davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

My husband and I have been trying to obtain payoff information, including payoff amount and how to safely payoff a mortgage of over XXXX in full. I went to the website of the company, Loancare, in late XXXX and filled out their online form requesting a payoff as of XX/XX/XXXX. I received no acknowledgement. Although our intention had been to pay off the loan before the next payment was due, the inaction by Loancare resulted in our having to pay our monthly mortgage, and cost us over XXXX in interest. On XX/XX/2020, I submitted a second request for payoff information. The company responded that they needed a signed request. The online request system did not indicate that this was the case. I tried to call their " help '' line, and on the first day I left my number, but was not called back, so 2 days later, I called again and was put on " everlasting hold ''. On XX/XX/XXXX, I scanned a signed request to the online request system. I received a response indicating that I would have the information within 3 business days. I have yet to hear back. We contacted the company that originally processed our loan, and they provided us with a form that we filled out and signed to be sent to Loancare on XX/XX/XXXX. In the meantime, we have had to pay yet another mortgage payment, including over XXXX in interest. Again, I have yet to have received any acknowledgement from Loancare. Because Loancare appears to be on online company with no brick and mortar presence, we have no place to go to address this issue  face to face.
Consumer complaint received 2022-06-02
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. (NJ)

In accordance with the Fair Credit Reporting act, XXXX XXXX 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 2021-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On Saturday XX/XX/2021, I tried making a payment on my card using capitals ones website and the app but for some reason it identified that I dont have any acccounts to service at this time. This affected me so much due to the fact that it is XXXX XXXX weekend and I needed to make a payment on my account to use my credit which is a XXXX given right that shouldnt be deprived of. I dont why my account would be removed from their online database as online banking is an important role in todays society. I wasnt able to purchase food and gas through my card. I suffered damages of having to borrow money from someone else with interest applied. I dont understand how capital one could make an error and not inform me this act is devastating. XX/XX/2021 I called capital one to ask them why my account has been deleted from the online database without my request or informing me. I was told I would need to re enroll again to continue my online banking as I did before. This is a disgrace to me the consumer and even if capital one isnt aware of this computation error they are still liable for damages under 15 USC 1693H. Thank you so much Consumer Financial Protection bureau for protecting my rights.
Consumer complaint received 2022-12-29
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. (TX)

I sent a letter on XX/XX/22 to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX .... Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-05
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. (PA)

I submitted multiple disputes and an FTC report regarding fraudulent hard inquiries on my credit reports. 

Transunion : 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/XXXX
Consumer complaint received 2021-09-05
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. (PA)

I submitted a dispute as well as an FTC report for fraudulent accounts listed on my credit report. There is one that still has not been removed. 

Experian : XXXX XXXX XXXX {$340.00}
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to FCRA 605B, it's necessary for us to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts contain inaccuracies in their reporting.
Consumer complaint received 2021-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Solomon and Solomon, P.C. (NY)

On XX/XX/2021 I paid off an {$800.00} debt to Solomon and Solomon for an old utility bill with XXXX ( See attached proof of payments ). After paying the debt off, the debt reappeared on my credit report with a different debt collector. This debt has been paid and I do not owe {$800.00} to XXXX. XXXX, XXXX because the debt was satisfied prior to being sold to XXXX. XXXX. I paid the XXXX bill, and do not own any more money.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX  XXXX Date of inquiry : XX/XX/2022
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I contacted Wells Fargo regarding a negative credit report on my account. I was provided a document by them stating my account was closed with a XXXX  balance. Now I check my credit and its showing the negative reporting as well as a balance.
Consumer complaint received 2021-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

In XX/XX/2021, I had consent to a complete background screening for employment. Only then was it brought to my attention that I had a multitude of debt and arrests I had absolutely no knowledge of. Due to a private domestic XXXX situation, 10 years ago, I went into hiding and refrained from anything that placed my information on public record. During this period I had not asked for any credit from anyone cause it placed my safety at risk. I immediately obtained legal counsel and began researching all of this fraudulent activity which began nearly 10 years ago. I filed an identity theft report with law enforcement and the Federal Trade Commission where I received instructions on the recovery process. A fraud alert was immediately placed on my account to prevent further theft and new fraud accounts. Also, all of the necessary documents needed to dispute these fraudulent accounts, were sent via certified mail to the credit bureaus. Under the Fair Credit Reporting Act 605B, the reporting agencies shall remove and block any information from a file that is a result of identity theft. The credit bureaus are alleging that National Credit Systems was informed of my documented report of identity theft but instead continue to report this debt as valid ignoring the proof in my documentation. I have never done business with this agency or any creditor affiliated. They do not have anything indicating that I authorized use of my identity to receive any services. I have never provided any forms of identification or signed any contracts to validate this debt. Therefore, ignoring my requests and continuing to pursue payment on a fraudulent debt is extremely unfair, illegal and a bad business practice. I am currently working on obtaining video evidence to bring criminal charges to the person responsible whom I believe is a close relative. In the meantime, this agency needs to honor my rights as a victim and remove this debt from my name and cease all collection efforts from me as I am not responsible nor have I participated in incurring this debt. I believe each company has a process on dealing with fraudulent accounts as they would also have extensive means to verify one 's identity prior to opening these accounts. This has been an overwhelming process and I'd appreciate it if my rights were honored and this debt is removed from my account permanently.
Consumer complaint received 2022-12-29
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX .... Balance : {$1900.00}
Consumer complaint received 2022-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

I live in Colorado. On XX/XX/2021 my house was destroyed in the XXXX fire near XXXX. XXXX is my insurer very promptly worked out a settlement with me for my structure- They issued a two party check to my wife and me along with Flagstar Bank the holder of the mortgage. The amount of the check was {$900000.00}. By XXXX we had decided to pay off the mortgage. I sent the check with a letter by XXXX, as they instructed me to do, to the bank asking them to pay off the mortgage. I also enclosed a XXXX sticker and envelope for them to return the check in to me, as instructed by a person in their loss department. They did not pay off the loan until XX/XX/XXXX and they owe us a balance back of {$500000.00}. It is XX/XX/XXXX and we have not received a check. I have called six times to them and my wife called again today. They have told us many different and conflicting things. Today they told my wife that the check was mailed using US mail and untracked. They say it must be lost in the mail. They said today they will stop payment on the check- which takes 10 business days from today. They then said we should call back again to ask to have a new check issued in 10 business day. My wife was on the phone for 2 hours today and over my 6 calls to them I estimate I have been on the phone for at least 4.5 hours. All this and they want us to call back to beg to have them issue a check for our money.

I want them to promptly issue a check to me and if that money has been earning interest I also think it is fair for them to provide that interest to me. Can you please help me. I lost my house- XXXX has been wonderful but Flagstar bank could not be worse. Can you please help me get my {$500000.00} back from this bank?
Consumer complaint received 2022-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 602 states I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer report reporting agency can not furnish an account without my written permission 15 USC 1666B : A creditor may not treat a payment on my credit card account under a open end consumer credit card plan as late for any purpose
Consumer complaint received 2022-06-02
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. (NV)

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. 

XXXX XXXX XXXX XXXX  XXXX, Account # XXXX, has violated my rights. 

XXXX ) XXXX XXXX XXXX XXXX ( Originator - XXXX XXXX XXXX XXXX ), Account # XXXX, has violated my rights XXXX ) XXXX XXXX XXXX XXXX XXXX ( Originator XXXX 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 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 2022-06-02
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. (NV)

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. 

XXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX, has violated my rights. 

XXXX ) XXXX XXXX XXXX XXXX ( Originator - XXXX XXXX XXXX XXXX ), Account # XXXX, has violated my rights XXXX ) XXXX XXXX XXXX XXXX XXXX ( Originator XXXX XXXX ), Account # XXXX, has violated my rights XXXX 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 anted
ates 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 2022-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX around XXXX XXXX EST my husband lost signal on his phone ( we have XXXX as provider ). He was at work, so he waited until he finished work to go to meet his friend so he could call me. When he called me, he asked if I could check our Citibank account as he needed to withdraw cash. When I logged in, there was something happening, but i could not understand what. It was also hard for me to concentrate on this cause this same day XXXX invaded XXXX, and I am XXXX, and my parents still lived there, so I had to shift my focus to that situation. However, later at night, I realized that our money was gone. I immediately called Citibank to report the fraud. What happened was someone transferred to us {$14000.00} from XXXX XXXX XXXXXXXX, and then wired out from our account {$14000.00}, {$14000.00}, and {$1800.00}. We then went to Citibank branch in XXXX, NJ where we were instructed to file 3 affidavits of unauthorized transfers for each transaction even though we personally only lost total of {$15000.00}. After almost 60 days of review our case was denied because supposedly we failed to protect our identity. We filed appeal twice, and both times it was denied. When i ask them what type of investigation was done, and what other evidence I can provide to the bank, we get push back and they say that it was our fault that this happened. I see from the XXXX detailed billed from that day that there were 5 phone calls made to Citibank from my husband 's phone, but he never called the bank since he did not have service. 

We also contacted XXXX and we were able to learn that on XX/XX/XXXX there was unauthorized sim card swap done for my husband 's phone. We learned that it was done in store and that his identity was verified using driver 's license ( of note, he does not have one since he does not drive ). We are not able to find out how and where this swap happened since XXXXe fraud department can not contact us, and can not do anything about it, it can only prevent this from happening in the future ( which does not help us ). 

So I do not understand how bank can claim that we failed to protect out information if they allowed a thief to verify my husband 's personal information, and also I am absolutely mortified by the fact that someone can easily walk into the XXXX store, and fake someone's ID with sim card swapping. I believed that banks were created so they protect our finances and insure them in case there is a fraud. If it is not a case, then why do they even exist. 

Please let us know what should be out next steps and what can be done to dispute those charges. We have a police report filed as well. My husband and I are both immigrants, and we work extremely hard to safe this money, and now they are all gone. Please help us! Thank you so much for your time and for considering our case!
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OR)

On XX/XX/2022 two transactions were done using my debit card while I was asleep of {$130.00} at XXXX then {$160.00} XXXX from a merchant XXXX. I've never heard of this merchant before. I called my bank Chime and they said they were unable to dispute it while it's pending. Today on XX/XX/2022 it posted and I filed a disbute and not even XXXX minutes later they denied it and said I was liable. When I called back they said they were unable to provide to me why it was denied or give me any further information. They also told me I needed to contact the merchant to prove I did not make these rather than them doing it. 

I was on the phone with chime to dispute this at XXXX for XXXX minutes so I was off the phone with them by XXXX. I got the email at XXXX that it was denied which means they did not even contact the merchant. 

My phone number is XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX oregon XXXX If you need any further info please let me know.
Consumer complaint received 2022-06-02
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: EQUIFAX, INC. (PA)

I have no knowledge of these following inquiries. they were not made by me. I have reached out to these creditors and haven't gotten any results. The names of the following inquiries are XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

It is EQUIFAXs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a XXXX  day late payment posted in XX/XX/XXXXXXXX XXXX a 90 day late payment posted in XX/XX/XXXX and a 120 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating XXXX5 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.