davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (FL)

Hello, i fill an online application for a Wells fargo credit card, and i fill all the information for the initial investigation, after 48 hours XX/XX/2020, i call and they told me i have to go to a near branch with two statement with my name and an ID, so i take my license ID, XXXX XXXX XXXX Statement and my car insurance where appears my address, my photo and full name. I went to the near branch in XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and by fax the y send all the documents. Passing the 24 hours XX/XX/2020 i can call again to know the resolution. I call and they told me, they not approved the car insurance as my address verification, so i sent my Pay stub from my Company because they said yes for that document, again, i call and the told me i have to wait another 24 hours. Again i wait the 24 hours XX/XX/2020 and when i call the lady very kind told my, they need now, the image of my social security number or my residence, i said, why if you have all my information, even you see me at your branch and an executive could see that was me. i don't understand why and i request for a supervisor, and the supervisor told me, because i am from XXXX they have to request more information and see if i am a residence person of the united states. I told her, i sent my pay stub from my company, and i to received w-2 i need to be a residence, also they have all my information. At the end they don't approve my credit card application because i'm from XXXX, i feel discriminated because i born in XXXX. that is not acceptable if i complaint with all the initial requirement for every resident or citizen of this country.
Consumer complaint received 2019-10-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

From XXXX XXXX XXXX, I have been charged nine {$34.00} non sufficient funds fees, totalling {$300.00}, caused initially by an automated student loan payment I didn't realize would hit the account. When I received a second non sufficient funds fee of {$34.00} for a balance at negative {$9.00} in my account, I went into the back and asked them to waive the second fee to get my account back on track ( at that point with the fee, the account was - {$43.00} ) but they refused. A spiral has happened since. I have since had fees accumulate with fees upon fees. The fees have been more than the overdraft at this point. I would like a credit to my account for {$300.00}. I have been depositing my daily wages every day, but the fees are too much to overcome.
Consumer complaint received 2019-10-03
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: EQUIFAX, INC. (OK)

I started this back in XXXX of 2016, and have gotten no where with equifax. I have submitted by FTC Report, Police Report, ID, Social Security Number, Proof of Residence, and every other document that they have asked for. My identity was stolen and they are allowing that person to ruin my files by not removing incorrect information. They have multiple files on me and when i call to speak to someone, I am transferred to XXXX or XXXX poorly spoken reps before the call gets disconnected. EVERYTIME. I have no access to any of the information that equifax has on me because the have all my information wrong so i can not verify myself, or the system will not allow me in. XXXX  and XXXX have been great helps. I don't see why Equifax can not do the same. They do not even have a fraud alert listed on my Credit File. Thats a violation in itself.
Consumer complaint received 2023-04-08
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. (FL)

My identity was stolen. These collections are due to accounts that were fraudulently opened in my name and are not mine. 

XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A. (IN)

I started to XXXX XXXX that I went to another phone company therefore I was never using any of the phone service. They still charged my automatic billing and refused to refund me and Citi card didn't make it any better. I told Citi the same issue and they still favored XXXX and reversed the charge. They are the worse at these issues.
Consumer complaint received 2023-06-13
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. (SC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2019-10-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Sky Group USA, LLC (IN)

I received {$300.00} loan on XXXX XXXX. 
Made payments of {$90.00} each on XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX  XXXXand XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX, XX/XX/XXXX, then on XX/XX/XXXX I paid {$300.00} to pay loan in full and they continue to take out {$27.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, and XX/XX/2019. I have emailed them twice to stop MY ACH AUTHORIZATION and the continue to take money out.
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BBVA FINANCIAL CORPORATION (TX)

XXXX XXXX, repeatedly blocks my credit card without any reason. Always pay my bills on time never been late. XXXX doesnt apply my scheduled payments in a regular manner. Puts my payments on hold for no reason. XXXX apply XXXX pressure on the customer and unnecessary stress by applying these tactics. This is not a normal bank behavior.
Consumer complaint received 2019-10-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Portfolio Recovery, LLC (IL)

XXXX XXXX XXXX called my mothers cell phone which is not listed on any of my credit reports and told her they trying to collect a debt. She is not an account holder either. Then they filed a summons in court after they violated my rights. i want this company to cease and exist all contact with me.
Consumer complaint received 2019-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$4400.00}, {$9000.00}, {$0.00}, {$0.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 
1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 







3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.
Consumer complaint received 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Our mortgage is through Bank of America. We had a leak in our home that resulted in an insurance claim. Because the amount to fix the damage of our house exceeds 20K, we need Bank of America 's endorsement on the check. After overnighting the check to be processed over a month ago and several calls (XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) we are still stuck in their process.

XXXX should examine Bank of America 's lack of service and accountability in this situation. BOA eagerly takes our business and originates the mortgage loan but does not have the support staff in place to assist their clients when something like this happens. This results in us, their borrower, stuck in limbo without money to start work on repairing our home. It also translates to my family, with three young children, unnecessarily out of our home and in a hotel for an extra amount of time until BOA moves forward issuing a check. 

After not hearing anything, I called on XX/XX/XXXX to see where they were in the process. I was told that our contractor 's XXXX was filled out incorrectly and needed to be resubmitted. When I asked if they would have called me and told me this, they said no. They do not make out going calls. There is no follow through on their end to let the consumer know that the XXXX needs to be resubmitted. I asked to email over the corrected XXXX and they said fax or snail mail are the only ways to submit it. I called back again to ensure that the new one was correct and they still only had the incorrect one. I refaxed the correct XXXX 3 times and after following up repeatedly to make sure they had it, I was told on XX/XX/XXXX to just email it. 

They have confirmed that it is now moving forward at an " escalated '' pace ( at least 48hr to  approve the check still and another 48hrs to print the check before it will be mailed. ) I expect so much more of Bank of America and hope that you can assist in having this process changed as it has been awful for me and my family.
Consumer complaint received 2019-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bliksum, LLC (CA)

XX/XX/19 Suppose maximum loan I QUALIFIED for ... per Loanme pulling my credit report : 1. {$10000.00} ... Terms = 79 % interest ... 84 month installment payments at {$660.00} per month ... {$2000.00} origination fee. 

2. {$7500.00} ... Terms = 79 % ... 84 month installment payments ... at {$490.00} per month ... {$2000.00} origination fee. 


XXXX. {$5000.00} ... Terms = 135 % ... 84 month installment payments ... at {$420.00} per month ... {$75.00} origination fee. 

Loan agent XXXX XXXX straight out bamboozled, flatout lied, misrepresented, and old school BAIT/SWITCHED, in addition to making me jump through a hoop like a DOG, having to provide all pages of my utility bill. When at inception I was told all I needed was to have my credit successfully ran, and to provide California DL, and my SS card for the successful sale from what I was originally purchasing. 

Which was going to be the {$5000.00} loan with the above terms. In the end of supposedly being fully approved he comes to me with the ( attached ) deal of {$3100.00} ... 135 % ... for 47 month installments ... at {$350.00}! Straight institutional racism at it's finest, when a person of XXXX is down on his fortunes, and in need!
Consumer complaint received 2019-10-03
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)

I have not received any confirmation on how you have verified the alleged fraudulent Inquiries and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. 

Fraudulent Inquiry 1 : XXXX Fraudulent Inquiry Date XXXX : XXXX XXXX, XXXX Fraudulent Inquiry 2 : XXXX XXXX., XXXX XXXX Fraudulent Inquiry Date XXXX : XX/XX/XXXX Fraudulent Inquiry 3 : XXXX , XXXX. 
Fraudulent Inquiry Date 3 : XXXX XXXX, XXXX Fraudulent Inquiry 4 : XXXX Fraudulent Inquiry Date 4 : XXXX XXXX, XXXX
Consumer complaint received 2018-04-09
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. (TX)

The credit reporting agency refused to show proof this debt belong to me. Also refused to investigate the account properly according to fcra. The account XXXX XXXX XXXX need to be investigated properly
Consumer complaint received 2022-02-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IA)

I have negative items on my credit report I also have disputed these items in XXXX and I have not seen any changes or notification as to why these items are on my report
Consumer complaint received 2019-10-03
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$4400.00}, {$9000.00}, {$0.00}, {$0.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on Sep 01, 2019 and the subsequent response received on Sep 30, 2019 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 
1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 







3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.
Consumer complaint received 2019-10-03
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: EQUIFAX, INC. (GA)

I have been dealing with Equifax for several months regarding these fraudulent accounts and inquiries on my credit report. I talked to several people at Equifax Consumer Affairs Office such as XXXX and Ms XXXX and neither representative have removed these fraudulent accounts and inquiries from my credit report. 

Equifax negligence has caused me to not get job opportunities because they refuses to delete and remove these fraudulent accounts. I have sent several letters as well as faxes but Equifax refuses to remove accounts. 

Equifax has violated my rights by not removing and blocking these fraudulent account under FCRA within four days. Equifax is also violating my rights be reinserting fraudulent accounts back in 2014 on my credit report without notifying me within five business days. 

XXXX XXXX XXXX XXXX representative by the name of XXXX XXXX sent me letters stating for all three major credit reporting agencies to remove these fraudulent XXXX XXXX accounts from my credit report, but Equifax refuses to follow the law. This is why Equifax is constantly getting sued because they are refusing to obey and follow the law.
Consumer complaint received 2020-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, lease block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX.
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Experian is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that Experian is reporting TWO BANKRUPTCIES AS PUBLIC INFORMATION ON MY CREDIT. On XX/XX/2018 i sent XXXX, XXXX and Experian a letter requesting that they investigate or delete disputed items from from my credit report as well as temporarily remove these items from my report during the investigation period. XXXX removed the negative information from my credit file because it was not able to be verified. As of this date Experian have failed to respond to my request The law stipulates that Experian must investigate within 30 days of receiving my letter and respond within 5 days of completing their investigation, AND Experian has not followed the stipulations of the law. Experian have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( 1 ) ( 1 ) ( A ). Furthermore, tthey have failed to provide the method of verification required under section 611 ( a ) ( 1 ) ( A ). Please be advised that under section 611 ( 5 ) ( A ) of the FCRA - you are required to " promptly DELETE all information which can not be verified. I may suffer damages because i need to rely on an accurate and complete state of my credit record and demand that you remove the disputed items from my report immediately as they have failed to comply with the law. Otherwise, i will contact the federal trade commission and advise them of their apparent disregard for consumer protection laws.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BB&T CORPORATION (MD)

I was shocked when I reviewed my credit report and found late payments on my credit report from XX/XX/2017. 

30 day late XX/XX/2017 I am not sure how this happened. I believe I have made all of my payments to you upon receipt of the statement.
Consumer complaint received 2018-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (AZ)

XX/XX/XXXX: XXXX XXXX account closed and paid in full. 
XX/XX/XXXX : XXXX XXXX started withdrawing money from my checking account, I stopped the payment. 

XX/XX/XXXX : XXXX XXXX sent to collections, Convergent. I disputed twice with XXXX XXXX and they said it can't charge me once account is closed but they couldn't get Convergent to return the charge off to get taken care of for me. 

I tried two other times through agencies credit reporting dispute process. They still did not remove and said it is a good debt. 

XXXX XXXX said not good, but yet Convergent says it was good. After account was closed I was charged. 

This is on my credit and now I have to pay to get a home mortgage or they will not try to finance me for XXXX dollars. I have no problem paying this, my credit score is over 750 but for some reason the bank wants me to pay this off. 

Please have them remove this from my credit. They are harming my purchase of a home.
Consumer complaint received 2023-04-08
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. (NY)

On XX/XX/2023 Account Name XXXX XXXX Account # XXXX Date opened XXXX COMPANY SOLD : XXXX Status : Discharged through Bankruptcy XXXX  XXXXNever late. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX The open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.