davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

On XX/XX/2019, I went to pay my mortgage to PPH, which was only {$420.00}. OO. When I pulled up my loan statement online at their website, it said that I only owed {$840.00} to pay off the entire loan, so rather than pay the monthly due amount of {$420.00}, I paid the entire {$840.00} it said that was remaining on the entire loan to pay it off. On XX/XX/XXXX, when I checked the website, it told me I was late on my XX/XX/XXXX payment and that I owed {$840.00}, which was the exact amount that I paid on XX/XX/2019. I checked my bank and the money had in fact left my account and been sent to PPH. Additionally, the recording when I called PPH confirmed it received it on XXXX XXXX. When I spoke to a representative, he claimed that they had not applied any of the money because it was not the full amount, but I explained that I paid the entire amount due, which it listed at {$840.00}. He couldn't explain why the website said I was late when I paid almost twice the amount owed of {$420.00} but more importantly the full amount owed and showing at the website. They failed to apply any of the payment that was
Consumer complaint received 2019-08-19
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 (GA)

Capital one  XX/XX/2019Capital one again on XX/XX/2019XXXX XXXX XX/XX/2019XXXX XXXX XX/XX/2019Capital one XX/XX/2019
Consumer complaint received 2019-08-27
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. (IL)

XXXX ; XXXX and Transunion are reporting incorrectly a late payment in XXXX, 2018 on the XXXX account number XXXX. ( Please see page 2 attached from our credit report. ) The mortgage payment is due on the first day of the month. We get paid on the XXXX of every month. The mortgage payment would not be considered late until after the XXXX of every month. I set this account up on Auto-Pay to deduct the mortgage payments on the XXXX of every month, but for some reason this payment was not pulled on the scheduled day of the XXXX and consequently it was zinged as late. This was not our error. We had the account set-up for automatic payment and this was clearly a banking error. We contacted the representative and they said they would remove this late however, they have yet to do so. This incorrect reporting of a late payment is harming my credit score and this late needs to be removed from our credit report. We have contacted the ( 3 ) bureaus to remove this however, we have not been successful.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Opinion by numerous experience a great scam- denied credit once again- Thank you, xxxxxxxx, for your Personal loan application. Unfortunately, we can not fulfill your request for a loan because of the following reasons : Serious delinquency Too many inquiries in last 12 months Amount owed on revolving accounts is too high Length of time revolving account has been established This agency never reports accurately and only real time is a negative, balances always wrong and inaccurate causing denied credit -higher rates and financial impact. Do not look toward the CFPB to do anything they are worse then the agency complained about- another facade.
Consumer complaint received 2020-01-01
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. (FL)

I have disputed several accounts with XXXX  as being fraudulent and they refuse to investigate and remove these accounts. They are in violation of the FCRA. XXXX  account # XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to request the blocking and deletion of certain accounts and inquiries from my credit report. I am a victim of a data breach that exposed my personal information, making it vulnerable to unauthorized access. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following entries. 
Accounts : XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$590.00} XXXX. XXXX - XXXX XXXX : XXXX - Date Filed : XX/XX/XXXX - Amount : {$0.00} Inquiries : 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 - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Consumer complaint received 2019-12-16
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. (NY)

Due to XXXX Breach back in XX/XX/XXXX I've become a victim of identity fraud - some of my personal information but not limited to get into public access. Since then I've been fiercer-fully struggling to keep my information protected and put a id fraud notice on my credit report with all 3 major bureaus - experian, XXXX and XXXX.In XX/XX/XXXX I've discovered that some of the addresses I've never resided at been reported. After a phone call I've discovered that there are 2 credit accounts were opened on a person XXXX XXXX XXXX, using my credentials - such as SSN. I've reported such activities to FTC Identity Fraud Department and called XXXX XXXX XXXX. They assured me that they will start investigation. At the same time, I've reported such activities to Experian. Experian requested additional documents to proof my point which had been sent to them via USPS XXXX. As of XX/XX/XXXX, literally nothing had been done - these fraudulent accounts still could be seen on my report.
Consumer complaint received 2019-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OH)

I get calls on a daily basis, something two or three in a day from phone # XXXX, claiming it is JP Morgan Chase bank. The automated message says that it is important the I immediately return the call, and provides a toll free #. The latest call was after XXXX XXXXXXXX XXXX on Sunday, XX/XX/2019. I have been ignoring these calls because I haven't received any electronic messages ( e-mails ) from Chase, and there are no messages for me on the Chase web site. However, I called Chase ( phone # on the back of my Chase card ), and was informed that XXXX is a " phishing '' #. Please investigate the organization that owns this #, and prosecute them to the fullest extent of the law.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2020-01-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I did not receive proper notification of credit card statement at my new address or email. Company refused to fix such a small error of a debt payment of around XXXX dollars Im in which I actually over payed it. After I contacted the company they still kept saying they send the email and statement and I didnt get it. This information needs to fix on my credit report and is affecting my 100 % payment record
Consumer complaint received 2020-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital one tells me they closed my account due to payment was returned to my financial institution. However I never made the payment that they are claiming I made nor don't know where it came from and whose name is on that account in order to fine that person and not me. I enclosed paperwork but capital one can't explain whom made payment not I did not authorize it.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One continues to send me prepaid offers for a previous tenant, one who has  been gone for several years. This is creating a threat vector for this individual who could have his identity compromised by an individual (the new tenant, currently myself) who could use this constant barrage of pre-approved offers to the old address.I've sent pictures of the letters multiple times to privacy@ and abuse@ Capital One and there has been no response or change in their behavior.  In my opinion, they should not be sending pre-approved offers to individuals who do not live at the residence on file, especially if the postal service or the current tenant advises them that they are leaking possible PII and providing an opportunity for third parties to accept pre-approved offers unauthorized on their behalf.Please have them stop sending me offers for the previous tenant.
Consumer complaint received 2019-12-31
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: EQUIFAX, INC. (CT)

In XX/XX/XXXX, I received a XXXX XXXX Visa card from XXXX XXXX  where I did all my business at the time. I was a XXXX XXXX XXXX. From XX/XX/XXXX until this incident I was never late a day on my credit card payments, as is borne out on my credit report. In fact, over 44.5 years and millions of dollars of payments I never was a day late that whole period of time on ANY payment! 
In XX/XX/XXXX, XXXX suggested I consider paperless billing, for which I signed up. I NEVER RECEIVED EVEN ONE STATEMENT AGAIN! I kept this card in a wallet in my glove box of my car just for emergency purposes, so it wasn't something that was top of mind for me to remember, plus I am a XXXX XXXX and frankly due to age and medications there is a lot I don't recall immediately. In XX/XX/XXXX, I did receive a letter from XXXX telling me I had a balance due on my credit card, so I immediately called XXXX and gave them a checking account number and routing number to my personal checking account to pay the balance due, which they did. Later they told me that the payment that I was making from my checking account was just for that payment, while I thought the checking account number was there to pay ANY balance that might appear on the card. In fact, when this incident happened and I called XXXX the system asked me if I wanted to pay the balance due with my checking account " On file ''! 
On XX/XX/XXXX, I received a notice from XXXX stating that I had a {$300.00} balance on my credit card, and that {$130.00} was due on XX/XX/XXXX. ( See attached screen shot of that notice ), yet on the day before, XX/XX/XXXX, XXXX REPORTED TO THE CREDIT BUREAUS THAT I WAS 60 DAYS LATE!!! 
XXXX  never contacted me to tell me the balance was even due. I received no email except the one telling me  my balance was due on XX/XX/XXXX. I received no phone calls as the phone number XXXX was using was disconnected years ago. I received no postal mail that I can recall, but I believed I was on paperless billing anyway so I wasn't looking for anything from XXXX Bank. ( I have attached screen shots of the email on my email server for the periods in question and one can see the only chase notification that came through was the notice that the balance was due on XX/XX/XXXX ) Clearly, if I received any notice at all that there was a balance due I would have paid it, but I had no knowledge there was even a balance on the card due to paperless billing NOT WORKING! ( I have attached a screen shot of an internet blog which states that many others were having the same problem with chase paperless billing )
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

The complaint that Wells Fargo closed on XX/XX/XXXX as being duplicate is actually a new complaint. As a follow-up to complaint # XXXX, Wells Fargo mandated closure of our personal checking account ending in XXXX and opened a new personal checking account ending in # XXXX. This account was opened two weeks before this event ( payment of a counterfeit check ). We had not written any checks on the # XXXX account nor had we shared the account number with anyone. A counterfeit check was negotiated by Wells Fargo that overdrew the account. The check was an OBVIOUS FRAUD, yet Wells Fargo paid on it -- causing the account to be overdrawn. 

I expect Wells Fargo to provide written answers to the following questions : 1. The XXXX ( counterfeit ) check was written on a Wells Fargo Commercial ( misspelled " Commerical ' ) Disbursement Account, our account is a personal checking account. Why was the check negotiated? 

2. The name printed on the check is XXXX XXXX XXXX in XXXX, FL. This is not the information printed on our checks. Why was the check negotiated? 

3. The check number is XXXX. Our account had just been opened and the checks issued started with # XXXX, Why was the check negotiated? 

4. The signature is neither mine nor my wife 's, nor was there an attempt to mimic either of our names. The name of the person who signed the check is not an authorized signer on our account. Why was the check negotiated? 

5. The check overdrew the account by {$460.00} -- we have never overdrawn our account. Why was the check negotiated? 

6. Wells Fargo did not detect the fraud and stop it. On Saturday, XX/XX/XXXX, I got an email that the account was overdrawn. We were charged a {$35.00} overdraft fee which I got reversed when I closed the account. How could Wells Fargo miss this obvious fraud and assume we overdrew the account? 

There were a number of " red flags '' that Wells Fargo missed that should have caused them to reject this check? Since we have not issued any checks on this account and have not provided the account number to anyone, the investigation needs to focus on Wells Fargo and the company that prints the checks. I have already provided a copy of the letter dated XX/XX/XXXX from Wells Fargo Phone Bank which discloses our full account number and a form from Wells Fargo that discloses our complete Social Security numbers. A police report has been filed and I will provide a copy when I get it.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have reached out the credit bureau on XX/XX/2022 they still haven't updated my personal information. I have called, faxed and nothing still hasn't been done about this issue. Feel I have used all my resource to try get this fixed. Can you please help me out with is. 15 USC 1681 ( a ) ( 4 ) 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
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This complaint is the follow up to my complaint that was submitted back on XX/XX/2019 against Bank of America which was forwarded to MsXXXX XXXX XXXX, Bank of America Regulatory Complaints Department, @ XXXX ( XXXX ) XXXX ext. XXXX. 
At the time I had applied for a Bank of America Platinum Plus credit card, I had a XXXX credit score and was denied for reasons that do not appear on my credit report. I had a bankruptcy several years back which have been discharged and do not appear on my credit report however Bank of America denied me credit based on criteria that is no longer relevant which was discharged and is well past the 10 year period. Ms. XXXX made ONE attempt to contact me, left me a message with her name, number and extension and asked me to call her back to verify my identity. I called Ms. XXXX, however after leaving numerous messages I never received any response. This matter WILL NOT BE SWEPT UNDER THE RUG. Ms XXXX response : The company sent its response directly to the consumer because it could not confirm who submitted this complaint. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. First off this is a JOKE! 
I have NEVER received the response from Ms XXXX or Bank of America, so as far as I am concerned this complaint as not been resolved and I am not going away. I want answers.
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Disputed the inaccuracies of XXXX XXXX on my credit report with TransUnion on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Consumer complaint received 2020-01-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

Received first delinquent tax notice from township. Date of Notice XX/XX/XXXX Taxes were due to be paid out of escrow on XX/XX/XXXX. 
A portion of our mortgage payment to Mr. Cooper mortgage is put into escrow acct. each month to cover property taxes and insurance. The amount put into escrow each month is {$590.00}. 
We now have a total as of XX/XX/XXXX of {$3100.00}. The initial amount for property taxes due was {$1100.00} for the quarter. There was an ample amount in escrow to pay property taxes by the initial due date of XX/XX/XXXX. We have since then accrued interest on unpaid taxes making the amount with interest {$1100.00}. Not sure if there are any late fees attached to unpaid taxes. We reached out to our mortgage company on XX/XX/XXXX and explained situation. We were told initially that our taxes weren't set up to be escrowed but after looking into it further the person we spoke to realized that they were being escrowed and that the way it was put in when acct. was sold to them was causing the problem. They told us that they were making notes on acct and sending to their tax dept. and that it would be resolved. They also asked for us to send copy of delinquent tax bill to them which we did on XX/XX/XXXX. It was emailed and faxed. Since then we have talked to numerous people and supervisors and are being told that they are still reviewing situation and they will contact us when taxes are paid. Today is XX/XX/XXXX and nothing has been paid. We also called township and told them of situation and they told us to keep on them and make sure it is paid by XXXX. Like I said as of today taxes have not been paid.
Consumer complaint received 2019-12-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

Through the dates of XX/XX/2018 – XX/XX/2018 Hurricane Florence damaged our home. We had renters in the property at the time but they evacuated. Our mortgage was being paid through them but when they had to leave due to the damages in the home we could afford our payment. The morning company we are with ( Freedom Mortgage) said they were going to put us on a Mortgage Forgiveness Program due to being military and a weather disaster but they never did. We ending up going through our insurance company being able to fix the home. Because myself and the mortgage company are on the loan the check from the insurance company had to be given to the mortgage company to sign. On XX/XX/2019 the mortgage company finally released payment for the construction company but not in the full amount. They released  $XXXX But that’s not the full amount. They will not release what is left (the beginning balance of check was XXXX.) we gave them every single document that was needed but once again they still won’t release check. Also they still won’t put us on a forgiveness program.
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have had a Bank of America Credit card for over 17 years. I have perfect credit and have never once missed a payment. I have always opted for paper statements and have been receiving paper statements without problems for years. Without my permission or knowledge, Bank of America switched my statements to e-mail statements without notifying me and used an out of date e-mail address that was on file from over 14 years ago ( not current nor viable ). For two-three months, no statements were received. I was not contacted via phone. Bank of America sent information to a credit agency stating I missed a payment, who eventually contacted me via snail. As soon as I was properly notified, I immediately made a payment and then paid off the balance in full. There is currently a credit due to me on my account due to over payment. Bank of America then decreased my credit line by 90 % and provided misleading information to the credit bureaus, which resulted in a drop of my credit score ( which was in the mid-800 's ). I've contacted Bank of America multiple times to file complaints and initiate investigations as to what went wrong. They admitted that they wrongly changed the bill delivery to e-mail, discovered the disconnect and re-issued the old paper statements that were not received. I requested that their mistake be remedied so that my credit score is not negatively impacted. They just notified me via mail that my request has been denied ( for no reason-it was their fault!!! ). My request is that my credit score, which was flawless until this company engaged in wrongful acts not authorized by me, be rightfully restored.