davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX my husband and I refinanced out home with Country Wide Home Loan to consolidate a first and second loan, substantially lower interest rate and cash out some equity. When the original loan was started in XX/XX/XXXX we were not married as of yet but was married prior to final documents being signed therefore the property remained solely in my husband 's name since he had purchased the property a couple of years earlier. In XX/XX/XXXX a second was taken out which was a joint loan and therefore changed title on property. 
After finalizing the refinance in XX/XX/XXXX a loan agent approached us that the rates were coming down again and we should refinance again to lower our payments however advised us not to include my name as I had student loan debt. we were assured nothing would change When Country Wide failed Bank of America assumed our mortgage ow recognizing only XXXX as the sole owner and I as non existing. On XX/XX/XXXX XXXX, my husband unexpectedly passed away. When I notified B of A of his passing the options given to was to be appointed as executor of the estsae,, sell, continue to make payments with no legal interest in the property or assume the loan which involves qualifying to do so. 
In XX/XX/XXXX I was placed on XXXX due to health issues seeing I am not XXXX years old at the time of XXXX 's passing and knowing my main goal is to keep my home where we have lived in for almost thirty years. Where we have raised our children and had the pleasure of welcoming XXXX grand children was absolutely daunting. 
After much exchange of information with B of A they now are granting me information on the loan but the no legal authority. I am in the process of working with Keep Your Home California however they are requiring a new modification which B of A sent me an application for but when I phoned to request information was informed the modification would not be granted if I did not assume the loan. 
The deed to the home is now in my name going through paper work we found copies of the XX/XX/XXXX loan where on XXXX different papers my name was listed with the word borrower as well as letters from ReconTrust the note holder of the property when we fell behind on payment after a prolonged layoff. 
I feel victimized seeing we were lured into a loan where my name was omitted but led to belieie it was no big deal since we were married and the house was in my name I feel this was extremely predatory and fraudulent and B of A needs to do the right thing. 
The loan is current and in good standings however XXXX of my kids have moved into assist me financilly but are in the midst of purchasing their own home. I want m home not only because I have paid for it for 29 years and is modified for my XXXX issues
Consumer complaint received 2022-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My name is XXXX XXXX I have been with Bank of America for XXXX years now and the amount of times I contact y'all regarding them is crazy they are people that not paying attention to facts or just don't care about there customer accounts because what I don't understand is why my blocked card that was lost/stolen has a charge from a rental agency that I have not done business with since XXXX and used a different card to make that rental and has been cleared out so on XX/XX/XXXX I was charged XXXX to a card that was closes on XX/XX/XXXX, due to me losing my card after relocation from Florida, I contact Bank of America let them know that I have not used my card for any rental come to find out its the card ending XXXX that i closed back in XXXX that had fraud charges on it thats the card that was charged, they tried to charge me XXXX separate times on XX/XX/XXXX they tried to charge XXXX on XX/XX/XXXX on the card ending in XXXX that decline, then the XXXX that the charge that went through on XX/XX/XXXX then the next day XX/XX/XXXX they tried to charge me XXXX but that declined so my question is how did that XXXX go through if it decline the other 2 times they tried to get in, I was also told that rental cars and hotel have the right to go into a card after your rental has being either returned or your stay with the hotel is over if u owe them they go in on a closed card that and charge you so I contact the merchant they tell me that they did not charge they can not find anything was owed to them so XXXX not understanding why when I open my claim XXXX on XX/XX/XXXX I can't for life of me understand what research was really done because as the agent and I talked about that I don't spend that much with my car rentals I only spend XXXX and less than that with my car rentals so Im confused about my monthly statements and it says that it was made by me or someone that authorized but again my next question is I called bank of America blocked my card because I saw XXXX XXXX charges and other chargers with my other banks that I filed claims on because all my cards was lost so my chase business card my bank of America business and XXXX XXXX card was all gone, all lost so if Im confused that I authorized something if my contract with them has been closed and was used with whole different card.
Consumer complaint received 2021-07-26
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: Credit Plus Inc (CA)

They are five hard inquiries on my XXXX Credit Bureaus report and are showing under my name. They are not authorized by me and they are not belongs to me. Therefore, all five inquires should be removed immediately from my credit report. 
1 ) XXXXXXXX XXXX XXXX XXXX 2 ) credit Plus 3 ) XXXX XXXX  XXXX 4 ) XXXX XXXXXXXX XXXX XXXX 5 ) XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

My First & Last name are as follows : [ XXXX XXXX ] My XXXX XXXX Address is as follows : [ XXXX XXXX XXXX XXXX, SC XXXX ] After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

My current address is : [ XXXX XXXX XXXX XXXX, SC XXXX ]
Consumer complaint received 2023-02-15
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. (TX)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXXXXXX 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 2020-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

The below complaint was submitted to CFPB on XX/XX/XXXX, a reply was provided today on XX/XX/XXXX, unable to view the response from Wells Fargo as the file will not view or download on my end ... .The same issue occurred to a prior complaint, reply unable to view or download.. The complaint is regarding a fraud check cashed in my name, funds not received, the amount of which is {$5100.00}. An affidavit was sent in to fraud as well as copy of check, XXXX in fraud investigations reached out wanting to know details of check such as why it was issued and amount. I requested XXXX XXXX, rep I am working with in mediation, reach out to XXXX which he did and have not received any offer info to date.. XXXX 's last email reply stated investigation was sent back to fraud as of yesterday, XX/XX/XXXX, no other info. I do not know what is going on, however, I did not receive funds from check and needs to be reissued.
Consumer complaint received 2018-03-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (OH)

On XX/XX/XXXX i submitted a agreed payoff amount to Wells Fargo Dealer Services in order to finalize and payoff a auto loan. At this time time i was told that that once payment was received it would take three days for the title to be electronically released since I was in a state that kept title electronically ( Ohio ). I called back on XX/XX/XXXX and was told that it was still being processed and it might be released that afternoon ( they had my money though ). I called back Mon and it still had not been released but it was processed as paid off on XX/XX/XXXX. I continued to ask for someone to speak to in regards to it being released and was told there was no one else to talk to. I called back Tuesday morning and then was told it was still being reviewed and they had 7-10 working days to process the procedure. I stated that someone told me that they had processed it already as paid on XX/XX/XXXX why cant it be electronically released? They said that was not true and they still had time to review the payoff. I stated you have my money and have had it for over a week what is there to be reviewed this is the settlement that was agreed upon already. I met my part of the agreement and my title should be released when I met my part of it. This delay is causing me problems of something that I paid for as agreed upon. Wells Fargo has accepted my payment but has not released my title in the timely manner as payment has been processed. When the funds cleared the title should have been released. There is no review process upon a already agreed upon settlement. WHAT IS THE REVIEW PROCESS! A DELAY IN INTEREST BEARING BANK PRACTICES.
Consumer complaint received 2023-05-30
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. (FL)

Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. After sending complaints here in CFPB these negative items are still reporting and my complaints have never been resolved. I am asking an assistance to REMOVE these fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I activated a new card with capital one I believe in XX/XX/2023. It had some issue later with my social security number linking to me. With this new card. I spent a great deal of time sorting this out in XXXX as I had no access to my account via automated phone or website. 

I was told by Capital One it was fixed but it wasnt. I made a payment that month but still couldnt see the account, due dates etc. this was well after the alleged timeframe it might take to switch over what they did to resolve the account issue. 
In XXXX I Ended up getting a late fee and after calling them and their IT actually fixing it. I spoke to a few reps in customer service and financial and I was denied a credit for the {$29.00}. They refused to answer why a credit wasnt warranted and proceeded to stick to what the first rep said whom acted like she was too bothered to deal with my issue and noted as denied. 

I paid off the new card and am intending on paying off my Menards, Silver, platinum, and closing my checking and savings. Way to go customer service. My monthly fees cost more than {$29.00}. 


Then there is an issue with denied atm transactions. I recently was denied money because of being security flagged while traveling. I stopped at an in network atm and try to take money out of the ATM for a customer i was going to visit. The ATM denied my transaction with no explanation. I tried multiple times to no avail. I left the bank. I try the XXXX also with the same results. I saw that there were out of network banks ahead, and no other network banks close by so I ended up driving about 20 minutes towards another bank and along the way I got a text message, asking me if I had tried to withdraw money at the ATM. Apparently there was a security flag on my account because I was traveling outside of my local area. I guess I was only about an hour away from my home. Because there was no network ATM anywhere close at that point I got a fee for using an off network atm. 

I called capital one and asked them following my transaction which went perfectly at a non-network ATM and I asked them about why I couldnt use my card and they told me it was because it was security flaged because of some unknown reason and this is the multiple times this has happened with their cards a question about getting a credit and they denied me yet so they cant give a credit because of this. 

fees like these add up immensely XXXX sure if you do this to many customers.
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (TX)

Hard inquiries On my credit file that I did not authorize. I do not have accounts with these companies nor did I request to have a hard inquiry pulled by these companies. 

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
Consumer complaint received 2023-03-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (FL)

I had an appointment with XXXX XXXX XXXXXXXX in XXXX XXXX XXXX and signed a contract for XXXX some of dollars. I went once and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX  told me that he was not going to take that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are holding me XXXX and have ruined my credit. My credit was extraordinary and my XXXX score his drop XXXX points and I got a terrible XXXX and the XXXX  prescribed a XXXX  instead of the XXXX that I was supposed to have. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I would never go back there. I saw the non closure. And I was to oh nothing but they are charging me {$4400.00} and will not help. Ive counted that contacted them so many times this is the worst place ever. There are XXXX complaints on XXXX about them.
Consumer complaint received 2023-05-30
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. (AZ)

I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and ultimately on my financial wellbeing. This has been hurting me as I am in the process of buying home for my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
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 2023-05-24
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. (CT)

Upon receiving my credit report from all three bureaus, including Transunion, XXXX and XXXX I have noticed incorrect reporting. The first reporting on my credit report that is considered fraud would be a collection from XXXX ( XXXX XXXX XXXX  ) in the amount of {$110000.00}. The second incorrect filing on my report would be from XXXX  ( XXXX XXXX XXXX ) in the amount of {$1100.00}. The third incorrect filing is from XXXX XXXX XXXX  in the amount of {$880.00}. Regarding the 3 incorrect filings listed above I have contacted both the service providers as well as Transunion, XXXX and XXXX to dispute the filings. I have also reported the incorrect filings to ( IdentityTheft.gov )
Consumer complaint received 2023-03-03
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. (PA)

I HAVE THESE FRAUD ACCOUNT THATS ON MY FILE THATS REPORTING INCORRECT 1 XXXX XXXX XXXX ACCOUNT # XXXX 2 XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken. A proper investigation has yet to take place, if this complaint is closed without proper action being taken by your company. I will seek legal means to take action against your company through the judicial process. I have sent all paperwork necessary for a dispute with Transunion, including an affidavit, police report, letter from the DA, and a cover letter on which accounts I was a victim of identity theft. I mailed them US priority mail, I have yet to get a response back. The police report and the letter from the DA verified that I have had numerous accounts that had been opened fraudulently while serving in the US Military. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable { {$2500.00} } per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. First I want to address the is the collection account XXXX from XXXX XXXX. Second I would like to address XXXX from XXXX XXXX XXXX XXXX This account was mine, however, I was never late! And, I paid it off. Please refer to my XXXX and XXXX credit reports that I have attached for verification. Third account # XXXX from XXXX FI. This was not me and is fraudulent. Fourth account # XXXX with XXXX XXXX. This was not me as well. Fifth, account # XXXX that was originally with XXXX and now is with XXXX. Again, this is not me and I 've sent documentation from local law enforcement proving all of these were identity theft. Sixth is account # XXXX that was originally with XXXX and now is with XXXX XXXX XXXX Seventh is account # XXXX that was originally with XXXX and is now with XXXX XXXX . I have never even been to this place. Eighth is account # XXXX that was orignally with XXXX and is now with XXXX XXXX . Again, I have never been to this place. Ninth is account number XXXX with XXXX XXXX. I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed and/or fixed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Trans Union continues to bully and cripple my ability to even move or prove to a business I 'm me. As Trans Union has changed the placement of my name 's switch last, middle and first on their reports to companies then Trans Union deletes my first name and gives me to last names. All because Trans Union wants to violate my rights of privacy demanding I send them my Government issued and personally paid for State ID and they have no rights to my SSA card or State ID/ License. So Trans Union claims that they got the illegal fraud report on my name from XXXX or XXXX. Yet for the history of XXXX & XXXX under my SSN My name is as it is on my ID which is XXXX and not XXXX XXXX, or any other version that ONLY Trans Union is doing. I have less than 50 days to move as the home I 'm in is sold, but when I apply other places Trans Union malicious actions and reports deny the rights to my own name & SSN as if Trans Union is the government agencies that issued me my SSA card number, birth certificate, and government issued and I paid for documents. Trans Union needs to stop this holding my own private personal information in error by malice and cease w/ all reporting of fraudulent data that they know the other Credit agencies are not. Trans Union has been doing this to me for over 16yrs now always demanding my personal ID and SSA card which I have the right to refuse, but gives them no right to use defamation and retaliatory actions to bully or try and force me to give up my rights.