davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX I received a credit card inquiry for Wells Fargo/Dillard 's. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (MO)

According to the law, i, the consumer, am afforded maximum accuracy on my credit report. I reported that there were numerous fraudulent accounts and inquiries on my account with Equifax. According to 15 USC 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Equifax still has the fraudulent XXXX XXXX XXXX last four acct number XXXX reporting on my account.ans reporting fraudulent accounts information across the other 2 credit agencies. The updating Is fraudulent and different from XXXX. The date on XXXX is also fraudulent and I have disputed them too. This is clear evidence that this account is fraudulent and is reporting different information to different credit bureaus. Since the law demands that I have maximum accuracy on my credit report, I expected these be dropped. I sent screenshots of this fraudulent account reporting fraudulent information on different dates to different credit bureaus.
Consumer complaint received 2018-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was given a credit card in my XXXX year of XXXX school when I was just XXXX  years old through bank of america. I was briefly told about the benefits of the card then given a card with a {$700.00} credit line. Over time I was not able to pay the bill on time because, of my not many work hours and being so focused on school. By the time I knew it a collection agency was calling me during class, at home asking for me to pay {$900.00} for my bank of america credit card & I was young I didn't know who they were or how they got my number. I called bank of america to figure out the situation but, I found out my checking & savings account was closed along with having a red flag through XXXX XXXX  because, of fraud. Which was another shock I couldn't / didn't know how to handle properly. They told me after countless days of asking what happened that someone tried to cash a check in my name through the mobile bank of america app. That I had no idea about & explained to them various times, they told me that it would be taken care of but never was. I called but was told I would have to call XXXX XXXX and talk to them which I tried but had no response. Ever since those actions were taken place my credit has been bad. I haven't been able to open a new credit card to fix it or even a new bank account within a national branch. I am now XXXX years old I am married and have a XXXX months old XXXX. I own a business and work along in multiple other business as well in the advertisement and music. I have grown and now I'm trying to go back to correct all the wrong doing that has been done in my name on my credit still affecting me till this day in my decisions moving forward in life. 

XXXX XXXX XXXX
Consumer complaint received 2018-03-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Riverwalk Financial Corporation (NY)

I received an alert from my credit report from that a new account was opened in my name but I've never heard of XXXX XXXX XXXX. They came up on.y credit report and I want to dispute and find out who and what this company is and why they are reporting to my credit.
Consumer complaint received 2015-09-28
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MD)

I have been paying HHGregg through Sychony XXXXfor two years. Now it seems that I am at thebeginning balance since I purchased in 2013 XXXXSyncony XXXX is trying to make me pay over XXXXin interest, Also HHGregg sold me merchandise that wasnot working. Tried to return but tey would not take it.
Consumer complaint received 2020-09-11
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 am a victim of Identity Theft and Equifax is violating my rights under The Fairs Credit Act. I have faxed and mailed several documents to Equifax about fraudulent accounts, credit cards, addresses etc and they refuse to delete this information under the Fairs Credit Act. I have sent over my Identity Theft Report from FTC and IRS Identity Theft acceptance letter as well as statements, blocking letters etc. and they have refuse to remove this information from my credit report. XXXX   and XXXX  has already deleted these fraudulent inaccurate  information from my reports but Equifax refuses to. EQUIFAX IS IN VIOLATION OF FEDERAL LAW AND VIOLATING MY RIGHTS UNDER THE FAIRS CREDIT ACT UNDER SECTION 605b. 

Last certified mail to Equifax Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX was mailed on XX/XX/2020 via certified USPS mail and Equifax have not updated and block these inaccurate accounts.They have also block my online access to myEqfuiax.com and are not responding to my disputes and Identity Theft claim. Equifax is in continued violation of my rights as a U.S citizen under the fair credit act. 
XXXX XXXX responded to my request and verified that the account was a result of Identity theft and had to force Equifax to remove this account. There are still 2 fraudulent XXXX accounts that Equifax has refused to delete under the fairs credit act. If Equifax continues to violate my rights under The Fair Credit Act. I WILL FILE A LAW SUIT AGAINST EQUIFAX for DAMAGES FOR A NEGLIGENT VIOLATION if this matter isn't resolved correctly.
Consumer complaint received 2015-09-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I actually signed up for overdraft protection with BOA ; which to my understandiing meant that if you overdraft your account ; that you would be protected an the transaction would be paid. So on XXXX 2015 my credit card payment was deducted in the amount of XXXX. Which was fine ; because I assumed that the transaction would be paid ; and that I would have time to place my funds in my account by the XXXX of this month. However once again with BOA they never live up to what they present or state I really ca n't afford for this payment to be returned. I am fine with the overdraft fee that has occured ; because I had that all planned out to be repaid. I sware at this point I am so over BOA right now. The payment that should not have been paid prior to this one ; was and I had to file a claim, Now this payment I really didnt expect it not to. Help!! As BOA of america bites.
Consumer complaint received 2024-02-02
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. (MD)

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.

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 2016-09-26
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX used Bank of America for our business banking. 

We closed the accounts XX/XX/XXXX and paid the accounts in full in person at the branch nearest our XXXX XXXX location. 

Over the years we received a few calls in attempt to collect a debt and asked us for our personal information ( which we assumed was fraud ). 

After the second call from the debt collector I called Bank of America to look up my social security number and they confirmed that we did not have any due balances under my social security number ( in XX/XX/XXXX ). 

Today I called XXXX XXXX XXXX to resolve the issue once more and was informed that they have a due balance of {$11000.00} under my social security number that I do not recognize. 

They have no further information on the money other than they asserted that it is due in full. 

This letter is my formal complaint that I do not recognize this debt and that I will write XXXX XXXX XXXX a letter to cease contacting me about this fraudulent charge.
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Liquidation Services Inc. (IA)

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with ACCOUNT LIQUIDATION. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Consumer complaint received 2018-02-14
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. (OH)

Applied a credit card for common use and travel reward through XXXX XXXX to XXXX XXXX. Never received card, so complained but still could not get 2-3 months. But I got bill of {$69.00} for no reason just their fees. Call and closed account but balace still remain and kills my credit. After couple of tries, account has been closed but customer service can't help anything.
Consumer complaint received 2015-06-11
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo holds my mortgage on my home. They recently did an escrow analysis in XX/XX/XXXX for period XX/XX/XXXX thru XX/XX/XXXX and notified me on XXXX the XXXX that due to an increase in insurance and tax payments, that my escrow amount needed to increase and this would be effective XX/XX/XXXX. On XX/XX/XXXX I received ANOTHER notification of another escrow analysis and for some reason Wells Fargo made this for period XX/XX/XXXX thru XX/XX/XXXX and notified me my escrow increase was now effective XXXX XXXX - NINE DAYS EARLIER THAN THE NOTIFICATION!! I was given NO NOTICE for this increase - in fact the statement they sent me was dated XX/XX/XXXX - the day AFTER the increase was EFFECTIVE. are n't I entitled to REASONABLE NOTIFICATION FOR ANY ESCROW INCREASE???? THEY DO N'T SEEM TO THINK SO
Consumer complaint received 2022-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OR)

My girlfriend and I were denied for an apartment application because there has been a false claim made on both of our credit reports indicating that we owe {$680.00} to XXXX XXXX Apartments. This information is false because a ) we have paid off the last of our rent and b ) we never collected our {$500.00} deposit. And when we left there was nothing in writing given to us by XXXX XXXX Apartments stating there was a remaining balance due. So with this going on we have now become XXXX step closer to becoming homeless because of this false claim. And when we went to investigate the claim XXXX credit reporting companies have no record of this claim and when we finally called Experian Credit Reporting, we could n't get a hold of an operator for hours of retrying and retrying different selections in the call menu. So now here we are and this complaint is going out on both XXXX XXXX XXXX and Experian Credit Reporting.
Consumer complaint received 2016-07-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CL Holdings LLC (AR)

Despite the statute of limitations having expired in XXXX 2014, XXXX continues to publish derogatory reports to the Credit Reporting Agencies. Their collection agency, Jefferson Capital, has been told that their claim is time-barred, and they can no longer collect, but they continue to publish negative reports in an attempt to defame my credit.
Consumer complaint received 2020-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (GA)

I contacted this company in writing on XX/XX/XXXX to validate this debt by providing evidence that this debt belongs to me. I requested a signed contractual agreement from this company showing that I agreed to pay them and instead they never responded but keep verifying the alleged debt with XXXX. Also, this alledged unknown debt has passed the Florida Statute Section 95.11 limitations to collect on an unknown debt. Based on my credit report, this debt was assigned back in XXXX.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (NJ)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Noyes Law Firm P.C. (ID)

Company sent information about debt to wrong address. I was never notified and when I checked my credit saw they were on my report. Contact them to pay off and they have a pending lawsuit but I was never given a chance to dispute or pay before lawsuit was filed. When I tried to pay they now demand attorney fees in the amount of {$600.00} when the debt was only {$640.00}.
Consumer complaint received 2016-12-16
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Until approximately 2 years ago I believed that in XXXX of XXXX. I had purchased a manufactured home on a lot that would qualify for FHA financing. I was forced to stop making in payments in XXXX XXXX because of a job loss. After several years of trying to figure out why B o A refused to assist me with my very deeply underwater mortgage, I filed suit against Major Mortgage with B of A as successor in interest for appraisal fraud when I discovered that my house had been moved from where it had previously been lived in ( in violation of XXXX underwriting guidelines ) and that the appraisal was fraudulent. Several investigational activities were conducted and it was later discovered that the original title report was performed only on the lot and did not include the house. This issue was not part of my original suit. Additionally, I discovered that the State of Nevada performed an investigation in XXXX and determined that Trust # XXXX with XXXX XXXX, and XXXX and XXXX XXXX XXXX as beneficiaries did not own the house. They in fact never owned the house as claimed at the time of the alleged " sale '' to me. This issue caused the State of Nevada to have XXXX XXXX hire XXXX XXXX XXXX XXXX to find out who the actual owner of the house was at the time of sale in XXXX of XXXX. This was required so that the state of Nevada could complete the process of converting the property together with the home as real property. I was never notified of this investigation. 
On XXXX XXXX, XXXX the State of Nevada Department XXXX issued an Erasure Affidavit stating that " ... XXXX was not the owner '' as the house had been repossessed. '' It seams that a XXXX XXXX XXXX XXXX was still the owner of record with XXXX XXXX as lien holder. This remained the case until XXXX of XXXX when title to the double wide was finally transferred to me. This appears to be a clear violation of XXXX rule stating that the " ... sale of a property must be from the owner of record and that the transaction must not involve any sale or assignment of the sales contract. '' Bank of AmericaXXXX Foreclosure Services filed a Notice of Default on XXXX XXXX XXXX against a mortgage contract that does not exist due to the fraud committed by the seller and as per XXXX XXXX regarding the voiding of conveyances made to defraud prior or subsequent purchasers of real estate. The filing of the NOD as well as the fact that they are ignoring my Notice of Rescission ( based on the lack of legal conveyance of the title to the house at time of " sale '' -- you ca n't legally sell a house you do n't own ) dated XXXX XXXX, XXXX is a clear indication that B of A and XXXX have no regard for the law and hope to profit against the frauds committed against me. 
Mediation was conducted in XXXX, XXXX XXXX XXXX XXXX, XXXX. The local attorney contracted by XXXX XXXX ( foreclosure mill ) the day before showed up without a copy of the appraisal and without the authority to negotiate anything, but with an utter disregard for the facts regarding this case.
Consumer complaint received 2020-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (GA)

I contacted this company in writing on XX/XX/XXXX to validate this debt by providing evidence that this debt belongs to me. I requested a signed contractual agreement from this company showing that I agreed to pay them and instead they provided me a statement from XXXX FL XXXX XXXX. This statement does not prove that this is my debt nor is it a form of validation. Also, this alledged debt has passed the Florida XXXX XXXX XXXX limitations to collect on an unknown debt. Based on my credit report, this debt was assigned back in XXXX.
Consumer complaint received 2020-10-19
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. (NY)

I have notified the XXXX bureaus a few times that i am a victim of identity theft. The account that is on my FTC report belongs to someone else It is listed on the my credit report but belongs to someone else
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received my credit score for free, but agreed to pay {$1.00} to receive the physical report. 
About a week later I was charged {$17.00} and contacted my bank to dispute it only to find out that I had been charged a monthly recurring charge of {$17.00}. I was able to dispute it through my bank, however, it has caused me to cancel my debit card, order a new one, and change all of my direct deposits, automated bill pays, etc.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My capital one account was restricted as of XX/XX/XXXX. After being on the phone with capital one on XX/XX/XXXX, I was informed my credit card account was closed because they would not accept my payments from certain reputable and popular bank accounts, and was giving the reason of insufficient funds. They would only accept it from two specific accounts. I have tried to put over {$500.00} on my account to meet payments, after making payment on the app it registers as going through only for it to return a few days later. I did not receive an email, no notification in the app, not even a letter mail stating my account would be closed. They told me that my account was closed over a week ago and mail was sent out, to which I did not receive. Now they are saying I owe the money that Ive been trying to pay off, while already closing my account and telling me theres nothing that they can do, and wont even help me.
Consumer complaint received 2015-08-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (FL)

Experian credit needed to take off XXXX collection items off the credit report that were paid in full showing on credit report dated XXXX/XXXX/15. XXXX contracting services/XXXX in the amount of {$1300.00} and XXXX hospital in the amount of {$900.00} were paid in full and are still showing on another credit report dated XXXX/XXXX/15. And again on XX/XX/2015.Experian also brought me credit score down XXXX points after paying off a medical bill in full. I ran my XXXX XXXX report from the XXXX website XXXX times which cost me {$16.00} to {$20.00} each time the report was printed. The reports included XXXX, Experian and XXXX credit reports and scores for all credit reporting agencies. The only company that is reporting correctly is XXXX. Experian and XXXX are not being regulated by anyone at all. Help Me XXXX XXXX.