monthly fees when the phone has already been paid for in the full amount. As I refuse to pay extra they put it into collection which is now on my credit report. After speaking with a sprint representative they noted that the phone has been paid in full and for me to notify they financial department of the error that has been made on their behalf, but they refuse to take it off of my credit.
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: EQUIFAX, INC. (GA)

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/ Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA section 605B ( 15 U.S.C . Section 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, loans, insurance from the US Dept ED with balance of {$4900.00}, US Dept ED with a balance of {$2500.00}, XXXX XXXX with a balance of {$1000.00}, XXXX XXXX with a balance of {$530.00}, XXXX with a balance of {$330.00}, XXXX XXXX with a balance of {$1300.00}, XXXX with a balance of {$2600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$250.00}, XXXX XXXX with a balance of {$350.00}, and XXXXXXXX XXXX with a balance of {$19000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NC)

My Experian credit report is reporting a Public Record Information that is inaccurate in its filing. As XXXX and XXXX determined the term " Dismissed '' means that it is adjudicated by the law it was removed. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court or XXXX or XXXX has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

On XXXX/XXXX/XXXX someone tried to check my credit without my knowledge and created a hard inquiry that should not have happened. The hard entry is labeled XXXX XXXX at XXXX. 

There is also a XXXX incorrect hard inquiry on XXXX/XXXX/XXXX labeled XXXX XXXX that again I believe was a ID theft potential. I have a XXXX contract for 2 years so there is no reason for me to have every tried to us XXXX. I did talk to XXXX and they agreed it was not me. 

Please have XXXX removed as soon as possible.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

A home phone account was opened up by my parents in XX/XX/XXXX, and two years later I was born. Upon running a recent credit report for refinancing my own home, it was discovered that my parent 's phone account was placed under my name, including a negative reporting that showed up on my credit report. My father and I share the same first and last name, but we are not a XXXX The phone company ( XXXX ) has been extremely difficult to work with in getting this resolved. I understand this can accidentally occur when family members share names, however since it was their mix-up, I feel they should be the responsible party for clearing this up. They transfer me from department to department, which also results in many disconnected calls. I 'm exhausted of telling this information time and time again, however they do not seem to care about working this out in a timely manner. Rather, it seems that as long as it does not affect them, the customer is responsible for their ( XXXX ) mistakes and the legwork involved in cleaning it up.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

On or around XXXX XXXX, 2016 Equifax reported that they incorrectly challenged and removed my XXXX XXXX credit card account ( s ). I instructed Equifax to dispute a collection account from XXXX XXXX XXXX ; however, Equifax did not properly conduct an investigation. Additionally, I contacted Equifax via telephone and spoke with XXXX on the Nevada team to no avail. To date, the inaccurate collection account from XXXX XXXX XXXX remains on my credit report and my XXXX XXXX credit card account ( s ) are still deleted.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I reported to Equifax that I am a victim of identity theft. I informed then that the information below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. These accounts appear as a result of identity theft : XXXX-student loan account number unknown XXXX-medical bill-XXXX XXXX-medical bill-XXXX The XXXX-utility bill account number unknown XXXX- account number unknown XXXX- account number unknown I also requested Equifax to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act within 4 business days, and to send the required notifications to all furnishers of this information. Also, please place an Extended Credit Report Freeze on my report which will require creditors to contact me via phone number on my report. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are highlighted in yellow. 
A copy of my Identity Theft Report Proof of my identity-CA Driver 's license A copy of section 605B of the Fair Credit Reporting Act, which requires Equifax to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Equifax informed me that they received my dispute and are waiting 30 days for the Companies to respond. Equifax did not acknowledge my request to BLOCK the information as required by section 605B of the Fair Credit Reporting Act within 4 business days
Consumer complaint received 2015-10-22
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (PA)

Went to a Wells Fargo Branch to apply for a HELOC. The Loan Officer asked me some questions regarding the amount I owed on my home and how much I thought it was worth. I responded the best I could with XXXX amounts. The Loan Officer ( XXXX XXXX from the XXXX XXXX informed me that I would not qualify for a HELOC as my Loan to Value ratio was too high based on the estimates I provided ( Wells Fargo HELOC caps at 85 % LTV ). He quickly offered another product ( non-collateralized personal loan ) for which he did take a complete application. Ultimately I was declined based on my Credit Bureau score being out of range for the product. I subsequently went to another bank, where I made the exact same request for a HELOC. The Loan officer there immediately began the process of taking an application for the HELOC, which incidentally I was conditionally approved. I am not sure how Wells Fargo knew that I would n't qualify without taking an application for a HELOC, but decided to take the application for the personal line of credit. I did some investigation and found that under the Equal Credit Opportunity Act ( Regulation B ) that the answer I received from XXXX XXXX regarding a HELOC would constitute a Declination without an application. Additionally, moving me to the personal Line of credit without taking an application for the HELOC would constitute steering, which is prohibited. It is also my understanding that these actions would be a violation of the Federal Fair Housing Act ( Title XXXX of the Civil Rights act of 1968 ). I am an XXXX XXXX Female, and feel based on the actions presented that Wells Fargo is in violation of both ECOA and FHA based on discrimination based on race and gender.
Consumer complaint received 2017-02-23
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (MD)

I am a divorced mother to XXXX wonderful children. My ex-husband is a Veteran. In XX/XX/XXXX, we purchased a home using his VA entitlement. In XX/XX/XXXX we had to modify the mortgage after I was placed on XXXX due to a XXXX and was unable to work. We were able to afford the payments after the modification. However we separated in XX/XX/XXXX and he agreed to maintain the payments for the marital home. I maintained the payments for the condo where the children and I are currently living. During divorce proceedings in XX/XX/XXXX, I was advised the property was in default due to nonpayment of mortgage note since XX/XX/XXXX. He was subsequently awarded the home and I was awarded the condo. He was awarded sole liability and responsibility for the marital home from XX/XX/XXXX onward. A Quit claim was filed to him. He was to remove me from all liability associated with the property. He has not done so. I contacted the mortgage company, Planet Home Lending , LLC. The Loss Mitigation specialist advised that " there is nothing we can do for you. You will need to pay the outstanding back mortgage and he would have to refi, modify the loan or sell the property thereby removing your name. '' I advised her that his VA entitlement guarantees the loan in case of default. I was again advised that I will continue to have negative the reporting on my credit associated with the property because I am listed as a co-borrower on the loan. I advised her that the unfair negative reporting practices of Planet Home Lending , LLC. is causing me severe credit casualty. I 'm asking for any relief because the VA has already affirmed that his VA entitlement insures the mortgage against default, the home was awarded to him in the divorce, he has assumed all liability from XX/XX/XXXX to present and I have already Quit Claimed the home to him. I understand that the mortgage is still in effect until he completes the modification process. I 'm just asking for the negative reporting to the credit bureaus to stop. Please provide any assistance you can so I may also move forward and provide for my family. Thank you.
Consumer complaint received 2015-06-16
Product: Other financial service — Foreign currency exchange
Issue: Excessive fees — 
Company: U.S. BANCORP (CA)

I have a checking account with US Bank, so I have a check card/debit card. While in XXXX, XXXX I noticed everytime I withdraw funds or use my debit card to pay for meals, medicine, or anything, I am assessed an XXXX fee. The bank knows I 'm XXXX for XXXX weeks. I told them before I left so they would n't suspect fraud or identity theft. The fees range from XXXX cents to {$2.00}. Why the wild inconsistency? Each time I go the local ATM I have to pay the bank 's ATM fee and my bank 's XXXX fee. Why are banks charging their customers these unncesessary XXXX fees? The technology is such today that it should n't matter where I am in terms of cost to my bank. 

Therefore, the complaint is that my bank, and I 'm sure it 's industry pracitce, is taking advantage of customers who are XXXX just to earn more revenue in the form of unnecessary " XXXX fees ''. 

Also, why the wide range in XXXX fees charged by my bank? Everytime I go to an ATM I 'm paying, sometimes, more than {$5.00} in fees total to withdraw money. This can add up because I do n't have a credit card. During a typical week that could add up to more than {$50.00} in fees. I 'm not in the habit of withdrawing a lot of cash at once to store on me out of safety and budget concerns. 

Thanks for considering this complaint. 

XXXX XXXX
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

Experian refuses to block this information that resulted from identity theft. I notified them that my ID docs were previously stolen and I included my police report, affidavit and ID docs to no avail. I did not open this account, nor did I apply for it. This must be blocked pursuant to section 605B of the FCRA. 
XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA