davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (SC)

While heading out for a vacation on XXXX Wells Fargo called and said they was an issue with my credit card. Since I had not used that card in months I said you're calling the wrong person. The woman replied please call the number on the back of your card. I called and was told a person from a New York phone number had called to get the balance of my account. She said it wasn't anything to worry about and said they would send a replacement card to my XXXX XXXX XXXX She had me establish a pin number in case someone called in again. 
On XXXX I received another call stating they were from the fraud dept. I called the number on the back of my card and was told they sent a card to a NY address. I live in another state. I told them to close my account. I asked why they did not use the pin number established. When I called back they did not use it with me either. 
On XX/XX/XXXX at XXXX XXXX  when I returned from vacation I received a text that 2 charges were made at XXXX {$1000.00} and {$1300.00} from account ending in XXXX. I called the back of my card and they said there were no charges. I read the text to the person who then she found the account! It was reported as fraud I asked the account to be closed as I did not open it. 
I discovered after going into the bank on XX/XX/XXXX that 3 accounts were opened. Meanwhile I was getting emails of other accounts .... a total of 5 have been opened as of XXXX. 
I have spent COUNTLESS hours trying to get them to stop issuing cards in my name to close all accounts!! One day they closed one and reopened it, after reading to me that it couldn't be reopened. When I asked why it was reopened the guy said well sometimes we do under certain circumstances!! WHAT circumstance? Theres notes of fraud all over my account!!! Then he proceeds to read me the same policy that the account cant be reopened. So they sent another one to NY. 
I have contacted the attorneys that had a previous class action against them. They say I have a law suit to file. 
Yesterday they said I have to go back to the branch again to close accounts. The branch manager identified me, then I had to call them again to close an account. I have been repeatedly told the account was being investigated ... .. and transferred to other departments. Emails have been sent to me with investigations on accounts that I don't have or that weren't sent to NY either. 
Today I received an email they want me to open a checking account with them and they will give me {$350.00}. 
I am a victim of the banks stupidity. 
I am sure this is an inside job, as I have no other issues elsewhere. 
All my family and friends have pulled their money out there. 
When I call them they send me to the fraud department to be verified with a text to my only phone I've had since I opened the account years ago. Why did they not do that with the fake person, who supposedly has my personal info?
Consumer complaint received 2023-11-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc. (FL)

Allied Account Services , Inc XXXX XXXX XXXX XXXX, NY XXXX Original Creditor : XXXX XXXX This company put a collection on my credit report when they and National Grid ( the original creditor ) admitted mistake by sending extension to wrong address multiple times. They agreed to take off my credit only XXXX month minus {$140.00} FOR EXTENSION IS THE CORRECT AMOUNT WHICH COMES OUT TO APROX. {$450.00}. COMPANY ADMITTED MISTAKE AND SENT EXTENSION XXXX HOURS AGO AND IT WAS SENT BACK AND SIGNED RIGHT AWAY COMPANY HAS AGREED TO TAKE ALL LATENESS OFF CREDIT.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NY)

My credit report says that I tried to open up an account with this particular company and I never did but theyre on my credit report as a hard inquiry which is affecting my credit score and I would like it gone because Ive never did it I know nothing of it
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/23 Bank of America frustratingly decided to sever ties with me when I requested their assistance in verifying a check, that I had unknowingly gave them to deposit in my account.oblivious to its fraudulent nature regrettably my bank closed my account when I sought their help to authenticate a check that I had innocently had them deposit. unaware of its counterfeit status. Now all of my work checks are being held by them..plz help me with this matter at hand. 



Best regards XXXX XXXX.
Consumer complaint received 2023-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (IL)

The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've sent over 2 separate letters regarding my consumer report and the errors reported on there that need to be removed. I was recently evicted and misplaced my receipts when I sent out letters but 2 of them have gone unanswered and they just sent me my consumer report saying all the information is verified. Which I know is a quick and easy response to restart the clock in the 30-day timeframe they have to respond. The main inaccuracy that I have an issue with is late payments. Over 15 late payments are being reported on my consumer report, but according to your laws, late payments are excluded from being reported. It specifically states in 15 USC 1681a ( 2 ) ( i ) that " Reports containing information solely as to transactions or experiences between the consumer and the person making the report ''. Transactions and late payments or any kind of payment history are excluded, and also experiences. So how I use my card, and my " experiences '' with using said card are supposed to be excluded from your consumer report. If you look at the definition of a consumer report. Nowhere in there does it say anything about payment history, credit utilization, FICO, vantage score, etc. None of these items are mentioned in what defines a consumer report. In any consumer transaction, I am the original creditor, using my SS card which is my first credit card. If you do not agree then please see the definition of credit card for clarification. So therefore I extended my credit to these corporations, being how it was the use of my credit which was extended to them in the first place. Another big issue is the XXXX collections reporting on my consumer report. A debt collector is a third party whom I do not have a contract with and who is trying to come after me for evidence of a debt. They do not have any proof of the debt and can not prove that I owe anything to them because they can not produce a contract that has the wet ink signature that I agreed to pay them anything. Debt collectors buy debts, knowing that they are bad debts, and may not ever collect any payment for them. So they can not cry wolf after knowing they bought a pool of bad debt that was a great possibility of not being collected. Each violation of my consumer rights is a minimum of a {$1000.00} fine, and there are many violations on my consumer report. I would like this information removed as it is causing me harm as I mentioned earlier I was evicted not long ago and this inaccurate information is making it difficult to extend any more of my credit.
Consumer complaint received 2022-12-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have disputed accounts on my consumer report, reporting inaccurate information. XXXX, XXXX, and Eqifax is showing inaccurate and misleading on the following accounts... 

XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/2023, I went to a car shop in nj to look at a car XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had told me I can get a loan better than the one my bank has given me I told them no Im okay, he asked again I said I dont want anymore hard pulls on my credit he them told me thats this wouldnt be a hard pull it would be a soft pull, he lied and capitol one made another hard pull on my credit after I just gotten my credit pulled by my bank and had a loan already
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

My monthly mortgage went from {$480.00} to {$870.00} over the past two years. I have a fixed interest rate loan and the mortgage company listed the extra money due as Escrow for insurance and taxes. My property taxes are less than {$400.00} a year. I have called the lender numerous times only to get transferred to the " correct '' department that places me on hold for over an hour, then disconnects. This happened over the course of two days and more than XXXX phone calls.
Consumer complaint received 2018-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello.

I noticed an ungodly amount of credit inquires on my account I DID NOT AUTHORIZE in XX/XX/XXXX after pulling my report, I contacted this credit agency and let them know I had not authorized them. I was told " sorry we don't dispute/delete hard inquires " these inquires are false and not mine. Some one has clearly been using my information without my permission and it's STILL HAPPENING, they are still running my credit. This reporting agency has showed me, as the consumer mean nothing. These inquires are hendering me from even obtaining a new bank account because of two many inquires!

I'm asking for your help and am pleading with this agency to delete them. I've listed the incorrect ones belowXXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX RXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX  Inquiry :XX/XX/XXXX XXXX XXXX XXXX  Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXXXXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2018-05-02
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: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX Explained that this account was opened Fraudulently by someone using my information this is being reported negatively on my experian report the amount is XXXX
Consumer complaint received 2023-04-21
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. (TX)

I had reached XXXX XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2020-08-29
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. (ID)

I have submitted letters in writing, over the internet and through apps to have inaccurate and false information removed from my records. Some have been removed, others have failed to reply, some information is still showing despite being proven invalid.
Consumer complaint received 2023-09-12
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: JPMORGAN CHASE & CO. (FL)

My Chase Bank mortgage obligation was discharged under XXXX XXXX bankruptcy XXXX XXXXmy credit report is showing balance due & late payment history 7 years from original delinquency date..creditor is in violation of fair credit reporting act & subjects the mortgage lender too legal liability
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

There is information on my consumer report that is a result in identity theft. I did not provide written permission it instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : or is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer.

Please remove the listed accounts due to identity theft XXXX XXXX XXXX XXXX {$7800.00} ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX {$16000.00} ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX {$3800.00} OPENED XX/XX/XXXX XXXX {$0.00} OPENED XX/XX/XXXX PLEASE REMOVE THESE FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a credit card with capital one for many years. On XX/XX/XXXX paid off my total balance of XXXX and closed the acct. 
The last charge I had on the card was {$8.00} on XX/XX/XXXX. 
I got a bill in the mail for {$84.00}. I called capital one and asked what the charge was for and they called it residual interest. But couldnt quite explain why it was {$84.00} after I paid my balance in full. I dont understand how they can charge residual interest on an act that was paid in full and closed!
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX DATE OF INQUIRY : XX/XX/2022
Consumer complaint received 2023-08-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: DISCOVER BANK (CA)

Applied for Discover XXXX XXXX back on XX/XX/XXXX. I felt that it was a good time with credit scores of XXXX. I had been researching options for a few months before choosing Discover. 

After starting the process I begin to get the requested paperwork in order. Two items that I couldn't supply was a bank statement with {$7400.00} and XXXX tax returns. The funds were available in my XXXX statement but not XXXX. I transferred funds to the account to meet the request but was told it needed to be on a statement. I asked if I could supply proof from a business I owned but was told it had to have my name on the statement not the business, I told them I couldn't supply until XX/XX/XXXX when the statement closed. There was an extension on filling my XXXX taxes which explanation was provided. They told me to supply XXXX & XXXX taxes which I did. 

Once I received the statement showing three times more than they required ; also provided a paid in full letter for a loan in good standing which I felt showed responsibility and preparation to accept a larger loan with smaller payment. 

On XX/XX/XXXX I received email that I was denied, which stated I could call for explanation. 
During talking to the officer he stated, 1 ) That I needed to have 2 months with the funds in my account, which I was only told to have the {$7400.00} in the account. 2 ) He also said not having overtime on my W2 check stubs, which shows XXXX earnings YTD. 3 ) That my XXXX was to high, which I know is not accurate. 4 ) My business took a loss per my tax returns, which I provided a P & L statement for XXXX showing a profit. I did not understand this considering they wouldn't let me use statements to help me but are using the taxes against me. Other things had been mentioned also. 5 ) For the PIF they needed to show funds in the bank account, which this personal loan was used to strategically boost my business in XXXX. My business has been paying this loan since I received the funds which showed in the XXXX & XXXX statement for XXXX and if allowed in the business bank statements. The business paid off the loan in full. 

Personally I did not understand and waited to receive the denial letter for explanation. None of the information received over the phone was included in the letter to prompt this complaint. I would like the method used to make this decision to be investigated. No option was offered as it stated on their website. Wasn't asked if I wanted to add my wife on which is more income.