davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

This is the third request. Claim # XXXX. This should have been one claim with Wells Fargo, not two. This claim was made once my old card was declined, and I received a notification that my new card had been activated. I NEVER RECIEVED MY NEW CARD. Wells Fargo has said that I'm lying and technically committing fraud stating that the {$2500.00} dollar withdrawal or bank transfer or bank transaction was completed by me or someone I authorized to use my account. Which is all not true. The details to this transaction I don't feel have been properly investigated. The first half of my claim ( which Wells Fargo separated on their own # XXXX in the amount of {$1200.00} ) was returned to me. I did not file two separate claims. These transactions happened on the same day and apparently with the same card which i was not in position of. The replacement card that I did not activate and was not in possession of. But yet they have sufficient evidence to overturn those transactions. The investigation was not completed, or the investigator is limited. She did not have the answers when she called either. This is my original complaint that they closed. 


Replacement card was ordered. Never received it. Old card was declined ( XXXX XXXX ) while trying to buy lunch. prompt me to check my checking account. That is when I saw an atm withdrawal, of {$1000.00} then a, " In branch '' withdrawl of {$2500.00}, a restaurant charge of {$50.00}, and a motel room charge. Called Wells Fargo to report the transaction and to advise them I did receive the replacement card, I only was in position of the original card that I was requesting to replace. They then closed account and reopened a new one and said they would investigate it. I received two separate letters dated 3 days after the claim was filed, that the claim was denied because someone I knew, or I performed this transaction with use of a pin number. I have reached out to escalate the matter. i was told an investigator would contact me in two days. This has not happened. I was told the XXXX dollar was an ACH withdrawal. we asked what that meant, and she couldn't really explain. We have filed a police report with our local pd.
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (AR)

asked credit bureau to investigate these accounts they stated that they did and accounts came back verifiable. I also did an investigation and found inaccurate information. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A states I have the 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 2023-04-19
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. (MI)

This is my 11th 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 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

ACCOUNT # XXXX XXXX I REQUEST YOU PROVIDE ME WITH PROOF OF THIS ACCOUNT BEING LATE. IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE, PLEASE UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE. PLEASE PROVIDE DETTAILED DESCIPTION OF ALL PROCEDURES USED IN YOUR PROCESS TO DETERMINE COMPLETE ACCURACY OF INFORMATION REPORTED. ALSO THIS ACCOUNT HAS NOT BEEN UPDATED IN OVER A YEAR
Consumer complaint received 2017-05-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Hi my name is  XXXX   XXXX . I found some new information regarding my home and foreclosure process. In the  XXXX   Count  y Recorders Office I   noticed a RESCISSION OF NOTICE OF DEFAULT AND ELECTION TO SELL UNDER DEED OF TRUST recorded on  XXXX   XXXX ,  XXXX  Book  XXXX  Page  XXXX . I dont know how Nationstar Mortgage , LLC  and  XXXX   XXXX , a  Law Corporation is   trying to proceed with the sale or even posting a Trustees Sale when I have not yet received a Notice of Default. How is it that they recorded a Rescission of Notice of  Default but put the property on sale without Notice of Default ?   I have some concerns with servicer trying to foreclose on my home. I have sale scheduled for  XXXX / XXXX / XXXX  after checking some online auction sites they say my sale is active foreclosure. Im worried that Nationstar Mortgage, LLC my servicer will proceed with my foreclosure sale even though I have mailed out a complete loan modification packet to them. Called them and they said im under loan modification review. I know that if they do proceed with the sale they will be in violation of the California Homeowners  Bill of Rights Act.
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report, it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-20
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. (GA)

I've written multiple letters to the credit bureaus spanning over a decades about the correction and removal of information on my credit file that was either incorrect, or did not belong to me. 

I have written letters to the credit bureaus XXXX  times that I shared a name with my XXXX who is now XXXX, and I suspected there had and has been foul play regarding my credit ; I've written in numerous times that the information needed to be adequately updated to reflect that my name is " XXXX XXXX XXXX XXXX '', and not ANY variant of the name or spelling, and that I had nothing to do with much of the information and accounts on my credit profile ; This has opened doors for the misuse of my credit profile. 

At the beginning of XXXXXXXX XXXX XXXX, XXXX one again did my due diligence to seek the repair of my credit profile with each bureau, and days later, suffered a XXXX accident that rendered me unable to work and caused the loss of my transportation. I have written letters to each credit bureau in XXXX requesting the necessary changes/ removals to be done on my credit reports, and with their responses over the past few months, I took the time to mail in their requested documentation supporting my claims, jumping through their hoops, to no avail. 

As of XX/XX/2023, not only have some of the credit bureaus willfully neglected my requests for the necessary changes, but their investigation ( XXXX XXXX has taken more than XXXX days to resolve. They are in direct violation of the credit consumer laws. Furthermore, I sought repair to the damage that has been done, and continues to be done, long before it ever should have been an issue ; I have had numerous issues, suffering anxiety, depression, distress, embarrassment ; I have been denied living arrangements, employment opportunities, and funding opportunities to build a life of my own ; I have been unable to ever lease a vehicle and forced to rely on family for transportation, and finally as of XX/XX/2023, am undergoing an eviction and am facing homelessness due to the inability of the credit bureaus to carefully, and truthfully examine my cause and rectify the situation. 

I am demanding immediate correction of my credit reports and profile information, including but not limited to : The update and/or removal of Names, Date of Birth, Addresses, Phone Numbers, Employment, Creditor Account Information , Inquires ( Both Soft and Hard ), in addition to Financial Restitution for the damages caused by defamation of character, lowered standard of living, negligent enablement of identity fraud, mental anguish, anxiety, distress, discomfort, embarrassment, turmoil, and the inability to live a regular, normal, life due to the neglect, dishonesty, and irresponsibility of the credit bureaus for over a decade.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (IL)

Synchrony bank is giving me false and misleading information. They are showing that I have a available credit of {$8000.00} on my sams business credit card. The are not however allowing me to make a payment on the account nor actively use my credit card for everyday purchases
Consumer complaint received 2023-10-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NAVY FEDERAL CREDIT UNION (VA)

Me and my mothers are VICTIMS of lender negligence and malpractice. Navy Federal Credit had -Wrongful failed to honor a loan commitment
; -Deliberately creating numbers in Underwriting to create a high dti which did not exist - Improperly changed terms and rates without giving proper notice or following proper legal procedures ; - Breached a fiduciary duty to close knowing our deposit would not be returned if defaulted on closing. 

My mother and I complained to CFPB on XX/XX/XXXX ( online XX/XX/XXXX # XXXX ) when there still was a chance we could still get the townhome if NFCU cleared XXXX as the selling price. I emailed XXXX XXXX and 5 other managers on XX/XX/XXXX no response to emails or calls. A guy from security told me to stop calling and I would receive a letter. My closing attorney XXXX XXXX XXXX XXXX had spoken to XXXX XXXX before who said the head underwriter was reviewing and would get back to him, and did not. So XXXX sent her a letter & email to warn her that the seller had a cash buyer and would be keeping my deposit. No response, so the townhouse was sold on my birthday XX/XX/XXXX. A week after we receive a letter stating loan declined because of dti. This was a false claim as we have emails and documents of the rate lock, all tasks completed and we had certificate approval from the HOA. There was no legal reason not to close and we were discriminated. 
My mother is devastated as we had to move our belongings into storage as we moved XXXX from XXXX XXXX XXXX  for the scheduled closing on XXXX. NO ONE at NFCU has followup or even called the closing attorney. We had to hire another lawyer to file a lis pendens but it was too late, so we lost {$1000.00} more retaining attorney, then {$2000.00} mortgage processing fees and none of this rejection made any sense. At the time of closing we had over {$300000.00} in NFCU savings and the mortgage was for {$360000.00}. 
We have a low dti as we have homes paid off. My mother was downsizing into her dream home when the rates were XXXX %. Now the value of the home is $ XXXX and rates at XXXX %. We did not want any lender, we wanted loan where our money is saved for autodeposits. It makes no sense how a XXXX XXXX XXXXXXXX who just lost her XXXX husband can get denied and left homeless. NFCU should be penalized and forced to pay us to purchase a comparable home because this error was a major defeat. XXXX XXXX real estate is hard to acquire, and a waterfront townhome under {$500000.00} will never find again.. it was a once in a lifetime opportunity because I knew the HOA president . There was atleast 4 offers on that house the first day it listed. 
We are very dissappointed and hurt by NFCU and how loyal clients are treated with no value or respect.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (PA)

My issue is that in XXXX of this year I disputed a charge from XXXX XXXX  and the investigation was found to be in my favor. I was told by a rep ( XXXX on XX/XX/XXXX ) at the card company that on XX/XX/XXXX the amount of {$230.00} and change was credited back to my account and then on XX/XX/XXXX it was refilled and then recredited on the same day and then again rebrilles on XX/XX/XXXX. It is not clear why, even to the representative. I had spoken to many representatives all telling me different things. 3 of them ( XXXX who I spoke to on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX ) all promised me a refund that they have still not credited me. Im not only confused about how this charge keeps appearing, but also how a company could keep promising a refund and not delivering. Also how they keep recharging me and not even notifying me why!
Consumer complaint received 2023-10-09
Product: Credit reporting 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The following accounts contain inaccurate and unverified information and are being reported without a permissible purpose or my express consent. 

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 2023-05-31
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. (FL)

This is my 8th 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 XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Contacted and disputed XXXX  account deleted because it was not my account with all 3 Major US Credit Reporting agencys from XXXX XXXX XXXX XXXX. The account has not been deleted.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

This is my 2nd 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$100000.00} XXXX XXXX Balance : {$5300.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX Balance : {$5300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-07-29
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX  XXXX Balance : {$9400.00} XXXX XXXX  XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$390.00} XXXX XXXX  XXXX Balance : {$9400.00} XXXX XXXX  XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX  XXXX XXXX Balance : {$8500.00} XXXX XXXX  XXXX Balance : {$39000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$390.00} XXXX XXXX  XXXX Balance : {$9400.00} XXXX XXXX  XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}