davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2023-03-31
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-03-31
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$550.00} ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (PA)

I received an email on XX/XX/23 stating that my new XXXX XXXX XXXX XXXX credit card would arrive soon. I called the company stating that I didn't authorize the credit card. I believe before that I also received a bunch of emails that seemed like spam. They told me not to worry, that I'd receive a letter in the mail to confirm it before it was authorized. I never received the letter. Next thing I know, I receive some emails stating that a delivery would arrive and did arrive, but it was to an old address I lived at. 

On XX/XX/23, I received a call from a " No Caller ID ''. The person on the other end of the line tried to get me to pay for a {$4600.00} charge on my credit card. I told them it was not my card and that it was fraudulent. They then transferred me to an unknown department and asked for personal information, but I told them I wouldn't give it to them because I didn't know if they were who they said they were. I then called XXXX to report the fraudulent credit card and other suspicious inquiries, one of which was a credit inquiry to obtain an IKEA credit card as well. They put alerts on my account and told me to also report it to the police or the FTC and to call Comenity Capital Bank. I called Comenity to report the fraudulent credit card and charges and they shut down the account and added alerts as well.
Consumer complaint received 2023-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

Purchased the home of XXXX XXXX XXXX in XXXX, NC XXXX with a Wells Fargo home loan. We attempted to have the loan modified for a couple of years from 5.6 to 3.5 percent but were denied. Wells Fargo would not do a loan modification over the course of about 3 years. Wells Fargo would not return our calls while we awaited anxiously as public school teachers with little money as the State of North Carolina did not give my wife and I ( both teachers at the time ) a cost of living raise for 7 years. 
Ultimately Wells Fargo foreclosed on our home before any attempt to help reduce our payments after being in the home about 10 years.
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (OH)

This is my second attempt to fix inaccuricies on my personal credit report, the first time I initially did this was on XXXX XXXX XXXX in which the CFPB has record of my complaints filed. In return of the CFPB 'S investigation the credit burea 's XXXX and Equifax both failed to correct the inaccuracies stating they could see what I was talking about but didnt believe I was actually the one attempting to get these inacuracies corrected. In which when they received my letters of complaints i also submitted my signature in blue ink on each letter in which i was stating the issues and inaccuracies. its is still listing several accounts and items i have deemed inaccurate supported by UCC11 searcg aswell as identity theft report stating the various things in initial letter as well as second attemp letters provided with the report as of XXXX. These items supported by consumer law do not belong on my report as i've also provided current and updated documentation to support such complaints and claims. 

ALSO THE TITLES OF THE LETTERS ARE ONLY HOW I SAVED THEM IN MY LAPTOP SO I KNOW WHAT DOCUMENT IS WHAT
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I had a secured credit card from XXXX listed on my credit report that I knew nothing about. Disputed 7 times in 10 months with Transunion asking them to remove the fraudulent account that didn't belong to me. I called XXXX and they had no record of me after looking up my name, email address, and the last 4 of my social security number. It seems Transunion isn't really investigating or contacting the card issuer to ask basic questions. 10 months and it's still listed on my credit report : a card that does not belong to me.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions on the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follow : 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 2023-03-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

Freedom Mortgage company wrongly foreclosed on my home on XX/XX/XXXX, sold my home, took me to court and had me evicted in XX/XX/XXXX. While on appeal Freedom Mortgage recinded the foreclosure and put the ded back in my name on XX/XX/XXXX. After great expense on my part to prove it shouldn't have happened. Now Freedom Mortgage has called me on XXXX XXXX at XXXX promising to resolve the situation to get my home back in right standing due to the fact my loan modification application was never processed from XX/XX/XXXX. I was told by Freedom Mortgage that she would be speaking to their attorney and she would call me back ( XXXX ID # XXXX ). No call was returned I called on XX/XX/XXXX XXXX and was told they were going to look into it no return phone call. All the while Freedom Mortgage still has my eviction in appeals court. So I myself am tracking down their XXXX attorony trying to get him to drop the appeals case due to the recission because Freedom Mortage didnt notify them which I finally got done on XX/XX/XXXX and dealing with the second attorney to complete the recission. Then on the same day receiving the new foreclosure document on the same day. Worried about being escorted from my home all while this company keeps saying what they are going to do but to no avail its doesnt get done. Now here it is XX/XX/XXXX Freedom Mortgage files to foreclose on my home again. No one at this company has reached out to rectify this situation since we first started this issue in XX/XX/XXXX. They refiled the foreclosure with no ceritifed mailings for default or intent to accelerate loan. The recission was to put me back in status before the forclosure which means they need to go back to XXXX when they were ignoring my loan modification application while telling me in XXXX they had all the paperwork and I was waiting on a response, all the time foreclosing on my property. How does a mortgage company have the right or the buisness practice to operate in this manner. This feels like a grift and it is pressing on me as a home owner. I wouldnt recommend this company to anyone. Due to the stress mismangement, poor communication and pratices Freedom Mortage really needs to handle this situation in my favor.
Consumer complaint received 2023-03-31
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: BMW Financial Services NA, LLC (NY)

Its been more than 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. they have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX XXXX I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I ordered one thing and received something totally different, have the pictures to prove it I submitted my claim with Bank of America with who I currently bank with, immediately after submitting my claim I received an email for documents to be sent I sent them and have not heard nothing since then, Ive reached out numerous of times and i get the same thing they are still processing it, at first I was told it takes 30-45 days for the claim to be resolved then I was told it was 45-90 days cant be both, its been 46 days, just keep getting the runaround from them and Im tired of it.. they are holding my {$200.00} XXXX,, I just want my money back.. shouldnt take this long to resolve it when they have the proof of what I ordered and what I actually received.. tired of fighting with them, they do not communicate with me at all I get no updates whatsoever.. i need help getting this resolved!! I dont have the money to hire a Attorney otherwise I would and then it cost them more.. shouldnt have to wait this long.. its a joke on how long they take to resolve a claim
Consumer complaint received 2023-05-26
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. (CA)

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/XXXX was last time XXXX was XXXX by XXXX through reoccurring electronic billing. ( Have confirmation number as always. ) XX/XX/XXXX payment not paid even though I had confirmation # XXXX. XXXX told me to call back in 3 days. Still not pd they had no reason why it wasn't paid, they told me to call XXXX which I did, they said there was no payment made. So on XX/XX/XXXX I reset the payments for a reoccurring payment of {$60.00} a month confirmation # XXXX. Was NOT paid again. I called XXXX back and they said nothing and had no reason for it not to be paid, call XXXX. I have been accumulating late fees of $ XXXX plus ruined credit because they will not pay the payments. I am a XXXX senior citizen with vision issues I can't deal with this anymore. The bank has an obligation to pay my bills as I instructed them to do so electronically. I have confirmation numbers and have filed XXXX complaints with no resolution. I have no recourse and no way to pay all the late fees. I did my due diligence, why won't they do theirs? I am desperate and now I owe {$210.00} in back payments.
Consumer complaint received 2023-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a perfect rating and payment history and this bank decreased my credit limit with no reason nor written explanation and left no recourse to fix it. I called in and was treated like a person who abuses credit and was not even given any explanation. The explanation was not posted online nor was I advised by the support person.

I deserved an explanation of why a decrease in credit limit was unwarranted. I have perfect on-time payments and the decrease caused my remaining balance to show as a 37percent which caused a hit across all the reporting agencies.

Every consumer deserves the support they ask for and fair treatment. This kind of wrongful untrue manipulation of data causes damage as it has done in my case, If others have the same type of complaint and there is a class action suit, please add me to it as this bank deserves to be taken to court for that type of abuse!! Please publish this complaint so that others may see what Capital One does to their unsuspecting loyal customers!!
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SD)

On Tuesday, XX/XX/XXXX, my husband received an email from Bank of America ( BofA ) notifying us of a pending balance transfer of nearly {$5000.00} that neither my husband nor I had initiated ( from a credit card that neither of us has! ). We immediately called BofA and let them know that this was " not us '' so to speak. The first customer service rep we spoke to said that we needed to talk to someone from the sales department since they initiate balance transfers so we waited patiently while we were transferred. We went through the story again and the person from the sales dept said that they could see that transfer pending ( they even saw the amount that was noted in the initial email ) and that they would need to transfer us to the fraud department. Again, a wait for the transfer, and again, we go through the explanation of why we are calling. The rep from the fraud department, however, could not see that pending transfer and couldn't explain why we got that initial email and said the email was likely fake ( I note that there were no links or other typical phishing related items in the email ). So they said that there was no action they could take. We were therefore surprised that we got another email the next morning, Wednesday, XX/XX/XXXX, that some transactions were flagged as suspicious. My husband then logged into our BofA account and confirmed our actual transactions and flagged the balance transfer as not having been initiated by us. A couple hours later, we received an email stating that our balance request had been processed! We were flabbergasted! 

I sent an email to XXXX XXXX, President of Retail Banking at BofA, on Wednesday, XX/XX/XXXX, with the above information and asking for them to immediately credit our account for the fraudulent amount and asking how this could have happened since we spoke with XXXX people letting them know this was fraud and used there online system to flag it as fraud. I received a call on Thursday from someone who works for XXXX who explained that they would investigate the fraud but it could take up to 2 months and that the fraudulent amount would be put " on hold '' in the meantime, though not credited back to us until the investigation is complete. I was told repeatedly by this person that there was " nothing they could do '' once the transfer was initiated. This despite the fact that we told 3 people and used their online features to let them know this was fraud. I maintained that they could have done something, but they chose not to, or more precisely, their processes would not allow them. And this is the change in their process that I would like to see, that transactions are put on hold while the fraud is investigated versus let them go through and then investigate.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

My statement closed on XX/XX/XXXX. I paid the balance of over $ XXXX off by XX/XX/XXXX. I noticed on my XXXX statement that I was charged {$58.00} in finance charges. I called in to ask about the fees and was told that finance charges accrue daily, which isnt fair when you pay a balance in full. I requested that the {$58.00} fee be waived as a courtesy which was declined. I asked to speak to a supervisor. I explained to the supervisor that wanted to see if the fee could be waived since I paid the balance full. I have been a cardholder since XXXX and have paid thousands of dollars in fees. The request was again declined. I dont understand how someone can be penalized for paying the balance in full. How does that help a good paying customer? I never have asked for fees waived or even called in. I dont think the request is unreasonable. When I asked to be further escalated, she stated there was no one else and hung up on me. I am looking to get the {$58.00} fee waived, which is a reasonable request.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX my account information was stolen and accessed without my knowledge. They made a tele transfer of all funds from my two savings account to my checking account, and then made several international purchases, draining the account. I immediately contacted Wells Fargo and made them aware of the fraud.

The card used in the checking account for these transactions was ending in XXXX. That card was never in my possession, and I did not authorize its use or have any knowledge of it. 

There is some documentation of them using a XXXX XXXX phone, which I have never owned or used, and can be verified by my current phone company. 

I checked my online messages through the banking app and saw that on XX/XX/XXXX someone made two unauthorized telephone transfer to move the funds from my two savings accounts. Reference # s : XXXX and XXXX I have attempted multiple times to resolve this with Wells Fargo, and was told the claim was denied, and refused an explanation of why or how to proceed. These are clear fraud, and easy to see as such just by looking at my account history and the transactions.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (FL)

I told them when opening my account not to overdraft it, to decline it. They didnt, they told me I owed more than what was over-drafted. They told me they were paying me the money back and Ive heard nothing since.