davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

We are receiving repeating calls for an entity calling themselves " Municipal Services '' requesting us to call XXXX. They identify themselves as a debt collection company. They give absolutely no information as to the nature of this alleged debt.

Because I have never received a letter of demand for payment and the lack of information, the generic pre-recorded nature of the call I am sure this is some kind of scam.
Consumer complaint received 2017-05-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (ID)

I have had a home mortgage with  Wells Fargo  for many years. I deiced to re finance my home with them. After I gave my appraisal money of almost {$700.00} to the people at the   XXXX   XXXX   XXXX   I never heard from them again. I called and called and nobody would return my phone calls. I finally went into the branch and demanded to talk the manger. After many more phone calls I found out they denied the loan due to a small problem that was fixed. However they did not contact me and tell my that my loan was denied for over   XXXX    days. Then they did not return my appraisal money. I had to make many more phone calls to get this done, and after that it took  XXXX  more days to get my money. Further more after I gave the   XXXX   XXXX   XXXX   all of my personal information I started getting many telemarketing call at my home, I NEVER got these before.I think that  Wells Fargo sold my personal information. DO NOT DO ANY BUSINE SS WITH  WE  LLS FARGO. I t hink there are being fraudulent with the public 's money.
Consumer complaint received 2023-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX just sold my personal information, they had from a deleted account. They sold my information to XXXX XXXX XXXX. This is the beginning of more harassment and intimidation via constant phone calls from XXXX XXXX XXXX who wants me to tell them my name and info or they will continue intimidation tactics like unlawfully reporting old deleted accounts. XXXX XXXX has not provided me with a 1099C has requested, nor have them shown a contract between the name XXXX XXXX XXXX XXXX XXXX They are essentially selling my name, address, and social security number, and keeping my personal information as a asset for life, continuously selling old accounts to debt buyers, without providing anyone with a 1099c showing the debt was discharged almost 2 yrs prior. I am seeking damages for violations of the Fair Credit Reporting Act, Fair Debt Practices Act, and The Fair Credit Billing Act.
Consumer complaint received 2017-05-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (CA)

Kay Jewelers keeps calling my work phone number. They acknowledge it is my work number and they ask for me and identify who they are and why they are calling. They call my cell phone with multiple numbers throughout the day starti ng at    XXXX   XXXX   and call repeatedly throughout the day. If I am unable to answer the call they immediately call my work.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (AZ)

My home was foreclosed upon  XX/XX/  2012. Since that time, I have tried unsuccessfully to get the account to refl ect properly at a  XXXX  balance to no avail. Arizona is a non-deficiency/non-recourse state. Chase Mortgage continues to show a balance of  XXXX  and a past due amount of  XXXX . I have requested repeatedly for the balance to be removed and Chase has refused saying the balance owing at the time of default will continue to sh ow for seven years.  It has been pointed out to them on multiple occasions that Arizona is a non-recourse state. They say since they have quit trying to collect the balance, they are within their right to continue to report the amount owed at the time of the foreclosure. My mortgage company,   XXXX   XXXX  , has also tried to assist me in getting it removed so I can proceed with a new loan to no avail. Currently, this is preventing me from getting a home loan.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/2021, I filed two debit card disputes with 5/3 bank. On XXXX the merchants refunded all charges, but 5/3 refused to waive any fees. I have been on the phone with multiple reps and " supervisors '' who alternately tell me yes and no anbout the refunds, but nothing happens.
Consumer complaint received 2023-03-08
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. (SC)

My name is XXXX 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.
Consumer complaint received 2024-03-25
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 inquiries : XXXX  || Date of inquiry : XX/XX/XXXX XXXX  || Date of inquiry : XX/XX/XXXX. XXXX  || Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-07-06
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. (TX)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2021-09-28
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR (NV)

We recently did a reverse mortgage, the loan proceeds were held up 13 days. The title company funded the loan, but failed to mail the check for 6 days. Because we had not received the check they stopped payment, reissued which took an additional 7 days. I am wanting a interest adjustment on my loan because funds were not received.
Consumer complaint received 2023-07-07
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. (AR)

Today, I am filing a case against the Equifax and XXXX Credit Bureaus for violations of the Fair Credit Reporting Act or FCRA, Section 605b. These credit bureaus have engaged in unfair and deceptive practices by providing inaccurate information in my credit file. I am not satisfied of what the Equifax and XXXX Credit Bureaus reported some inaccurate information in my credit file. I found out some inaccurate inquiries and I never upheld these all, For this reason, I want you to help me delete these inquiries in my credit file : XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX Inquiry : XX/XX/2023 ; XXXX Inquiry : XXXX. XXXX, 2023 ; XXXX Inquiry : XXXX. XXXX, 2023.
Consumer complaint received 2023-06-16
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)

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 XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}XXXX XXXX XXXXXXXX Balance : {$1200.00}
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (CA)

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 accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-11
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: Experian Information Solutions Inc. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-06
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. (IL)

I always paid on time, and this giving me anxiety, 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. I'm begging you to update it ASAP.
Consumer complaint received 2017-05-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank (CA)

This  2nd d ispute is explained in detailed with all of my attachments.     This the companies first and only response. They did not address me personally through phone, email or mail contact. I tried many attempts to pay the {$62.00} debt but upon contact the number listed I never received feed back.     First Progress Card  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX   XXXX   XXXX ,  2016  Consumer Financial Protection Bureau u Re  :  XXXX   XXXX   ( c ase number  XXXX  )    XXXX   XXXX     ( First Progress ) is writing in response to your letter   addressed to Synovus Bank k ( Synovus ) , regarding the above referenced complaint.  Synovus i ssues secured credit cards backed by a cash security deposit ( Card  ( s ) ). First Progress is the program manager and provides customer service for the Cards. First Progress worked with Synovus Bank to prepare this response as part of Synovus standard oversight of First Progress. Synovus  has been provided with a copy of this response.  XXXX   XXXX  requests that the negative credit history reported on her accounts be removed from the credit reporting agencies files.       According to our records, this account was opened  XXXX   XXXX ,  2016 purs uant to  XXXX   XXXX  online application. The last payment, {$65.00}, was received on  XXXX   XXXX ,    2016 a nd posted to the account the same day.  XXXX   XXXX  called our Customer Service department on  XXXX   XXXX ,    2016, at  which time she explained that she had lost her previous job, but recently began working again and intended to bring the account current. She did not request that her account be closed. The account therefore remained open until  XXXX   XXXX ,    2016, b y which time additional late payment fees and interest had accumulated in the absence of any payment. The security deposit of {$500.00} was credited to the account on  XXXX   XXXX ,  2016.        As  XXXX   XXXX  did not use the card after the  XXXX   XXXX  call, and in light of her difficulties as described in the complaint, we have waived all of the late fees and finance charges assessed since  XXXX   XXXX , a total of {$120.00}. A balance does remain past due on the account, however as a result of a gas purchase  ( gas purchases may  exceed the available credit limit because the amount of the purchase can not be determined prior to approval and is posted later by the merchant ) and for fees and charges which accrued prior to  XXXX   XXXX .       As of today, we have reviewed  XXXX   XXXX  accounts, and the information reported does not reflect a bank error. We are therefore unable to fulfill her request for an amendment to her credit files.       Please contact me at the address above if there are any further issues with regard to this complaint.       Sincerely,  XXXX   XXXX   Vice President
Consumer complaint received 2022-11-21
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. (CA)

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. These 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. These 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX  ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX
Consumer complaint received 2024-05-14
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. (SC)

I am absolutely furious! This identity theft nightmare has cost me THOUSANDS of dollars and left me with wrecked credit! How much longer do I have to wait for XXXX, XXXX, and Equifax to get their act together on this investigation? This is unacceptable! I need answers and a resolution NOW! 

Listed in the attachments are police reports ftc reports bbb reports denials of credit accounts that were unknowingly or fraudulently opened and that I didnt receive any benefit from.
Consumer complaint received 2017-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On  XXXX / XXXX /  XXXX   I deposited a {$250.00} typed bank check from  XXXX   XXXX    XXXX   into my Bank of America checking account. The funds were immediately electronically withdrawn from  XXXX   XXXX  & deposited into my account. On  XXXX / XXXX /  XXXX  ,  four  days after the transaction was completed, Bank of America seized the {$250.00} from my account. As reviewing my account transactions on  XXXX / XXXX /  XXXX  , I observed that  BOA  had seized my deposit. I immediately began calling BOA customer service centers to resolve the problem. I was told on  3  separate calls to  BOA  customer service centers that the money was seized because the original check could not be verified. BOA claims the bank check could not be read well enough to be verified, yet their online banking center provides me a crystal clear image of the check in question. BOA read the check well enough to withdraw the funds from the correct  XXXX   XXXX  account, yet could n't read it well enough to keep the funds where deposited? I contacted the   XXXX   XXXX    XXXX   customer to discuss the issue & see if their funds were returned. The   XXXX   XXXX   XXXX    customer immediately began investigating the fund withdrawal through a  XXXX   XXXX  telephone representative. The investigation with  XXXX   XXXX  found that t BOA  did not try to return the seized funds to the   XXXX   XXXX   XXXX   or the  XXXX   XXXX  customer. BOA did not make any effort to notify me that they were actively withdrawing money from my account for any reason. My calls to  BOA  resulted in rhetorical circle explanations stating there was nothing I could do whatsoever to resolve the problem. In the manner in wh ich BOA  dismissed this issue, offering no resolve or assistance ; I do not believe this is an isolated incident. I firmly believe that BOA is performing these types of scenarios to people ( especially since the amounts are low enough to not afford a lawyer to take to court ). I truly believe  BOA  is running a scam, in small amounts to avoid massive public push back. They target random people, hoping to prey upon the elderly or individuals who speak  XXXX  as a second language who do n't know how to push back against an enormous corporation. The fact that the seized funds of {$250.00} makes me all the more suspect. Who, in their right mind, would hire an expensive lawyer to fight for {$250.00}? No one. Which means,  BOA  can conveniently make these types of monetary  seizures to  millions of bank customers and probably get away with it. This is an enormous illegal money making scheme that someone needs to investigate. I bet this scheme is netting millions from innocent customers.
Consumer complaint received 2022-11-21
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. (GA)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$74000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$5200.00} XXXX XXXX  XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$70000.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.