davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NE)

I had a credit card with WF up until it was suddenly Closed. In XXXX. I have no late payments, no outstanding payments and did not go over any limits during my time of having a credit card with WF. I spent over four hour being transferred on the phone from online banking, the credit card department, the claims department to line of credit department. I have good to great credit from every agency, but can not get a credit card, because of something WF did. I can not find any delinquencies and wrongdoing on my end. Every time I call the credit card, WF departments, they tell me, " we will send you a explanation in the mail ''. I have requested explanation verbal, written and electronic for almost five years now, with no explanation. I have been making payments with the same amounts due for four years. I currently own {$5600.00} and have been making on time payments since the closure. That amount is not even close to the amount I had as my limit, so therefore my card should have never been closed. The limit was {$15000.00}. 
One month the interest rate is {$54.00}, then {$59.00}, then {$57.00}. I am being charged nearly half percentage every month of what is owed. 

The actions I have taken are contacting WF initially for four hours trying to get something resolved. I have spoken with every department they transferred me to, via phone. I have gone into the banks for explanations with no answers, but that I can not either open my account or even a new one without explanation. I have reviewed my credit card scores from multiple agencies in which there are no red flags. I've spoke with WF " claims and disputes '' and they have stated that it was closed due to " red flags ''. Years later I have attempted to open up another credit card and they stated I could not and to contact WF on the reasoning why.
Consumer complaint received 2023-04-06
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. (TX)

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 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 : 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 2023-01-27
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. (NJ)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 XXXX is being investigated by the FTC.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

TRANSUNION IS REPORTING 2 LATE PAYMENT ON MY LOAN WITH ROADRUNNER FOR XX/XX/XXXX AND XX/XX/XXXX. I HAVE NOT MISSED MY XXXX PAYMENT AS I HAVE PROOF THE PAYMENT WAS MADE EARLY ON XX/XX/XXXX. LASTLY I CONTACTED XXXX IN REGARDS TO XX/XX/XXXX PAYMENT BEING REPORT LATE AND THIS ALSO CORRECT DUE TO A BILLING ERROR. MY PAYMENTS ARE DUE ON THE XXXX OF EACH MONTH. A PAYMENT IS NOT REPORTED LATE TO CREDIT BUREAUS UNTIL IT IS 30 DAYS LATE. I MADE MY XXXX PAYMENT AND XXXX PAYMENT BOTH ON XX/XX/XXXX IN THE AMOUNT OF {$500.00}. I AM AWARE THAT THESE LATE PAYMENTS ARE 100 % INACCURATE AND I WANT THEM REMOVED IMMEDIATELY AS THEY DONT REFLECT A HONEST REFLECTION OF MY PAYMENT ABILITY. ACCORDING TO 15 USC 1666 CORRECTION OF BILLING ERRORS I AM AWARE THAT BOTH LATE PAYMENTS MUST BE REMOVED AND PROPERLY INVESTIGATED.
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

An Explanation of Your Complaint I opened a mortgage account in XXXX with Bank of America for my rental property loan and setup auto payment for monthly mortgage payment, never had any issues. 

In XXXX beginning, I was traveling and forgot to review the house insurance for a week, Bank of America end up buying the insurance on my behalf and charged me. In this process, BOA Opened an ESCROW account ( without my knowledge ) and never closed after the job was done. I always manage my mortgage and other payments ( without any ESCROW account ). 

In XX/XX/XXXX, I started seeing missing mortgage payments as they were not applied to my mortgage account even though there was debit from my checking account. I started getting letters that I may need financial assistance etc. After investigation, I learned that portion of my monthly mortgage is being credited to the ESCROW account and hence the remaining amount is not sufficient to be applied against the monthly mortgage commitments. There were no communication from Bank about it. I visited XXXX XXXX several times, also visited XXXX XXXX XXXX XXXX BEGGING to Please close my ESCROW account as I DO NOT need it and my financials are in Good standing situation. 

Bank personnel kept promising me that they will follow up and ensure its closed. It Never happened. 

It is IMPACTING my HEALTH as I got so much Stress due to this USELESS issue and it has also impacted my Credit history. 

Few recent tickets were opened with BOA and I never heard back on the updates Ticket # XXXX Ticket # XXXX. 


I am Really really sick and tired - BOA XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE PLEASE HELP CLOSING IT ASAP.IM LOSING MY PATIENCE. 

CALL ME IMMEDIATELY.. 


XXXX XXXX XXXX
Consumer complaint received 2021-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (NM)

I made an account with XXXX crypto trading web site. The web site said to fund the account by bank wire transfer. I sent 2 bank wires. {$700.00} and {$1000.00} and the bank transfer was registered XX/XX/2012. No funds have registered on my XXXX account. Now XXXX says I have to send them more of my personal bank information. Now I have read about many former XXXX customers being scammed by XXXX.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an account without my written instructions.

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.

To add personal statements : I've never made a payment to this company, yet they continue to report inaccurate information on my credit report regarding " current payments. '' I have not agreed to any terms with XXXX XXXX. 
I never opened an " XXXX '' account after the year of 2013. 
The company has yet to reply in writing to my Debt Validation letter sent on XX/XX/XXXX.
Consumer complaint received 2024-03-07
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Balance : {$460.00}
Consumer complaint received 2023-08-22
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. (GA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately
Consumer complaint received 2019-02-15
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. (NV)

As I've gone through the accounts that are displayed on my credit I've noticed unusual activity and an ample closed accounts that aren't. Please remove these items from my credit report immediately, for they are items of identity theft, they do not belong to me.
Consumer complaint received 2022-03-30
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: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington Mortgage is continually reporting my mortgage inaccurately to all three reporting agency. My mortgage is being reported as closed and included in bankruptcy. Account never closed and paid on time.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I've been trying to log into my Equifax account to place a freeze on my report but keep getting a message that it is temporarily unable to log me in. I've tried emailing the company but they have yet to reply to me, not even an automated email acknowledging that they've received it and will get to it when they can.
Consumer complaint received 2019-09-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Peter Roberts & Associates, Inc. (NH)

XXXX XXXX continues to call several times daily harassing me and my family, this has been going on for years now. I have repeatedly asked them to stop after they refused to give me any information on what this debit is. They are rude and threatening and refuse to provide any information to corroborate their claim that I owe money. I have no idea what they are talking about and they refuse to stop harassing my family with constant calls all hours of the day.
Consumer complaint received 2019-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been found on my credit report. I have identified several issues with the information that has been reported and I am requesting your assistance in correcting these errors. 

Firstly, there are several unauthorized inquiries on my credit report. These inquiries from XXXX XXXX and XXXX XXXX were not authorized by me and I suspect they may be fraudulent. I am requesting that these inquiries be removed from my credit report immediately. 

Additionally, there are several inquiries that I do not recall authorizing. These inquiries from XXXX XXXX XXXX  XXXX and XXXX XXXX, XXXX  are unfamiliar to me and I request that they be removed from my credit report. 

Furthermore, there are several accounts on my credit report that have questionable information associated with them. The account with XXXX  XXXX XXXX with the account number XXXX and XXXX, as well as the account with XXXX  XXXX XXXX with the account number XXXX, all have questionable names and numbers. I am requesting that either the information be clarified or the accounts be deleted from my credit report. 

In addition, the account with XXXX XXXX with the account number XXXX has a payment history despite being listed as a charge off. This is inaccurate information and I am requesting that this account be removed from my credit report. 

Lastly, the account with XXXX with the account number XXXX and the account with XXXX  XXXX with the account number XXXX both have incorrect information associated with them. I do not recall ever being late with my payments and I request that this inaccurate information be removed from my credit report immediately. 

I appreciate your attention to this matter and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. ()

I need to travel from XXXX XXXX to XXXX  in order to try to recover a safe deposit box from my great grandfather that was deposited a safe security box in XXXX XXXX XXXX around 1920, boxes that sometime after were acquired by XXXX ( XXXX XXXX XXXX  ). 
I would like to be sure regarding in which Branch of New York area of XXXX is the Box in order to go directly and assure the existence of the box, in order my travel be profitability, I have been writing repeatability to the safe deposit boxes area of XXXX but unfortunately I did not receive any response, I am attaching these communications, so I am asking for your help in order to obtain the name of the Branch where are the box that my Great grandfather lend us in the last Century. 
According with the control of those years ( around 1920 ) the banks had different controls and I have the proves agreed between XXXX XXXX XXXX and XXXX XXXX cited in the instructions to collect the things lend in this safe security box, below I am citing some of the background regarding this saved things. 

Hereby I give you my broad power of attorney, and quite fulfilled, for me and to act in my name, to collect from the person in charge Mr. XXXX XXXX, the Ranch of my property called XXXX XXXX, located at XXXX, Texas, also collect a house and 4 vacant lots, located in front of XXXX XXXX Hotel from the town of XXXX XXXX, XXXX, that have been rented that house and vacant lots to the American citizen Mr. XXXX , with its corresponding furnitures. Collect from the XXXX XXXX XXXX, property titles of both properties. This delivering of documents will be made by the Bank at the moment of exhibition of this proxy attached with 3 photographs of me and the Ranch. 
And also to answer the claims and counterclaims against my behalf, opposes delaying and preventory exceptions, present all kind of proves, certificate signatures and documents, oppose to argues as false to those be presented as contrary, present witnesses, see protest to the contrary, ask and cross out, structure and solve positions, recuse higher or lower Attorneys for cause or under penalty of Law, hear interlocutory and final sentence, consent of the favorable and ask for revocation for otherwise empire, appeal, supplicate or interpose resource of cassation of the rivals, ask for clarification of sentences, execute, impound and represent me in the impounds declared against my person, ask for the auction of the assets seized, design proficient and recuse to the opposite part, attend to the auctions, develop this trial, receive securities and lend receipts and credit letters, submit the present trial to the judgment of the Judges, and also, to promote all kind of sues or plaint with the aim to favor my rights, endorsing since now all what you do regarding this issue.
Consumer complaint received 2022-08-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Patch Homes, Inc. dba Noah (CA)

I took out a loan from them in XXXX of 2021. I had a previous loan that the renegotiated with me. Since the one year from the first loan to the second, they had changed their funding formula. I went to great pains with their rep to make sure I understood this new formula, because it was different than the first. I wanted to make sure that it was comparable. They even created comps to show me how it compared to my old loan. How the total payoff was similar depending upon the loan amount. When I asked for a buyout amount, it was completely different. I'm including emails from the rep with these figures as well as the buyout offer and the contract. Let me know what you think.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Collections Enterprise, Inc. (VA)

We disputed this debt of {$200.00} in writing. We filed an earlier complaint XXXX, but the response was both unsatisfactory and inaccurate. The contracted amount was reimbursed by my insurance. Amcollect has ignored my requests to furbish proof of debt or to remove this from my credit reports.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. Equifax reporting late payments on multiple accounts ( XXXX XXXX XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Equifax violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

The company did not contact me about a debt they have in my name. The debt appeared on my credit report. The company is required to contact me about a alleged debt and give me 30 days to respond with any problems I may have with debt. The procedure is a FCRA rule and the company bypassed that rule and just placed the debt on my credit report.
Consumer complaint received 2023-04-05
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. (LA)

Fraudulent account : XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX Louisiana XXXX, XXXX XXXX XXXX XXXX, La. XXXX, XXXX XXXX XXXX XXXX Louisiana XXXX Fraudulent Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX