davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUSTMARK CORPORATION (MS)

XXXX XXXX & XX/XX/2023 there where unauthorized transfers and unauthorized transactions on my account after the transaction posted I dispute all the transactions on XXXX XXXX & XX/XX/2023 Because they were not authorized by me I explained to my bank. Three days after filing my disputes I get a call from XXXX XXXX in Card Claim Department asking me about the transactions From XXXX XXXX And Was The account Secure I said I did not know I would contact XXXX XXXX like she instructed me to do so. I gave her a call back the next day and told her exactly what XXXX XXXX said I had to contact my bank regarding the unauthorized transfers and she told me that it was already too late and denied. I dont understand how transfers & transactions I did not make how can I be held accountable for transfers and transactions I didnt not authorize or make I am a hard working Mother of XXXX  daughters and for my hard earned money to be tooken from me is unacceptable. I explained multiple times it was not me the made the transfer or transactions but it didnt matter to them they still denied my Claim.
Consumer complaint received 2023-03-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

Shellpoint has claimed to never receiving any loss mitigation documentation from Ditech or being notified of my loan being in review prior to servicing my loan. Yet, included in their last response to my complaint dated XX/XX/XXXX Shellpoint included a letter from Ditech, which stated it had received my application for loss mitigation. Unfortunately, my application was incomplete at the time, but I had until XX/XX/XXXX to submit the missing documents. I have attached the letter for your review. However, XXXX filed for Final Judgement against me on XX/XX/XXXX. How is a loan in foreclosure with a final judgement of XX/XX/XXXX, then reassigned to Shellpoint for servicing on XX/XX/XXXX? Also, if Shellpoint had no knowledge of any loss mitigation documents being received by Ditech, the previous servicer; please explain the letter included in Shellpoint answer to my complaint dated XX/XX/XXXX. The letter attached is from Ditech dated XX/XX/XXXX which clearly states, Ditech received my application for loss mitigation. They have violated the CFBP and RESPA numerous times.
Consumer complaint received 2023-03-06
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Someone other than me tried to open a store credit card in my name through Kohls, XXXX XXXX, XXXX and XXXX. I believe only the Kohl 's charge was accepted, and that card was used for over XXXX dollars. The other cards were rejected but I have hard inquires on my credit report that were not started by me, and are fraudulent, and I would like removed. XXXX and XXXX require me to report these fraudulent inquires before I dispute them with them. 

I have spoke with Kohl 's and their fraud department is handling that account. I will call XXXX XXXX, XXXX, and XXXX tomorrow to alert them to this fraud as well. 

I am taking action to freeze my credit reports with all three to avoid this fraud in the future.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted by certified mail to XXXX, XXXX, and TransUnion ruffly 3 to 4 times concerning incorrect names, addresses, and employment that they are reporting on my Credit Reports. ALL 3 HAVE IGNORED MY REQUEST, NOTHING HAS CHANGED BUT KEEP PUT WRONG/MISSPELLED INFO. 

XXXX Track # XXXX TransUnion Track # XXXX Experian Track # XXXX
Consumer complaint received 2023-01-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (NV)

I used the company Remitly to transfer money to XXXX. My last transfer was never received by the recipient but Remitly refuses to refund because their system shows the recipient received the money. Its been months of me contacting them and my bank but nothing but more frustration has come out of this. Since Remitly refused to issue a refund, I filed a dispute with my bank. After they received the dispute investigation request from my bank, Remitly then decided to permanently suspend my account for suspicious activity and not following their policies. They even had the nerve to tell me that I needed to pay them to reinstate my account with them and I was called XXXX slurs.I still havent received the {$460.00} Im owed.
Consumer complaint received 2023-02-28
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)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2023-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC (GA)

XX/XX/2023 : I received a debt collection letter from XXXX XXXX XXXX  and CASCADE CAPITAL FUNDING INC. 

XX/XX/2023 : I mailed a letter to XXXX XXXX XXXX, CASCADE CAPITAL FUNDING INC, disputing the debt and denying that I owe it to CASCADE CAPITAL FUNDING. Also in this letter, I demanded that XXXX XXXX XXXX/CASCADE CAPITAL verify the validity of this debt in writing within 30 days and submit a copy to me at the address below. I also asserted my rights under HIPPA and demanded a copy of the HCFA-1500 used to make decisions on my behalf and made part of my designated record set, within the next 30 days. I further requested these items : 1. Provide a billing statement which matches the balance being claimed.

2. Provide an itemized list of services with the charges that XXXX XXXX XXXX XXXX claims to have provided, that total {$4000.00} OR provide the itemized list of services with their charges and any partial payments my health insurance company and I have already made towards these charges. 

My letter was not returned from sender, so it would have arrived. Further, this company ignored my dispute, provided no documentation to me and recently reported this debt to major credit bureaus without stopping collection and validating the debt.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

A charge off means that a lender or creditor had written the account off as a loss and the account is considered to be used as income when filling taxes for the consumer which mean it should not be used to be reported on credit report. According to 15 U.S.C. 1681 ( 1 ) the banking system is dependent upon fair and accurate credit reporting. In accurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The charge off of this account reporting a late payment is a clear violation of the FCRA law. Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions. The information on two different credit reporting agencies is reporting two different information and dates do not match
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is XXXX XXXX and I am submitting this CFPB complaint as a follow up to the previous Complaint to remove the fraudulent items. I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Please remove the following items as soon as possible : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read that under the Fair Credit reporting act section 605b, as the Credit Reporting Agencies, you are required by law to remove any accounts and information that resulted due to identity theft, so please do so.
Consumer complaint received 2023-01-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (NY)

My name is XXXX XXXX XXXX, I am a Transferwise Customer with email address XXXX I am reporting this case because wise has refused refunding my money to me. 

My account was deactivated and I had funds on the account. On XXXX XXXX, XXXX  I submitted my bank details to wise for them to send the refunds to but I haven't heard from wise in this issue in which wise said that they were still running some checks However, on XXXX XXXX, XXXX  I received email from wise informing me that they have concluded their checks and would has processed the refund and they said it will take 2-5 business days for funds to hit my Bank.

However, I kept checking my XXXX XXXX I submitted everyday and there is no refund from wise into my bank account. 

I am demanding Wise to explain to me why they have not sent my funds to my XXXX XXXX  details within the 2-5 business days they promised and if they said they did, they should attach a proof to their response to this complaint. 

I need my refund to be sent to my bank My wise email address is XXXX XXXX
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

My account was Hacked by wire transfer for {$140000.00} dollars. Union Bank recovered only {$110000.00} dollars of it, with an outstanding balance of {$28000.00} to still be recovered. At this point they will not call me back and I do not know what to do. If I had known the Security on my account was so poor I would of never opened an account with Union Bank in California.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (OH)

In XXXX, I filed for Forbearance and did the extensions in XXXX. I was XXXX month behind at the time of the initial filing which is why I needed the forbearance. I was lead to believe that payment would be included in the forbearance. 

Every month LoanCare reported the loan as XXXX  days late in accordance with that missed payment that should have been rolled into the forbearance. 

Every month Loancare accrued interest on that payment and forced collections on it once the forbearance period was over.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (WA)

I depots checks from my client, but I am no sure they pay me or not. I call chase bank many times to confirm the money in my bank. They said yes. after that I have to pay back for my client. but those checks wore retune not no money.. I lost {$34000.00}.
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

When I got to know about the debt collection via credit karma notification, I immediately called the debt collector company TSI ( trans world systems inc ) to get more information on the debt. 

On XX/XX/XXXX, I called TSI and was informed to me that there is a debt on my account and if it is cleared, this will not be reported to any of the credit bureaus and the account will be closed. 
I was given a discounted price to pay of the debt and I was under the impression that by paying off, I will be safe as they will not report it to any of the credit agencies. So I settled the account on the same call and thought everything is settled per my community with the TSI agent. 

On XX/XX/XXXX when my loan officer tried to pull the scores, I got to know that the debt collection has been reported on your credit history and I was shocked to see that. I was under the impression that the account will be settled and it will not be reported to anyof the credit agencies but TSI has reported to credit agencies even after me settling the amount.

Please look into this at the earliest as I was almost about to buy a home and die to this unexpected reason, I had to hold off from buying a home for my family.. I got penalized even after settling the account.

I also reported this to TSI and they are doing an investigation on this from there side. 

Paid off the account on XXXX XXXX, XXXX XXXX reported to credit agencies : XXXX XXXX, XXXX ( as paid status ) where they told me they will not report after me settling the account
Consumer complaint received 2022-05-20
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. (NY)

In accordance with the fair credit Reporting act XXXX accounts : ( XXXXXXXX XXXX ), ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX   ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 602 A : states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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 2023-02-14
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. (PA)

I have a mortgage loan from XXXX XXXX XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXXXXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Equifax, and XXXX XXXX XXXX  with no successful resolution. Equifax reporting me 30 days late in XXXX of 2022. There was an error on their part. I was never 30 days late.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL (NC)

My identity was stolen app 2 years ago and I froze all my accounts including credit agencies. I unfroze temporality while applying for credit and Synchrony Bank denied me twice. Reason being they couldn't verify my identity. They will not give me a answer over the phone, and I have written a letter to them XXXX XXXX XXXX XXXX, Fl XXXX. 
XX/XX/2014 are the dates I need to know why this is happening. Credit bureaus can't help me but there is no problems with my credit, and I have over a 800 credit score. 
Thank You
Consumer complaint received 2023-02-14
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. (NC)

The enclosed statement is from the creditors investigation. Address - UPDATED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Credit bureaus stated my consumer report with account XXXX XXXXXXXX was properly investigated, but how is that possible if the open date is inaccurate, the last active is inaccurate, Two-Year payment history is incorrect, and date last reported is not accurate. Also Experian is reporting paid and XXXX is stating derogatory. 15 U.S. Code 1681 ( a ) speaks about the Accuracy and Fairness of Credit Reporting. These inaccuracies are grounds for deletion.
Consumer complaint received 2023-02-14
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: WELLS FARGO & COMPANY (MN)

On XXXX Wells Fargo emailed me that they shipped my new Visa Credit Card. I have never applied for one or asked them to open one in my name. They did this without my consent.
Consumer complaint received 2023-02-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/23 American Express Bank received a written request from me to close my certificate of deposit ( balance of $ XXXX ) early and transfer the proceeds to a high yield savings account with the same bank. The form indicates it would be 13 days to complete closing the account and transferring the funds, not specifying business or calendar days. On XX/XX/XXXX I contacted American Express Bank to determine what the status of the account closure and transfer was since it had not been completed yet. I was told that there was a backlog and that it would be closed the following Monday, XX/XX/XXXX or Tuesday XX/XX/XXXX, at the latest. Today is XX/XX/XXXX and the account has still not been closed and the funds have still not been transferred to the savings account. I contacted their customer service and after speaking with a customer service rep, she was unable to contact someone in the " back office '' to determine what has happened and why they have failed to close the account and transfer the funds. I feel they are deceptive in their disclosures when closing an account with them. Since this is an internal transfer within their own bank, this should not have taken well beyond their own indicated timeframe.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. I look forward to hearing from you soon. Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 15 U.S. Code 1681e ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. With that being said, we can see under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. On EQUIFAX, they are reporting an incorrect address below : 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 and they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to follow up on my recent dispute regarding unauthorized and inaccurate inquiries on my credit report. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : -- -- -TransUnion XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX