davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (WI)

I 've been trying to combine my two mortgages by refinancing for the pass six years I 've owned my home for ten years I call them two to three times a year because they send me letters saying I qualify to refinance through the program HARP and when I talk to them they say I do n't qualify because I 'm not In Crisis because I 'm not late with my payments but what they do n't know is every time they withdraw the money from my account it overdraft but they do n't care as long as they get their money so why send me the letters at all and they also told me I was going to be able to combine them and refinance after two years and till this day they ca n't because my home is not worth what I owe but it 's not my fault since they could n't or just do n't want to refinance because of all the interest they are making of me I 've paid so much interest in this ten years my home could of been paid off by now. And for the pass few years each year they keep over charging me on my escrow they keep telling me that my escrow has been going up and so that 's why I have to pay more money on my mortgage which I ca n't afford and I called the escrow company and they told me that my taxes has n't changed so that only means they are taking and keeping my money I 've call them about it and they say otherwise I thought I was the only person that was going through this with them but I read online that are with this company that are going through the same thing and it 's because we are letting them get away with it because we do n't want to loose our homes and no one will help us and make them stop abusing us and taking advantage of us but maybe yous will help us all that going through the same as me and make this pay for what they are doing to us.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-12-18
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. (MI)

Wednesday, XX/XX/2019 I attempted numerous times to open a dispute on Experian web-portal about 4 inquiries on my current credit report. After several seconds, an error message displayed " due to technical difficulties we are unable to process your request '. 'Please try again later ''. This number was listed to call - XXXX however ; there was no option to speak with an representative and the call automatically disconnected me. I called all of the numbers associated with Experian, including the number your representative provided - XXXX, and the same problem existed. I directly contacted the companies listed on my report as the ones who made the inquiries and their representatives had no record of these inquiries or any financial dealings with me. 

I had my data exposed under the XXXX, XXXX XXXX and XXXX  breaches therefore ; I am highly concerned about the fraudulent inquiries reported on my Experian credit report. ( I ordered my XXXX  credit report and these inquiries were not present. Additionally, I ordered my XXXX credit report however ; it must be mailed. ) Please help me contact Experian to dispute the inquiries in question on my credit report. 

Kind regards
Consumer complaint received 2017-11-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MO)

COMPLAINT : DOJ v. WFHM : XXXX XXXX loan number XXXX WFHM is Refusing to provide settlement due XXXX XXXX, WFHM is lying in their response to complaint to the CFPB. WFHM is conducting bad faith business as usual. This is no different than the situation when XXXX XXXX called them out in senate hearings. What is it going to take this time? 

I closed on a new loan with Wells Fargo Home Mortgage XX/XX/XXXX. I had problems with WFHM during this time in receiving the correct and fair interest rate in loan origination. 
The Department of Justice found that WFHM had unfairly applied improper interest rates to XXXX  and XXXX. WFHM went to the Department of Justice with a voluntary consent order for a certain time frame which I was within and that has been proven to solve the disparity. Only WFHM purposely left many individuals out. I was one of those individuals.I was on the list in the computer and the settlement company had what was needed but admitted that they used the wrong date given to them by WFHM for my loan origination. 
I have been going round and round with WFHM for years up to and including the last reporting period to correct their mistake. I met all criteria. WFHM still has not met their obligation to me, the DOJ, and the court. 
I spoke with XXXX XXXX with Wells Fargo Home Mortgage Tuesday XX/XX/XXXX in regards to this particular situation. He did not have an answer and he said he did not bother to ask the settlement company or WFHM why I was not eligible for the settlement? XXXX provided CFPB with close to 100 pages of documents to deflect the fact he does not have an answer as to why WELLS FARGO HOME MORTGAGE has not paid the settlement due me. In addition XXXX closed the complaint when we discused him providing additional information to me for which he could not answer without additional research? I asked if he had asked the settlement company why I was not eligible and he said he just did not ask. He then told me he did not talk to the settlement company he sent an e-mail. He then said he did not have a telephone number for the settlement company? I asked for the name of the WFHM superior who gave him this assignment and he said that was propriotory information. WFHM is refusing once again to do the right thing, and are STALLING FOR TIME TO FORECLOSE ON MY PROPERTY. 
I need to know why they are not honoring the COURT consent agreement since I meet all the requirements. They have provided an incorrect answer that this loan was a refinance. This was a brand new loan with WFHM and has never been refinanced, and I have never had any other loan with WFHM. I am 100 % eligible meet all criteria as set out in the court order. What reason or excuse is WFHM not honoring the court order and providing the settlement payout when I am eligible?
Consumer complaint received 2023-02-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I sent a letter out a couple of months ago around XX/XX/2021 to XXXX, XXXX, and Equifax. However it been more than 30 days and the credit bureaus failed to send my investigation back. Which was confusing. I went to my locale Police Department and filed a police report ( Case Report Number : XXXX ). I was scared that if I didn't take care of the matter I would continue with seeing new and old fraudulent charges being added to my credit report. 

Documents will show that accounts like XXXX XXXXXXXX XXXX was open and charged without my authorization. Section 7 ( 1-C ) of the Freedom of Information Act ( 5 ILCS 140/7 ) from Ch 116, par.207 ), notes as, " Unwarranted invasion of personal privacy. '' This is defined as " the disclosure of information that is highly personal or objectionable to a reasonable person and in which the subject 's right to privacy outweighs any legitimate public interest in obtaining the information.

Also according to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 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 notifies the agency directly, or indirectly through a reseller, of such disputes, the agency shall, free charge, conduct a reinvestigation of 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. 

I Would like all charges that aren't from address XXXX XXXX XXXX XXXX, XXXX  or any other incorrect information to be removed from my credit report immediately. To prevent other fraud or any unauthorized transactions from happening.
Consumer complaint received 2017-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (FL)

I spoke with 2 people today XXXX XXXX between XXXX and XXXX I was not receiving my low Balance alerts and due to this I incurred XXXX in overdraft fees at some point the system should just stop the transactions from going through. I understand the point of the overdraft program and having alerts when they work. All I got was parroting that there system shows the alerts went out and there is nothing that they could do otherwise. This was unethical and unfair. I wanted the fees reversed and they said they ca n't do it even as a bank error.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2019-06-05
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: EQUIFAX, INC. (GA)

Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA,  HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (MD)

I would like to bring to your attention that the reported charge-off status and the manner in which it has been presented on my consumer report are inconsistent with the guidelines outlined in 15 USC 1681eb . According to the Internal Revenue Service ( IRS ), a charge-off is classified as ordinary income and should not be reported on a consumer report. Additionally, I have not received a 1099-C form, which further indicates an inaccuracy in the reporting and constitutes a violation of 15 USC 1681eb . Account # XXXX
Consumer complaint received 2019-12-18
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. (FL)

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a re- investigation into this matter and have those derogatory accounts removed off my credit file.
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX has put derogatory information on my credit report in relation to this account when in fact the company " XXXX XXXX XXXX '' wrote the account off with the IRS as a profit and loss so they were compensated for this vehicle. I AM NOT IN POSSESSION OF VEHICLE IN QUESTION. EQUIFAX is reporting this account on my report with a balance that is NOT owed by me. IN FACT THE DEBT HAS BEEN PAID IN FULL! XXXX  XXXX XXXX has not only been compensated by the UNITED STATES GOVERNMENT VIA FEDERAL TAX REPORTING AND BUSINESS CREDIT but EQUIFAX XXXX OR XXXX have NEVER had my permission to report this account on my credit report. HOWEVER THEY ARE ACTIVELY REFUSING TO TAKE IT OFF MY REPORT WITH NO EXPLANATION IN WHICH VIOLATES USC 1681b PERMISSIBLE PURPOSE EQUIFAX, XXXX AND OR XXXX DOES NOT AND HAVE NEVER HAD MY PERMISSION WRITTEN OR IMPLIED TO PUT ANY OF THIS ON MY CREDIT REPORT publicly or privately furnishing this inaccurate information to any credit grantor affecting my chances of gaining credit and having a decent chance at life. especially due to the car not being my car or owned by me and specifically due to the company being compensated by the IRS for said Vehicle
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (MO)

I'm needing the line of credit that this business credit card is supposed to have as well as it should be more than a {$3000.00} credit limit I didn't even get the extra {$3000.00} that was sent in a letter to me. I need a line of credit and or a credit increase to {$8000.00} this card is actually suppose to have a line of credit up to {$250000.00} technically card a wire transfer be done from the Treasury account that's connected to my business account something needs to be done.
Consumer complaint received 2024-08-31
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: LEXISNEXIS (AL)

In accordance with 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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I had opened a XXXX XXXX XXXX credit card in XX/XX/XXXX and I had missed two payments in XXXX and XX/XX/XXXX. The merchant chose to close my account and I paid the {$900.00} balance in full in XX/XX/XXXX. The information reporting on my Equifax and XXXX credit reports do not match and are not accurate at all. How can this be? This account has been closed for almost 8 years at this point and should not appear on any of my credit reports. 

-The account was paid in full in XX/XX/XXXX, not XX/XX/XXXX as stated on my Equifax and XXXX XXXX reports. 

-My line of credit was not {$600.00}, it was {$800.00}. 

-My highest balance was not {$410.00}. 

-Status updated can not both be XX/XX/XXXX ( XXXX XXXX and XX/XX/XXXX ( Equifax XXXX. 

I need this account removed from all credit bureaus as it is negatively affecting my ability to obtain new credit. I have addressed this with XXXX XXXX  XXXX and all 3 credit bureaus and no one has resolved this issue for me.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MD)

I, XXXX XXXX, have been a victim of identity theft several times from XXXX to XXXX. I have had to dispute many credit card accounts and other services that were opened fraudulently in my name. In XXXX of XXXX I discovered an unauthorized Citi Bank credit card reporting on my credit report as CITICARD CBNA. I quickly filed a police report with the XXXX XXXX County Police and filed an official FTC ID Theft Report. I sent a notarized copy of all documentation to all three major credit bureaus XXXX, XXXX, and XXXX. I requested that the Citi credit card account be blocked or deleted from my credit files due to it being a result of identity theft. XXXX and XXXX both honored my request to have the Citi credit card account blocked from my credit report but XXXX refused to remove the same fraudulent account. XXXX claims to have verified the account but when I requested a method of verification, I received no response. This is a violation of FCRA 605 B.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TRANSUNION has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) TRANSUNION failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XXXX XXXX  : XXXX SECURITY FREEZE