davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd (CA)

This is regarding TransferWise now XXXX. 

After 5 years of having an active account in good standing and with funds in multiple currencies, my account was suddenly closed because of a security breach on their end ( since they changed their name and website/app to XXXX ), my money is not being returned ( more than {$5000.00} USD in Dollars and two other currencies ) and no one from customer support is able to offer any insight or resolution into this. I've checked multiple times with my bank and there have been no refunds to my checkings account from XXXX. 

I've been dealing with this issue for almost a month now. All they have said is to open a new account and enter again all info I had on my former account. Regarding my funds, they have no idea of how much it was nor account statements, and their team only says that " it should be refunded to my bank account '' emphasis on " it should '' but they don't tell me how much or when.
Consumer complaint received 2022-07-29
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. (NC)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2021-09-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I called Experians fraud dispute department on XX/XX/2021, around XXXX XXXX PDT. I spoke with a male agent named XXXX in the fraud dispute department located in XXXX XXXX. After I was fully authenticated, XXXX asked what I wanted to dispute. I told the XXXX I want to dispute two ( 2 ) hard inquiries because Im the victim of identity theft. XXXX then did an improper hold/transfer procedure. He transferred me to a different department without explaining why. I did not consent to being placed on hold nor to be transferred. He interrupted me with the transfer process. 
Then I was transferred to the membership resolution department for consumers who have a premium membership, however, I recently canceled my membership and do not want a resolution fraud specialist because they require a specialist to call me back in 24-48 hours. Why would I want to wait 24-48 hours to speak with a resolution specialist when I was ALREADY speaking with XXXX in the fraud department to file a dispute regarding two hard inquiries. The length of time to dispute two hard inquiries with XXXX would have been only a few minutes. I then called back and spoke to the fraud department and filed my disputes. I should not have to be required to call back to file a simple dispute a second time. This is unfair and abusive practices.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (IL)

XXXX sent me an email of the update they did to my Mariner Finance account after I filed a dispute because they had not closed the most recent loan that I refinanced and updated all. Now they are showing incorrect information on the old account they closed! They are showing me 30 days late in XXXX which is NOT correct! I refinanced the loan XX/XX/XXXX. The last payment Mariner took from my account for this loan which was refinanced was XX/XX/XXXX for {$740.00}. My payments were due on the XXXX and I made them on the due date or within the ten day grace period. So this was XXXX payment they took. My XXXX payment then fell due at the end of XXXX on the XXXX at which time I called to refinance because something came up and needed extra money. It took them several days to get back to me and to set up the refinance and we completed it on XX/XX/XXXX which is NOT 30 days past my due date of XX/XX/XXXX, but 16 days past my due date! I want this 30 day late removed from all three credit reports for this Mariner loan # XXXX which was the loan I just refinanced on XX/XX/XXXX to my new loan!! Why can't Mariner or XXXX be ACCURATE??? I also am sick and tired of trying five times to file my dispute, finishing the whole process then XXXX online dispute system saying something went wrong try again, this is deliberate retaliation for my contacting your office and they need to be fined for it!!! I want them to also contact XXXX and XXXX to update and correct this too!!!! And they also had a wrong old address XXXX XXXX XXXX listed for me, remove it, and my fathers phone number XXXX listed as one of my numbers, remove it, And my same name listed as an alias three times, remove them, And my employer the XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed four times, remove the duplicates!!!!! I want all corrected and all updated with all bureaus then I want a clean paper copy of my full corrected reports mailed to me from all three credit reporting agencies MAILED, not emailed!!!!! XXXX, incompetent people, they should be fired!!!! Shut these credit reporting agencies DOWN they do nothing but XXXX XXXX  everyone 's personal information, allow it to get compromised which is why there is so much identity theft in this country and try to make people look bad financially, they have no use or purpose, no value whatsoever!!! Millions of people like myself are having hours of our time wasted on correcting their XXXX  mistakes and the same goes for the finance companies, banks and businesses who are just as incompetent and can not report all correctly!!!! If I did my job the way they do I would be fired!!!
Consumer complaint received 2021-10-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

On XX/XX/ the sale of my property was handled by a title company. After closing I received a call from the title company telling me that i owed {$2000.00} to my previous mortgage company. I was not notified by the mortgage company as to the nature of the problem nor did the title company contact me as to a resolution to the issue. the previous mortgage company continued to harass me about paying the mortgage in full. Some time later in XXXX when applying for a new mortgage it was found out in a conference call between myself a potential new lender and my previous mortgage company that the title company failed to pay the correct amount the previous mortgage claims they quoted for pay off. the title company claims the amount paid is what my previous mortgage company quoted for pay off of the mortgage. the situation now is i am caught between the two entities and being told i need to pay my previous mortgage company {$1100.00} to have the previous mortgage paid in full. This situation was not created by myself. It appears a funding issue of some sort occurred between the title company and my previous mortgage company. i was lead to believe by the title company at closing that all was in order. This matter needs to be investigated and resolved with out me having to spend money on attorney fees. can you help?
Consumer complaint received 2024-09-05
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. (MA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (GA)

The account was on automatic payment for almost 22yrs I lost my check book and account number changed in bank On XX/XX/XXXX the total balance amount paid in full {$130.00} On XX/XX/XXXX the bank returned payment and card company charge me {$29.00} fee On XX/XX/XXXX I had a call with the agent and requested to reversal {$29.00} as one time credit and she gave me the balance amount to be paid is {$130.00} I made the balance payment of {$130.00} and was thinking balance is XXXX and did not check the online statements but she never removed the amount and {$29.00} it was showing on my account for past 2 months as I was due Due to the agents wrong communication and miscommunication issues I'm suffering from credit rating loss and I worked very hard to bring my credit to good standing and always respect creditors money - and paid on time or before time Due to this minor communication issue the credit really damaged big time and I'm suffering from mental stress Please let me know how do I go by fixing this problem and request your good self to guide me Thanks a million
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (CA)

I previously submitted a complaint about XXXX due to incorrect information about a previously settled loan causing my credit score to drop. I was issued a settlement letter and the item was removed from my credt. As of XX/XX/XXXX my experian score dropped 28 pts and XXXX/XXXX reported the loan with XXXX $ balance as 30/60days delinquent.
Consumer complaint received 2021-12-08
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. (FL)

Creditor has been reporting inaccurate information on all three of my credit reports. My scores has been dropping for months.I have asked debt of Education XXXX and all bureaus to provide me with information used to all theses alleged late payments to be posted FCRA 611 ( a ) ( 7 ) and neither companies has been able to do so within the last 120 days.I asked that these late payments to be removed immediately off my credit report.
Consumer complaint received 2024-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

In accordance with the credit report act, this creditor has violate my rights under 15 USC 1681 Section 602 state.

I have the right to privacy, under section 15 USC 1681 Section 604A ( 2 ), it also state a consumer can not submit an account information without my reading instructions under 15USC 1681 166 ( B ).

A creditor may not treat a payment on a credit card or Loan under an open consumer plan as late for any purpose.
Consumer complaint received 2022-07-10
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. (SC)

In accordance with the Fair Reporting Act, XXXX XXXX account # 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.
Consumer complaint received 2021-09-24
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021.
Consumer complaint received 2022-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XXXX, XXXX XXXX  a fraudster gained access to my USAA account and wired in {$5000.00}. Then they transferred money from my savings account to my checking account, and wired out {$6100.00}. I called the next day to dispute the unauthorized wire and assumed they would handle the problem. USAA attempted to recall the wire on XX/XX/XXXX. Even after securing my account with USAA with their security team, I had another {$5000.00} transfer from my checking account, on XX/XX/XXXX which left my account overdrawn ( - {$5000.00} ). They told me they would look into the issue but it may take up to ten days. Ten days later, and my dispute was closed though nothing was resolved or communicated to me. I had to issue a new dispute and a new wire recall to start the process again. I am now receiving official USAA letters to collect the money from my overdrawn checking account. It has been a month and they have not resolved the issue nor have they been helpful in communicating why my account was able to be overdrawn by {$5000.00}. Or why I am liable for an unauthorized wire and transfer? 

In short, someone stole my money and now USAA is asking me to resolve the insufficient funds, which I do not have since all my money was wired out.
Consumer complaint received 2022-07-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

Freedom mortgage processed an auto-payment that was due on XX/XX/XXXX of this year a day early on XX/XX/XXXX of 2021. Since that day, they have shown me as being one month past due because of a glitch in their accounting system. I am receiving automated phone calls weekly from them telling me I'm behind on my payments. I have spoken with customer service reps and managers XXXX total times. Each time they tell me I am current, their system made a mistake, and they are working to fix it. 
XXXX months now they have shown my account in loss mitigation. They refuse to provide me any updates in writing, give me status updates, codes, or any other information I can use to prove that I am up to date. Despite ensuring me over the phone each time that no action will be taken against me, they refuse to provide me with any proof I am up to date. Their website also contains no information on my account other than a page that says " Your account is in active loss mitigation ''. It doesn't even specify the amount past due. I have had my account on auto payment since they took over my loan sometime last year and have never missed a payment. 

My loan due amount changed on XX/XX/XXXX of this year due to escrow changes. Despite showing me in loss mitigation, my bills have remained consistent and the due amount has gone down.
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

While on vacation, my identity was stolen and used to loot my wife 's and mine checking accounts for {$110000.00}. The bank ( Apple Bank in XXXX XXXX NY ) said the transactions met their criteria. The never asked about these sudden and out of character withdrawals. The money seemingly went to a brokerage in Connecticut, who said it wasn't them. I have filed a deposition with the XXXX XXXX ADA who " following procedures. '' I hired a lawyer who hit a brick wall. I filed an IC3 with the FBI and called four times. No response. The complaint with the FTC ended with them " thanking me for helping built their statistics. '' FINRA got the Interactive Brokers in Ct to send a shot email saying someone tried to open an account in my name. They turned it down and never directly withdraw money, even as their name is all over the thefts. I just opened a claim with the FDIC, but we need all the help we can get. I have a pile of paperwork I can provide.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have had my account credit card with Capital One for 10+ years. Over the past 3 years when I have an issue with an online order that is defective, Capital One always sides with the merchant even when they are shown proof and documentation on the merchandise. I provided documentation to them between me and the merchant. They say they are not experts so I need to get a second opinion from another table maker with their letter head. They received photos and they still require me to take other steps, so my dispute is null and void, and I am left to pay hundreds of dollars for defective merchandise. So, that's some of the background. On or about XX/XX/2022, I was so feed up with them siding with the merchant, I requested for my account/card to be closed. I had paid them off in full 2 ways prior over XXXX dollars. I requested for closing the account, and for me with a preference of shopping online for almost everything, I had placed an order with XXXX for a printer and the ribbons on XX/XX/XXXX for {$140.00}. I was unable to set the printer up so I returned it, and the cartridges was an in-store item, so XXXX tried to credit the {$57.00} to the closed card. It was declined and kicked back. I contacted XXXX XXXX and they told me to call XXXX. I did and the next day, 24 hours later they were able to give me the credit for the cartridges on the closed card. The printer was returned via XXXX  to the third party vendor. They tried to issue the {$74.00} credit and it was declined due to the account being closed. On XX/XX/2022, I spoke with a Senior Representative in Customer Service by the name of XXXX. After being on the call for 30+ minutes, he said he could not refund my monies to a closed account. I asked him for a check or to place the credit on another Capital One Card. He said no, we have your monies and this is our business practice to be deceitful and scam customers. This deceitful practices has to stop and the FTC need to close Capital One down for this scam. 

XX/XX/2022, I am speaking with a representative name XXXX, and I was being told the same thing. After about 15 minutes the refund will post today and they will send me a check as the transaction will post today. I hope and pray the check for the refund arrives in about 10 days.
Consumer complaint received 2022-05-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (NM)

I paid my auto loan off in full in XX/XX/XXXX. After all the payments went through I received an email from the company saying that the loan was paid off and the title would be sent to me. I got the title and a letter from the company dated XX/XX/XXXX stating that the loan had been paid off. There is a signature on the title showing Release of Lien from Ally Financial dated XX/XX/XXXX. I logged into my account XXXX last time at the beginning of XXXX to confirm that my balance was showing XXXX, which it was. 

Starting on XX/XX/XXXX I started getting calls from Ally saying that my account was now overdue. I also got a letter in the mail from them asking for payment on XX/XX/XXXX. Other than my title in XXXX, I got no other letters, emails, texts, or phone calls from Ally in regards to my Auto loan. On Monday XX/XX/XXXX I called and was transferred around several times before finally speaking to someone who said that my loan was indeed paid off and that it would be marked as completed, I would not be bothered by collections any more. I am still getting phone calls saying that my account is overdue and demanding payment, all recorded with no option to speak to an agent. When I try to call their customer support and speak to person I am transferred around and eventually hung up on without resolution to my problem. I am now extremely concerned that not only will my credit score be affected by them claiming I have a late payment ( even though my credit report shows the loan closed ) but that I will have to deal with the company trying to repossess my car, even though it is paid off in full and I have the title. I can not get anyone at the company to give me a straight answer and am sick of being hung up on without ever getting any sort of resolution.
Consumer complaint received 2022-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (CA)

I filed a dispute with my current bank card privided by XXXX XXXX XXXX on XX/XX/2022 for an unauthorized charge of {$960.00}. I was told that i would have a resolution by XX/XX/2022 witch would be the 90 days it usually takes to have a resolution. I have been contacting them to get an update on my dispute since it has been 93 days now on XX/XX/2022 and still have t received any communication from them.