davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo closed my case without recovering {$3500.00} that was taken from my account without my authorization. The explanation given does not make sense. Wells Fargo did not recover a specific transaction from XXXX XXXX which posted on XXXX/2023. The reason given on the layout they provided is : " Denied due to timeframe and no recovery ''. Somehow Wells Fargo was able to recover {$3200.00} from XXXX XXXX which was taken from my account on XXXX2023. Wells Fargo also recovered {$10000.00} from XXXX XXXX which was taken from my account on XXXX23. These three fraudulent withdrawals were reported at the same time. All three fraudulent withdrawals had the same name identifier attached them. 

Wells Fargo recovered quite a few transactions which occurred both prior and after XXXX/2023. They have not provided a logical explanation for why this one particular claim was denied.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or DELETE the following accounts : 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 XXXXXX/XX/year>
Consumer complaint received 2024-01-18
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: SYNCHRONY FINANCIAL (NC)

I purchased a ring from XXXX XXXX XXXX XXXX  NJ... Shortly thereafter I looked more into the company and realized it was a scam and the business location was a house in NJ... I then reached out to the company requesting a refund multiple times. 

Once I got no response I attempted to make a dispute with my Credit card company Synchrony bank, not only do they not have a streamlined process to dispute charges they also are not in adherence with Reg E... I have heard no response from the bank on this front and have been charged late fees and accrued interest on the amount being disputed. 

To recap the amount charged on my Sams club synchrony bank card ending in XXXX was {$130.00} on XX/XX/XXXX I filed a dispute shortly after on there website after I had to fill out a form as requested and when I ask customer service ( which is all offshore I may add ) I cant get an answer. They also state they will circle back within XXXX business cycles and that is not true as we are past that time frame. To add I disputed this charge XX/XX/XXXXdays after it was posted on XXXX please see attached form for more details
Consumer complaint received 2020-05-10
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)

AFTER APPLYING FOR A HOME MORTGAGE, I WAS HORRIFIED TO DISCOVER THAT THERE WERE SEVERAL ITEMS THAT DID NOT BELONG TO ME. I REACHED OUT TO THE THREE MAJOR BUREAUS TO NO AVAIL AND ALSO TO THE COMPANY REPORTING THIS INACCURATE ACCOUNT. IT MUST COME OFF.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have submitted a report to the FTC regarding the unauthorized credit inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which are a clear violation of my consumer rights. 
I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LD Holdings Group, LLC (FL)

My association is not in a flood or hurricane zone. We currently have a XXXX XXXX XXXX  XXXX policy but it contains no wind. ( not required by association or state or federal govt. ) My loan servicer placed XXXX on my loan. I asked for proof of policy and they sent me a piece of paper with none of my information and no policy number or amount of policy or carrier. XXXX XXXX who is the owner of my policy only requires XXXX XXXX which we have. They are also insuring me for more than what my debt is. They also went back a year with out proper notice and added that XXXX also amounting to XXXX dollars. Attached below is what they sent as proof of policy. I did not redact this document. This is what they sent me.
Consumer complaint received 2020-01-14
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. (UT)

XXXX XXXX XXXX # XXXX is past the Statute of Limitations in Idaho, however it is still reporting to my credit. I no longer owe this debt and I would like it to be removed off of my credit report
Consumer complaint received 2024-02-12
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax

Data Breach here Is proof. I was a victim of Identity Th
eft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-12
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. (TX)

I submitted to all XXXX, Equifax and XXXX the same letter regarding the law. The letter that I sent expressed the misuse of my information through the fair debt collections practices act 15 USC 1692g violations. The woman on the phone for Equifax, a supervisor name " XXXX '' said " the law doesn't matter and whatever a company sends them they have to report to my profile. I'm very confused as to why they do not respect the law. What should I do now? Nothing has been changed.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I contacted Equifax via phone and US mail to tell them about an account on my credit report that did not belong to me. I was told that my confidential information was leaked during their data breach and that account was a result of identity theft. I have sent Equifax my letters with an FTC report documenting the data breach and fraudulent account and they have not done anything to help me. They keep telling me its verified but thats all, no proof provided at all. i know for a fact that account is not mine because i did not recieve any goods or services from that creditor and the creation of that account was not authorized by me. This inaccurate account is detrimental to my credit health and make my finances take a toll for me and my family. Doing further research I learned that there are FCRA laws in place to protect consumers from inaccurate reporting and XXXX is doing that, breaking the law! FCRA 605B ( 15 U.S.C. 1681c-2 ), FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting, FCRA 15 U.S.C 1681i calls for immediate removal of inaccurate accounts, Misleading False Reporting : All of these accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. I KNOW THAT I HAVE GROUNDS FOR A LAWSUIT BUT WOULD LIKE TO AVOID THAT LENGTHY PROCESS!! I beg you to please remove this inaccurate account!
Consumer complaint received 2024-05-06
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC (IN)

Here we go again. In XX/XX/XXXX, I cancelled a debt consolidation service with Americor for, among other things, failure to pay my creditors from the funds I was providing them in their debt settlement program. This led to a complaint filed with your office, referenced as complaint number XXXX, from which Americor provided your office with an outlandishly false response suggesting they in fact were paying my creditors as agreed, and they went as far as to suggest they would offer {$500.00} to me as a good faith gesture to resolve the issue. 

Unsurprisingly, while your office considered the complaint 'closed ', I of course never received Americor 's 'good faith payment ' as they misled you they would send me. But even more troubling is since that complaint I have received confirmation from one of my creditors that, as I originally outlined in my first complaint, Americor did not in fact pay my creditors as they claimed they did. 

One of my creditors - XXXX - provided me with a breakdown of missed payments ; three of those four missed payments ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) were payments that I made to Americor as part of their debt settlement program - however, XXXX - the actual creditor to whom Americor has falsely claimed they sent my payments- in fact did NOT receive those payments at all.

Americor reported to both myself and your office they made those payments, however evidence provided by one of the creditors themselves clearly shows Americor in fact did NOT make those payments, and instead pocketed the funds themselves.

This is yet another documented example that Americor failed to deliver the services they promised, then misled me about those services, then misled your office after I notified you in a complaint of their actions, and now further evidence supports Americor engages in willful fraudulent behavior and their direct and willful fraudulent misrepresentations to your office regarding same.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

Hello, The account under my XXXX  named SYNCB/XXXX  is showing that is still open. This account is suppose to be closed because it was included in my chapter XXXX bankruptcy that was discharged  XX/XX/2020. It is showing to have a balance of {$170.00} and a limit of {$250.00}.
Consumer complaint received 2024-02-12
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. (MD)

I requested from all three bureaus that they investigate the inaccuracies on my report. In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report.

The Credit Bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last reported is inaccurate, and the date last reported is not accurate? This is grounds for removal and they also violated my rights under 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 sECTION 604 A. Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-10
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. (WI)

I went to my bank to get a line of credit and they reported a social security is there is not mine as well 2 accounts doesn't below to me. 

I only used a ITIN # to paid and taxes is the only # I used for any bank transaction.I called transunion claim they can't see any account since I have an itin #, but I have the bank report show that information
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (MI)

My name is XXXX XXXX and I want to submit a claim against Seterus. On XXXX XXXX, XXXX my bankruptcy case was dismissed. Seterus sent me a letter in XXXX XXXX, XXXX before my case was dismissed which was a sign of harassment. I was advised by my attorney that once the bankruptcy was dismissed the " creditors '' would start contacting me, but Seterus never did. I decided to call them in XXXX XXXX to see what was going on and to see what my options were as to where my home would n't be compromised. The phone just rang.. Shortly after I was disconnected. This has been going on for a while. Eventually I went on the internet to send Seterus a request on getting some type of assistance to avoid foreclosure, but their address was n't on the website and it stated that they had a class action going on against them. Since I could n't get in touch with them I assumed they were either out of business or we no longer had any business. XXXX XXXX, XXXX I received a letter from Seterus ' attorney stating that my home would be going up for auction XXXX XXXX, XXXX. XXXX XXXX, XXXX I spoke to a representative of Seterus to see if I could try doing a loan modification and I also requested my original documents stating the business I have with Seterus. The following week, I called XX/XX/XXXX and the XX/XX/XXXX to see why the documents I requested were not sent to me yet. I was advised they ended up sending it to my bankruptcy lawyer after I informed them I no longer had an attorney and they specifically asked for my address to where I wanted my information mailed to which was my HOME address, not my former attorney 's address. Because of their mistake they advised that I should take off work and try to get things handled on my own time. I advised them it was a reason I needed my documents and modification application mailed to me, but it does n't seem like they were really trying to help me. I was also advised that one of my request for my original documents were denied and that they were going to send for the request again. Now, it 's no telling when I will be able to get this information mailed to me and they have my house scheduled for auction on XX/XX/XXXX. I attached recordings of me conversing with a few representatives on different days. PLEASE help me stop this auction I need my home..
Consumer complaint received 2021-01-16
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: Fidelity National Information Services, Inc. (FNIS) (NC)

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The Items I have identified and highlighted on my Chex System credit report. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-04-23
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. XXXX/XXXX  is reporting {$27000.00} and Equifax is reporting XXXX if you all are getting the information from the same collector why are the numbers different? this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. plz see attachment below
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00}.
Consumer complaint received 2016-08-09
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (DC)

On XXXX XXXX, 2016 I called Wells Fargo Bank to inquire about refinancing my mortgage to get a better interest rate. I initially contacted Wells Fargo because they have a special program for teachers as listed on the teachers ' union website. I wanted to get a loan estimate that I could use to compare and shop around with other refinancing offers. After talking to a Wells Fargo representative for over an hour and reviewing costs, he offered to send me a loan estimate. But in order to proceed, he said that I had to pay {$510.00} for a credit report and appraisal. I told him that I did not feel comfortable paying the money without having time to review the loan estimate first. It was early evening and he told me that the rate would not be guaranteed and that we would have to start all over if I waited until the morning to review the loan estimate. Against my better judgement, I gave him my credit card information for payment. I had more trust in the company since they were recommended by the union. In addition, my XXXX year old daughter had been crying about eating dinner and I needed to end the call, but did n't want to have to start all over again. The next day I still felt uncomfortable about the fact that they demanded so much money upfront without giving me the opportunity to review the loan estimate. I decided to call another bank just to compare numbers and they ended up giving me a loan estimate without any upfront payments and ended up being significantly cheaper. I realized at that point I had been lied to about having to pay the money upfront since the other bank made no such requirement to review the loan estimate. I went on the Consumer Finance Bureau 's website and it says, " You can be charged a credit report fee before receiving a GFE. But, you ca n't be charged any other fees until you get the GFE and indicate that you want to proceed with the mortgage loan. '' Wells Fargo did charge me additional fees -- the cost of the appraisal -- before giving me the opportunity of reviewing the loan estimate. By saying I had to give them money at that moment or else the loan estimate would be void, was deceptive and used to get me to go with them after paying such a large down payment. 

They also had the appraiser call me immediately to schedule an appraisal, which is another tactic used to prevent me from shopping around. I realize I made a mistake by not trusting my instinct, but these practices are deceptive and should be banned. 
As a result, I was charged {$510.00} even though I am not using Wells Fargo to refinance my loan.
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to address the late payments that are currently listed on my credit report. After reviewing my credit history, I have noticed that there are several instances of late payments reported for the following accounts XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX