davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

Many years ago I got behind on my mortgage payments with Wells Fargo and I was put on a modified loan and successfully paid that off before the time was up. I have been current on my payments since XXXX and my credit score is around 800. During that time Wells Fargo put a lean on my home and never took it off after my payments. They have a {$70000.00} lean on the home. This seems outrageous due to several late payments. Is this legal? I never new about this lean until a few years ago. XXXX received paperwork on it nor new anything about it until I went to refinance my home. Can you please help?
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was sneakily billed for their monthly service in spite of never signing up for it. Never gave them my credit card information. Also, never ever received an email confirming that I was subscribed to their monthly service, nor an email ever that monthly charges for the past 5 months are being levied on my account for my services. Very shady.
Consumer complaint received 2023-09-28
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America did not have my State of Arizona unemployment benefits available on my pre paid card for several months during XXXX, during the pandemic relief benefits period. The totals were approximately {$1500.00} that were unpaid. 

The State of Arizona paid that amount in early XXXX that was due in summer of XXXX. The state of Arizona then reversed it's decision on the reimbursement and claimed I was overpaid benefits and that any initial non payment of benefits was due to fraud allowed by Bank of America. No more details were disclosed to me. 

My tax refunds have been garnished ever since, including interest. I was also a litigant in the lawsuit against Bank of America, only to have my claim dismissed on XX/XX/XXXX due to not having suffiicient information to prove any fraud had occurred. 

I feel Bank of America is responsible for my hardship during that period of time they botched the payments and for my continued tax refund garnishments.
Consumer complaint received 2023-06-06
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-01-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY (TX)

On XXXX XXXX, XXXX a direct deposit of {$200.00} was made into my account within minutes of the deposit my account was hacked. The hacker attempted to transfer {$220.00} from my account by XXXX separate transactions. I immediately called American Express customer services, reported the pending fund transfer. I was then transferred to investigations, answered all their questions, changed secured question, password, etc. I was told the matter would be investigated and someone would contact me in a few days. Although I reported the hacking immediately while the transaction was still pending, American Express proceeded to transfer the money to the hacker! 
I waited until XXXX XXXX, XXXX before calling American Express again. This time when I called, I was told oh they should n't have told you that an investigation takes XXXX-10 business days from the date of the incident. So on XXXX XXXX, XXXX I called again to check on the status of the investigation and get an answer as to why my {$220.00} was still being held. Now American Express is saying that the investigation takes 45 business days!!
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (CA)

There were three charges on my XXXX XXXX credit card that I did not make. Two were made in the amount of {$110.00} and {$110.00} on XX/XX/2022. The third charge was made on XX/XX/XXXX in the amount of {$130.00}. I contacted the credit card company, Genesis FS Card Service back XX/XX/2022 when I first saw the fraudulent charges. The operator on the line said they will be looking into the matter. I looked on my account statement on XX/XX/XXXX, with Genesis FS Card Service for XXXX, and had seen there was a " Purchase Reversal '' done on XX/XX/XXXX for all three charges. Right about that, XX/XX/XXXX was able to be seen, and it showed all three charges on my statement again showing up as " Sale ''. I contacted the credit agency, the operator on the line said they were still looking into the matter. Three days later, I received a letter in the mail from them stating that they " were unable to resolve the matter in my favor '' since the charges were " reversed '' on XX/XX/XXXX, when they showed up again as " sale '' the following day on XX/XX/XXXX.
Consumer complaint received 2023-04-28
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. (GA)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-05
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DeptedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Please see attached dispute accuracy [ 15 U.S.C. 1681i ] and important information on the credit file dated XX/XX/2023. /s/XXXX XXXX XXXX
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

To somebody who can help me. I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope the bureaus find out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately, a new credit report that reflect the updated changes should be sent.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681section 602 A. States i have a 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.
Consumer complaint received 2023-07-24
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: Experian Information Solutions Inc. (NY)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity Properties Inc. (OH)

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2023-06-20
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)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I am the consumer. I am the natural person who is protected by the US Constitution and State Constitutions. I am not an entity the State created, I AM THE BENEFICIARY to such trust. I am not a resident of the State. I am not a US citizen. I am a citizen of the kingdom of Heaven. For He is my Creator. Isaiah 54:17 NKJV No weapon formed against you shall prosper, and every tongue which rises against you in judgment, You shall condemn. This is the heritage of the servants of the XXXX, and their righteousness is from me says the XXXX. This complaint is against XXXX BANK by me, XXXX XXXX XXXX. Date of LIVE Birth is XX/XX/XXXX. XXXX BANK has flagged a closed account in our name. We sold our house in XX/XX/XXXX. XXXXXXXX XXXX XXXXs alleging we voluntarily foreclosed on our home. They are making adjustments to unlawfully created accounts in our name. They have recently made reports to consumer reporting agencies without our consent to do so, which caused adverse actions to both me and my wife. XXXX XXXX did not disclose this to us nor did they have our consent to report to any consumer reporting agency or make adjustments to any accounts in our name. They have unlawfully used our identification information to commit fraud violating 18 USC 1028 and 18 USC 1028A and15 USC 1681b ( 2 ) 15 USC 1365. 15 USC 1693l. 18 USC 1341, 1342,1343, 1345,1346, 1348, 1349, 1350, 1351. 26 USC 1031, 15 USC 1693h, 15 USC 6821, 18 USC 2332b. They made reports on XX/XX/XXXX for the same reasons as this which caused the same adverse actions then too. This material misrepresentation is in an attempt to defraud the United States and Internal Revenue Service as well as myself and my husband XXXX XXXX. In my most recent update from Experian, my notifications showed XXXX XXXX  flagged my account as bank adjustment/deed in lieu/Bank Liquidation. The Deed was sold to XXXX XXXX  to avoid the continuous threats, abuse, and harassment from XXXX XXXX XXXX XXXX XXXX. The threats, harassment and abuse caused us personal injury not only to ourselves but also to our family and private personal property. XXXX XXXX XXXX XXXX XXXX  listed us as tenants in their unlawful, illegal contracts. We were not tenants nor did they have any lawful or legal right to possession of our private property. We owned our home. We extended credit to both XXXX XXXX XXXX XXXX XXXX  They deceived us but the proof is in the sale. The documents we retained from the sale of our home required signatures of the OWNERS of the home, which were myself and my wife XXXX. The consumer reporting agencies failed to verify information before lowering my XXXX XXXX XXXX points both times. XXXX and again in XX/XX/XXXX. XXXX XXXX XXXX XXXX  Experian, XXXX, XXXX are guilty of frauds and swindles, Identity theft, Aggravated Identity theft, Failure to protect customer information of financial institutions and so much more.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-01-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company (NJ)

I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. The driver of the vehicle fled the scene, and I suffered multiple injuries. My auto insurance XXXX was informed and was paying the bills of my medical debt as per the NJ State law and my no-fault status. Police was unable to track the rogue-driver. My insurance details were sent to all parties who treated me like XXXX XXXX and XXXX XXXX and XXXX XXXXs. Recently an unknown debt collection agency put a collection delinquency on my credit report damaging my credit score and putting me in great distress on top of my injuries. I believe that it is this agency that was sending me threatening calls which I communicated to XXXX and they said all bills they have paid. After contacting Credit Bureau they said that it is an agency in Pennsylvania asking to pay ambulance fee. The ambulance was given my auto insurance details several times and I received no notification after that. A Florida based Ambulance company named XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Florida XXXX was also given my XXXX XXXX and medical insurance details long time ago. This third party agency is outside my home state and had no contact number available. I find the recent action by the collection agency named Commercial Acceptance as damaging and harassing as they threatened in the phone calls. I kindly ask CFPB to clear the wrongful debt collection in my credit reports and take action against this collection agency for damaging my credit score in this time of hardship.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION (LA)

On XX/XX/2022, I filed out a credit card application offer sent to me by Navy Federal after prequalifying, speaking to representative, unfreezing my credit report, reading terms and conditions of the program before submitting the application. Nevertheless, I was denied the offer, which is understood did not guarantee approval. The problem is the direct reason of the denial of the credit card application!

The denial is in violation of the FCRA LAW. Also Violation of the credit card disclosure program which does not specify in filling out the credit card application you have to qualify for a XXXX credit limit! 
That was the reason verbatim, my credit card application was denied!
Consumer complaint received 2023-07-24
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: Experian Information Solutions Inc. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My checking Acct in Bank of America was charged with doble XXXX dlls charges over 15 years and sometimes twice. I filed a claim with BofA two weeks go and when I call for an update I only hear that the representative doesnt have an answer for me either all the other hundreds of victims of this abusive behavior.
Consumer complaint received 2024-04-04
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (WA)

I want the inquiries deleted on all 3 credit companies it's been years since I really checked my credit report now that I checked it I noticed I have way to much inquiries that was not me authorizing any so that's a problem
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (AL)

I pulled my credit report after trying to obtain loan for educational purposes and was denied due to account on my credit report. I have never applied for credit nor entered any type of signed agreement of any kind with this company. I would like this account removed immediately from my credit report. It is incorrect and I would like to know who granted them access to my credit report.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.