davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

BOA Visa Alaska Airline has been double charging my account when I log into my online account and manually pay toward my monthly autopay balance after which the full autopay balance is debited without a credit for the manual payment made before the monthly auto-pay date. That is the manual payment on their website says " Pay and Transfer '' rather than " Pay My Credit Card '' after which this payment was never credited to the balance due on my monthly bill. 
I called an agent at XXXX on XX/XX/XXXX who claimed that I was not double charged, but then offered to refund two transactions where these charges were not credited to my account. She claimed it could take up to 2 months for these funds to be deposited back into my account.
Consumer complaint received 2024-05-23
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. (CA)

XXXX XXXX, XXXX. Account Number - XXXX. I just got a copy of my credit report. To my surprice, You are reporting this account incorrectly. This Collection account is reporting not only reporting as XXXX, but also shows a past due balance of XXXX dollars. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Consumer complaint received 2023-11-02
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received a credit alert that Capitol One pulled a credit report today, XX/XX/2023. I have not authorized Capitol One to pull my credit report NOR have I applied for a credit card or loan from them. 

I've called all three credit report companies : XXXX, XXXX, and XXXX to freeze my credit reports and to report the fraud. 

I called Capitol One who said they don't have a credit card open in my name or social security number. I asked why they pulled my credit report. They said they had no idea and that I should alert the credit reporting agencies. 

The credit agencies tell me I need to have Capital One send them a report that says it was unauthorized so they take this off my credit report. 

This is a circular issue, and I need the action to be removed from my credit report.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, I wired {$92000.00} to the Chase account I thought had come from the legitimate contractor we were using and didnt realize we had been spoofed. 

On XX/XX/XXXX, I wired another {$67000.00} to the same Chase account per the two invoices that were due. I received an e-mail back from the fraudster saying thank you wire received. 

At this point I had wired {$150000.00} to the fraudsters account at Chase thinking I was wiring to XXXX XXXX  per my instructions to the banks. 

Our bank, XXXX XXXX verified my wire requests by calling me and I confirmed both the account number the routing number and the name on the account as XXXX XXXX XXXX. 

We believe that Chase did not follow proper Know Your Customer Rules by failing to verify customer identities to prevent fraud, establishing a risk profile for each customer at the outset of the business relationship with them is a key component and continual monitoring of customer transactions standards to detect suspicious activity. 

This account should never have been opened by Chase in the first place and funds intended for Puffin Builders should not subsequently have been delivered to it.
Consumer complaint received 2024-05-25
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. (MI)

I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting.
Consumer complaint received 2024-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting.
Consumer complaint received 2017-12-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

To Whom it may concern, On XX/XX/XXXX, after submitting 2 years worth of documentation, we were delighted to receive a letter from Nationstar mortgage that my wife and I were approved for a trial modification. The letter stated that if we made 3 consecutive payments we on time, we would qualify for a permanent modification. We signed the agreement the following day and sent a check for the agreed upon payment. We made certain for the subsequent 2 months, we made the next two payments on time as agreed. I even wrote on all 3 checks that by depositing the checks, they are agreeing to the terms of the modification as well, just to be safe. 

We had not heard anything from Nationstar Mortgage or received documentation for the permanent modification. On XX/XX/XXXX after we complied with everything Nationstar requested including making 3 consecutive payments on time, they sent us a letter that said the funds were applied incorrectly. We tried calling several times to find out what this letter meant and they would not give us any information as to why they were not honoring their agreement that they had given me in writing. 

Shortly after, they sent me a check totaling 2 of the payments I sent. I called and asked why they only sent two payments back and kept one and they would not give me an answer. 

I then proceed to call XXXX XXXX of the firm XXXX XXXX, that was representing Nationstar and he was nasty and told me I never got a modification, even though I told them I received a letter from Nationstar. He told me to just rip it up because its invalid. 

I have been lied to, deceived, and mistreated. I have a document in writing that i complied with and Nationstar didnt honor. I want to put in a formal complaint with Nationstar Mortgage as well as XXXX XXXX. 

Thank you XXXX & XXXX XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX in XXXX of 2022 put on my Transunion credit report that I owed them XXXX dollars I asked Transunion to dispute this frivolous item on my report and the next day Transunion said it was validated less than 24 hours later I than disputed it again asking for the verification of this information that validated this debt and I received nothing but that less than 24 hours again it was validated. This is unfair and prejudice credit reporting. Also, this period was during COVID 19, and it took me some time to notice the inaccuracy because I was sick in the hospital with covid and had a loss of income. It was not for a couple of months after regaining my health that I noticed this was on my credit report. 

This is the account XXXX XXXX
Consumer complaint received 2023-11-14
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. (VA)

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 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

I have been a customer for over XXXX years and this bank closed my account after I reported fraudulent charges they were charging me over the years. They never credited those charges. After they closed my account I have a money due bac however it's been months and they still haven't sent me a check for the amount they owe me. I have reached out to Office of Comptroller and they told me if this isn't resolved to reach back out to them. 

What they have been doing is illegal and I reach out to FTC and Office of Comptroller if this isn't resolved. I don't know how this bank that is regulated can get away with such fraudulent and illegal activity.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

FCRA 605B stipulates that any incorrect accounts must be taken off my credit report. This account is wrongly reported, so please remove it. I am entitled to {$1000.00} for every inaccuracy on my credit file.
Consumer complaint received 2024-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Central Portfolio Control Inc. (FL)

The email was sent on XX/XX/year>, at XXXX To : XXXX & XXXX I sent an email stating that I am requesting that you provide verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed.
Consumer complaint received 2024-06-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mortgage Research Center, LLC (AZ)

I had a forensic audit completed on my mortgage, and the fraud was there. 

I sent the documents to XXXX, my loan servicer, and they came back with a letter that said this : " My review of your loan confirmed your aIIegation of fraud, found no evidence of suspicious activity on the part of XXXX and determined that your allegations are unfounded and without merit. '' XXXX confirmed fraud in the mortgage, and still demands payments I can send all of the pdf files to you for perusal at your convenience.
Consumer complaint received 2023-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (NC)

15 USC 1681c2 A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 

I need these accounts remove immediately. These are not my accounts and do not belong to me.
Consumer complaint received 2023-11-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

We were forced into financially disparate conditions last fall. We knew we were moving from XXXX  back to our home in XXXX. We chose to place the XXXX  home in forbearance, because we were going to sell in the spring of XXXX. 

The market conditions are difficult to sell, and our real estate agent recommended possibly doing a VA assumption, since our loan interest rate was only 3.5 %. 

Called the VA to ensure a loan in forbearance could be assumed, VA gave us confirmation that we could. 

Called the lender, NewRez / Shellpoint, and they confirmed that we could do an assumption while in forbearance. When we applied for the opening of the we received an email from the lender that the loan was approved to move forward as an assumption. 

We have gone under contract with a buyer, but the assumption process has been difficult and has caused significant difficulty in our transaction. Due to the friction with this transaction, the buyer has now notified us that the may file suit against us.

I need help getting this rigid process back on track.
Consumer complaint received 2024-05-25
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. (DE)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-08-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Facts - This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession. All is being investigated by the FTC
Consumer complaint received 2024-06-21
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. (SC)

On XX/XX/year>2024 I got a copy of my credit report and noticed that there was some accounts listed fraudulently and inaccurately. I have notified the consumer reporting agencies to start an investigation because these accounts do not belong to me. I never received a response and that is a violation of the FCRA and FDCPA. I have never conducted business with these companies nor have I ever entered into a consumer contract and I believe that the furnishing of these accounts violates my rights as a consumer. These are the accounts I am referring to : XXXX XXXX XXXX XXXX Also I was never late on this account XXXX XXXX so I should not have any late payments reflecting on my report. I have provided screenshots of the XXXX account being deleted from all 3 reporting agencies and somehow is was placed back on without my knowledge. I have also included my FTC complaint along with my Identification to support my claim.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened an escrow acct with XXXX  escrow agency in XXXXXXXX XXXX to fund the XXXX XXXX  for my husband and myself. 

It has taken us almost XXXX years to find a XXXX. I received an alarming email from the XXXX XXXX ( the owner of XXXX ) about fraudulent activity in the agency 's Capital One acct. Naturally, I was very concerned and emailed my contact there and received no response. 

I then emailed XXXX XXXX personally to request the withdrawal of all my funds in my account and I received an email saying " Due to legal action, I regret to inform you that all operations have been placed on hold. At this time, I am unable to provide further details regarding this matter. '' No activity is available to acct owners through the online portal. Many of us account owners are concerned about whether our funds are still in our account since there appears to be strong evidence of misappropriation/mishandling of funds or even embezzlement. 

I have called and emailed XXXX repeatedly to get my money out with no response at all. I urge the CFPB to investigate XXXX and XXXX XXXX to get to the bottom of this.
Consumer complaint received 2024-05-25
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. (FL)

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 2024-06-21
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.