davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
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: Flagstar Bank, N.A. (AZ)

The home located at XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX, was sold on XX/XX/2021 and the loan balance was paid in full to the mortgage originator XXXXXXXX XXXX  ( Acct # XXXX ). Deed of release and reconveyance and paid in full letter attached. 

Somehow, the mortgage got transferred to Flagstar bank after the sale of the home and Flagstar bank has been reporting this account as delinquent ( 120 days past due ). I filed a credit review request with flagstar bank and they sent me the attached letter saying that they can not update my credit report. I have contacted XXXX and they say that flagstar bank has to report the correction even though I have submitted the documentation showing account closure. 

The mortgage was a joint account ( XXXX XXXX XXXX XXXX XXXX ). XXXX removed the account my ( XXXX XXXX ) credit report, but has not removed it from my wife 's ( XXXX XXXX ) credit report.
Consumer complaint received 2021-11-08
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. (OH)

I have 3 inquiries that I command to be removed from my credit report with TransUnion. TransUnions policy doesn't supersede federal law. They are reporting information on my report that is inaccurate and the result of identity theft. 
15 USC 1681C-2 ( A )
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: E*TRADE BANK (PA)

My E*Trade debit card connected to my E*Trade checking is frozen. 
E*Trade does not have viable phone numbers, email address, chat access. XXXX for my calls advice a wait of over an hour and then not answered. Calls to their branch offices are answered with this message, " Branch offices are closed due to Covid. '' E*Trade chat is closed. I have tried email. I have been trying to solve this problem for over a month. I have automated payments for both my individual bills due and my business have been rejected and online payments have been denied. 

Please advice.
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have notified trans union 3 times about this same issue but they refuse to do their job. I notified them about XXXX XXXX card services, and XXXX XXXX XXXX XXXX This is Fraud and they refuse to remove this. 

I have contacted trans union 3 times about this same issue but they refuse to do their job.I notifies them about, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX There is only XXXX that has a actual phone number and address which is XXXX XXXX XXXX and they said that this is not there problem. No one has proof of any action that I approved of any of these hard inquiries. All of these are fraud and Trans Union refuses to do there job and remove these. Please help they have cost me alot of money in the past years and no one seems to be able to help.
Consumer complaint received 2022-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (NY)

received a debt collection letter XX/XX/XXXX from dynamic recovery solutions re a debt owed to XXXX. I currently have an acct with them but the acct number on the letter is not my acct number for do I have a balance with them. I called XXXX on XX/XX/XXXX to confirm no debt was owed and referred to their fraud dept where again no debt is owed. I called dynamic recovery solutions on XX/XX/XXXX to tell them I do have an acct with XXXX  but there is no balance as confirmed by XXXX  as well. I asked for the original contract with a signature, creditor information, payment history on the acct and proof of ownership. The man I was speaking with said they don't have that information. I proceeded to notify him they have 30 days to provide requested information. After researching this company it seems they are a scam of a debt collection agency trying to defraud people of debts they don't owe or debts that have expired under the statute of limitations.
Consumer complaint received 2022-08-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CT)

I closed on a loan with Rocket Mortgage, for the purpose to payoff credit cards, At the time of closing, Tuesday XXXXXX/XX/XXXX, they informed me that funding would take place 3 days after, that would be Friday, Then Friday Mortgage agent XXXX XXXX informed me that the 3 days had to pass and that since it fell on Saturday that it would not take place until Monday. Checks to pay individual credit cards would be delivered via courier, which could have been done saturday. 
As of today Monday XX/XX/XXXX, there is no funding and all closing papers have been signed All the information has been misleading
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On XX/XX/2021 I attempted to transfer {$500.00} from my Bank of America Account to myself via XXXX. I was using the Mobile APP on my phone. I selected Myself form the mobile app for the funds to be sent to myself. The account that I selected has my name and mobile number on it. After I selected the account for the {$500.00} to be transferred to myself, I received no confirmation of my transfer and I waited. I then went back to my bank account via the mobile app and noticed that the phone number on the XXXX account listed on my account was XXXX. My correct number is XXXX. I immediately contacted Bank of America via the phone number listed that is located on their website. I was told that in fact the funds had been transferred to the XXXX number and that I would need to file a dispute and they transferred me to a representative. The representative took my information and gave me a claim number. She advised me that it could take 10-45 days to resolve the dispute and get my money returned to me. I called the phone XXXX number to try to contact the recipient and left a message describing what had happened and that the funds were sent in error to that number. I called Bank of America back the next day and was told that the funds were deposited into a Wells Fargo account and the they had the name of the person who received the funds. I was told that even though they had the information and they new the bank and person, I would still have to wait 45 -90 days to find out if I could get my money back. I received a notice on XX/XX/2021 from Bank of America stating that the transaction had been looked into and it was determined that the the transaction was valid and that no credit would be issued to my account from Bank of America. The letter further stated that " as a courtesy '' they would look into it and try to recover the funds for me but that it could take up to 45 days. They will not guarantee that my money will be returned. 
My complaint is that I believed that this XXXX service was a " safe '' way to transfer my money. Bank of America states on their Mobile App that XXXX is a " safe '' way to transfer money. However, it is not. I believe someone " hacked '' into my account and changed my phone number that XXXX used. My phone number in the Bank of America account is correct. However, when I went to use XXXX for some unknown reason that did not populate my correct phone number and instead used the XXXX number. I have made several attempts to call this number and no one ever answerers and never returns my phone calls. I believe that Bank of America should credit my account because they did not protect my account with from scammers XXXX. They are false advertising by stating that XXXX is a safe way to transfer money and I believe my account was hacked into and someone changed my phone number.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXXXXXX 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 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 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received a credit card from Bank of America in amount of {$12000.00} limit. I did not apply for this. On the same day I opened this mail, XXXX XXXX, I also received notification of request for mail forwarding by USPS that I did not make. 

I contacted Bank of America and credit card was cancelled. I contacted XXXX who put a 1 year fraud alert on my account and notified the XXXX other credit bureaus. Postal Service informed as well I contacted Social Security Administration that instructed me to Federal Trade Commission and thus to this site
Consumer complaint received 2021-11-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (AZ)

It is my understanding that it is illegal park ie claiming an old debt as new. Per the fair credit reporting act. 
This is what occurred. The original date of the debt was XX/XX/XXXX - There was an attempt to collect the debt on XX/XX/XXXX. The debt was then sold not sure of the date. Sold to Debt Recovery solutions LLC. At this time they sent a notice XX/XX/XXXX. 
They also claimed it as a new debt on my credit report. The notice had a discounted payment of {$760.00} in which I paid. My complaint is for the re aging of the debt, which altered my credit scores by a very large amount.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been facing difficulties in obtaining credit due to a previous fraud alert on my account. I contacted all three credit bureaus on XX/XX/2023 and requested them to remove the alert. However, when I applied for a line of credit with Capital One on XX/XX/2023, they rejected me by telephone conversation saying that they could not access my file. I called the bureaus again and they assured me that there was no problem with my account.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

Inquiries listed are unauthorized inquiries that I have no knowledge of. I have called each company and the credit bureaus for help with this matter, to no avail. I believe these inquiries and misinformation is affecting my credit score and it is affecting my ability to obtain credit with other companies. I would like these inquiries removed from my report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

{ ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX. 
ACCOUNT XXXX ACCOUNT TYPE : CREDIT CARD ACCOUNT BALANCE : {$160.00} ACCOUNT OPENDED:XXXX Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a f ormal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Consumer complaint received 2023-03-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (AZ)

On XX/XX/XXXX I sent a deposit to a cat breeder for a maine coone cat. I found the group on XXXX, contacted the seller XXXX XXXX, she vetted me and answered all my questions. I sent her half, {$600.00}, of the {$1200.00} that was the agreed upon price of the cat with delivery. 
On the day the cat was to be delivered, XXXX XXXX, she messaged saying her child was in the hospital and that she would be a transport service. She informed me they would reach out soon with tracking information. I received a text message with invoice, tracking, and the website to track the cat. I then get a text message from the company stating I need to pay {$500.00} for a temperature controlled carrier, and that the funds would be refunded upon delivery. I was hesitant at first and contacted the seller, she reassured me that I would get my money back at XXXX when the cat was delivered. So I paid the {$500.00}. A few hours go buy, and then the transport company texts me I need to pay another {$450.00} for insurance. At this point I let them know that I would like to cancel and that I will not be paying any money. They contacted the seller, where she proceeded to call me a liar and say I needed to pay. I did not. Than we came to an arrangement of me paying {$100.00} and her {$350.00}, once I paid, her profile was immediately deleted. The tracking number I was given, was no longer valid. And neither is the website or phone number. 
I have been fighting with my bank to prove this was a scam even after sending them all the screen shots of the conversations. They keep denying it saying I paid friends. When i asked to see the documents they used in their decision, it is not any of the documents I sent them.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

Ive sent two letters prior to ALL 3 credit bureaus in regards to fraudulent accounts on my credit that I've been working to get removed and have yet to get any result sufficient for this situation. 

I would like for the reporting agencies to please investigate and remove also Update my credit report. 

The issue is that fraud should not be allowed but even more once the fraud is noticed and I've requested that these matters be investigated the bureaus are not taking the diligent approach as they did when they reported and allowed the fraud to be there. 

these are the current reporting accounts that are fraudulent and I would like removed : XXXX XX/XX/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 XXXX
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OK)

On the XXXX of each mouth I have a credit score, it is over 800 every time. About 10 days later my credit score closes to XXXX. I have called and emailed Experian over and over for a year, with the same generic reply every single time. I tell the its a problem with their programming. But still they dont fix it. This has became a financial burden and needs to be resolved. Any help will be greatly appreciated. 

Thank you, XXXX XXXX XXXX.
Consumer complaint received 2022-03-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I has come to my attention, that XXXX XXXX XXXX has transfer an account to XXXX XXXX XXXX. Immediately after I have put them on notice of Identity Theft. See FTC report XXXX XXXXXXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct XXXX XXXXXXXX, balance {$170.00}. Without first verifying the information they have on file. How can I verify information that doesn't belong to me?

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2022 I went to the ATM machine right outside the front door of a Wells Fargo bank branch to deposit a check. The ATM took the check into the receiving slot and then displayed a message indicating some sort of error. It indicated the check could not be processed OR returned (! ). I immediately went inside. The teller I spoke to said the check probably could be retrieved. When I asked for that, the manager took over. She went into the secure area accessing the ATM from inside, took about 10 minutes and then came out and told me " there are too many checks to look through ''. She told me to open a complaint with Wells Fargo, she was not at all helpful and was even hesitant to give me the phone number to make the report, which she finally did. I asked for a staff member to be with me while I placed the ca in case the people at the complaint phone number needed information I might not have - she said no staff person was available as they had appointments coming in - but two staff people were free. 
Since then I have been contacted multiple times by various Wells Fargo staff, by phone, emailand regular mail, never requesting additional information simply saying, " We're processing your inquiry. Thank you for your patience. '' On XX/XX/XXXX I received a letter indicating they had processed a " provisional deposit '' for my checks amount of {$2000.00}. 
Today, 6 weeks since the ATM error, I received a letter stating, " no error has occurred '' and that the " provisional credit '' will be deducted. 

I am beyond upset and so disappointed about this. I know what happened. For Wells Fargo to tell me " no error occurred '' is incredible. 


I find it so upsetting to think about the consequences of something like this had I been in desperate need of the money for rent or bills or if I was less able to pursue my complaint. 
I also worry what I would have done had the ATM not been located right outside the branch office or if the bank has been closed. 

I've been told by Wells Fargo that I should have the check reissued. I think that was their game plan all along - to wait it out until I gave up on them and had the check reissued.