davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NY)

I am in defualt with Bank of NY Mellon serviced by XXXX, I had requested to assume my mother 's mortgage after her death in XXXX ( we lived together ). I was told I had to pay the entire mortgage upfront and could not. I presented the 'Garn St. Germain law ' and 'Successors in interest ' and then finally was told I could assume the mortgage and Modify the loan after many prior attempts. There was no way I could have paid all the money due, it was well over {$1.00} XXXX dollars ( from arrears, legal fees etc ) the home was significantly underwater - no pun intended. The market value of the home was at the time after Superstorm Sandy UNDER $ 400K due to massive wated damage in XXXX. I could not pay the modification for long in XXXX due to unforeseeable hardships. I asked for a debt forgiveness at Bank of NY Mellon - from the former CEO Mr. XXXX XXXX who only referred me back to XXXX. Now with Covid-19, I have had NO money coming in. XXXX aggresively began foreclosure proceedings with law firm in XXXX which required me to go to court appearances prior to Covid-19. With a scheduled date after Covid began, I had to appear at court XX/XX/XXXX. There was no notification NOT to appear, I went and the court, it was closed. I live in fear every day of losing my home where I reside with my XXXX. My husband is a deceased XXXX XXXX, I am a single mother and I have significant health related issues. I need help please. Thank you
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried checking my credit today to find out I am locked out of my own information. Someone has changed everything. Last week I noticed that my credit history had disappeared and a consumer note was added for an Ulnlawful Detainer. It was never there before and if I hadnone it was well over 12 years. 
My birth name is XXXX XXXX XXXX XXXX I became a citizen on XX/XX/XXXX & changed my name to XXXX XXXX. I have been a victim of nun identity theft for many years. A detective told me that this person keeps very close tabs on me. I have been residing at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My credit has always been under XXXX XXXX XXXX. Recently changed it to XXXX. I have not applied for any credit for at least one year. I get my life threatened in this building. I am afraid for my life. They have AGAIN stolen/duplicated ALL of.my documents. They interfere my phone calls. I am.living a nightmare. U can call me at XXXX XXXX XXXX
Consumer complaint received 2020-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a Bank of America Advantage Plus checking account on XX/XX/XXXX, with a {$100.00} deposit. I had two direct deposits, greater than {$250.00} each : XX/XX/XXXX DD {$580.00}, and XX/XX/XXXX DD {$590.00}. These were the criteria for the {$100.00} bonus. 

No bonus has been received. I called to complain and was told I was a customer within the last six months. My previous account ending in XXXX was closed on XX/XX/XXXX, 238 days before the new account, checking ending in XXXX, was opened. 

So I made the two direct deposits within 90 days, made the opening deposit, and was not a customer within six months. They owe me {$100.00}. Please assist me in collecting this bonus. Thank you.
Consumer complaint received 2020-06-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

I received a call from Freedom Mortgage in early XXXX that my mortgage was 30 days late. I instantly paid it. I told them I was affected directly by Covid 19 and was self quarantining and stuck in Massachusetts during that time and had thought I set up automatic payments back in XXXX. They were very unprofessional and the guy I spoke to XXXX was working from home and spoke to his wife the entire time. He assured someone higher up would call me back about deleting the 30 day late payment due to the pandemic and the fact I never missed a payment before and was frantic that month due to my sister having covid 19 and me being a single mom of XXXX kids and being stuck in another state that had a shelter in place. I have proof of being in the other state by plane and couldnt return home. I emailed the CEO and he forwarded my request to a vice president and she said she can't do anything to help me. I find this company is very unreasonable and now I can not buy the 2nd home I was trying to purchase. 

If I had received a call before the 30 days which I have proof of the voicemails from the entire month I would never be in this situation.
Consumer complaint received 2023-07-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (OH)

I have 18 missed payments from this company. 6 loans showing 3 missed payments each. I have never missed a payment and this is  reported incorrectly. I have filed multiple disputes with this company as well as with the credit bureaus with no response. During this time the company states I missed payments, I was currently enrolled into school which would have kept my loans in deferment. I have contacted the company for validation and help in resolving this matter with no luck. They are unable to provide me with an answer or validation.
Consumer complaint received 2020-06-21
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. (AR)

Despite numerous dispute requests, letters, and identity theft affidavits, I've been unable to resolve this particular matter or issue with XXXX, Transunion, and XXXX  in regards to inaccurate and fraudulent information appearing on my credit file. There is an account listed as XXXX on my credit file which displays an address of XXXX XXXX XXXX which is clearly the wrong address upon recent research. Another account by the name of XXXX XXXX does not show a date opened nor has Mid-South Adjustment ever provided any HIPPA Release Documentation upon request. A XXXX XXXX XXXX   and XXXX XXXX account which both were opened as a result of identity fraud/theft continues to appear on my credit file despite after the credit bureaus were notified and also denied to block the information upon receiving notification within 4 business days. I believe this a deliberate denial and my consumer rights continue to be violated under the Fair Credit Reporting Act.
Consumer complaint received 2020-06-21
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: Federal Financial Services Inc (OH)

I had a collection appear on my XXXX  credit report from this company. I have no knowledge of this collection. I have sent multiple letters asking to verify the debt, I have called and received no help in verifying this debt. Multiple attempts have been made over the last 4 months with no success. This account is not mine and needs removed from my credit report immediately.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CT)

I purchased curtains from XXXX XXXX XXXX XXXX XXXX XXXX. Immediately upon opening curtains which cost {$65.00} I noticed they were defective, one was much longer in length. I have photos and still have the product. I immediately went to the store to return, due to the bankruptcy of the store the manager could not refund. She told me to contact XXXX since they were the manufacturer- which I did. They said though their name is on the product the manufacturer is XXXX XXXX XXXX. 

I asked the manager what to do and she told me to put in a dispute. I also uploaded my conversation trying to return the product and them telling me to return it to the store, which I could not do! I lost my dispute and Discover attached XXXX XXXX XXXX XXXX return policy ( stating I can just return in store within 30 days )- which is not valid. If you contact XXXX, which is XXXX XXXX XXXX XXXX they state the date they stopped accepting returns- which is the only reason Discover has given me for losing my dispute and it has no validity. Please have them verify the actual policy by contacting that number. I reached out to the executive team and they are still stating I can return it to stores still. If you call any store in the US they are not accepting returns. Though it is a small amount, I want my money back and I do not care about keeping this product as it is defective and I cant use.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

see CFPB XXXX XXXX XX/XX/XXXX & XXXX XX/XX/XXXX CFPB RESPONSES USAA DISMISSED COMPLAINTS ( ** Two Fraudulent Credits Cards Opened in my name. ) Using my USAA PROFILE.  USAA DENIES IN CFPB RESPONSES. See attatched 1099-C CANCELLATION OF DEBT Account MC XXXX XX/XX/XXXX. THIS IS THE ONE AND ONLY CREDIT CARD I HAVE OPENED WITH USAA. SEE attatched USAA XX/XX/XXXX Confirmation Settlement card  XXXX XX/XX/XXXX. Kindly Note the VERY NEXT MONTH XX/XX/XXXX AFTER THIS WAS SUPPOSED TO CLOSE TWO NEW CARDS OPENED A MC END XXXX & A VISA END XXXX. USAA used my private data in my profile from this account to OPEN TWO FRAUDULENT CREDIT CARD ACCOUNTS IN MY NAME. see Attatched Statement ( MC end XXXX {$100.00} ) THIS WAS OPENED WITHOUT ANY VERIFICATION IT WAS ME. NO SIGNATURE NO DRS LICENSE NO AUTHORIZATION OR APPLICATION FROM ME. see attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIM {$470.00} DATE XX/XX/XXXX card VISA end XXXX. I DID NOT APPLY SIGN FOR OR AUTHORIZE THIS ( VISA CARD ENDING XXXX ) EITHER. TWO OPENED BY USAA FRAUDULENTLY using my private profile data. USAA DENIES ANY FRAUDULENT ACTIVITY. NO USAA PERMANET CREDITS WERE PROVIDED. USAA REVERSED {$3000.00} of Merchants Credits USAA never provided.
Consumer complaint received 2020-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX, Transunion and XXXX  not responding properly to false and incorrect information on my credit report that is related to XXXX XXXX loan. My address has been the same for 7 years and the address I use on my IRS tax forms so that neither XXXX   TransUnion or XXXX  can use the excuse that my address doesn't match when it does in fact match and they have mailed me copies all three of them recently of my credit report. There is incorrect information that is inconsistent across all three bureaus and I am disputing and taking to court XXXX for their illegal practices and contract violations. The credit bureaus need to ensure that when a company submits data they are doing so accurately. With XXXX auto loans all they would have to do is look at my original loan contract and they would see that XXXX is falsifying documents and lying about the information. For example my loan was only a 72 month loan and documented on a contract. However, all 3 credit  bureaus report the loan length at 80 months. Also, the account has not been charged off but paid in full. Dates, term amounts, amount owed and status are all inconsistent across all bureaus. The credit bureaus need to validate their source of information. I want all documents associated with XXXX XXXX XXXX that each bureau has recieved to validate the debt, sent to me within 30 days. 

If the credit bureaus can not validate the information they have to report the data on my report my next step will be legal action.
Consumer complaint received 2020-06-21
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. (NJ)

After several attempts TransUnion credit report agency neglected to update wrong information in my files related to chapter XXXX Bankruptcy Because of that bad information when I applied for credit it has been denied because it said in my report that a public record appears in my file I sent TransUnion a letter from the court showing that the Bankruptcy case was dismissed but they insisted that my case was granted In the other side, XXXX  and XXXX had updated that information already I explain to them that I was ineligible to receive a discharge but them do not want to do nothing I would like you to force them to update my files with evidence I have at hand
Consumer complaint received 2020-06-21
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. (VA)

THIS COMPLAINT IS ON EQUIFAX. I HAVE CONTACTED THEM SEVERAL TIMES TO FIX INACCURACIES ON MY CREDIT REPORT. INSTEAD OF THEM FIXING THE INACCURACIES THEY KEEP UPDATING THE COMMENTS " CONSUMER DISPUTES, REINVESTIGATION IS IN PROCESS '' I HAVE NOT REQUESTED ANY DISPUTES. EACH TIME THEY UPDATE REMARKS ON MY ACCOUNT. MY SCORE DROPS. I PAY XXXX A MONTH TO THEM TO BE ABLE TO SEE WHATS GOING ON WITH MY CREDIT REPORT. I HAVE SENT THEM COPIES OF MY DRIVERS LICENSE AND SOCIAL SECURITY CARD ON XX/XX/XXXX XX/XX/XXXX. NOW THEY ARE SAYING I CAN NOT HAVE ACCESS TO MY INFORMATION BECAUSE MY IDENTITY CANT BE VERIFIED. I LAST SPOKE WITH SOMEONE XX/XX/XXXX, PRIOR TO TODAY I SPOKE WITH SOMEONE XX/XX/XXXX I HAVE SEVERAL CONFIRMATION NUMBERS BUT THEY STILL WILL NOT DELETE OR FIX THE INACCURACIES ON MY CREDIT REPORT. KEEP IN MIND MY NAME AND PERSONAL INFORMATION WAS LISTED IN THE DATA BREACH. ERRONEOUS COMMENTS AND ACCOUNTS THAT NEED TO BE DELETED ARE XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. HAVE SPOKEN WITH THEM SO MANY TIMES THAT I RECEIVE SURVEY REQUESTS BUT THEY CLAIM THEY CANT VERIFY MY IDENTITY, HOWEVER THEY HAVE NO ISSUES DEDUCTING XXXX OUT OF MY ACCOUNT FOR THE EQUIFAX COMPLETE PLAN
Consumer complaint received 2020-06-21
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. (MO)

Topic : Transunion removed ( incorrectly! ) the most positive item on my credit report. 

On XX/XX/XXXX, I sent Transunion a letter disputing three items on my credit report. They did not respond, so I sent the letter again on XX/XX/XXXX. The letter included a copy of the credit report with the disputes cross referenced to that report. 

They corrected one item, ignored one item, and decided on item was correct ( so this will be escalated further. ) But then - they took it upon themselves to decide that I had disputed two more items, which most definitely were not in the letters. One of these, a current XXXX XXXX credit card which is always paid on time, was the most positive influence on my credit report. They DELETED that credit card and subsequently my credit score as reported by them went down 12 points.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/20 I was trying to obtain a free credit report through Transunion. When you attempt to do so, account creation etc is mandatory and you are easily tricked into providing your credit card and paying for something. After receiving a {$21.00} charge for services I didn't want I still couldn't receive a credit report. The only way to cancel services and request a refund is to call them, which I have during the times they are listed and the number provided simply states they are closed and call back later. 

Having my identity stolen was extremely painful. All three credit bureaus make it impossible to resolve online or on a phone and only try to make money off you. Every time I had to result to mailing in letters and statements.
Consumer complaint received 2020-06-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: Bread Financial Holdings, Inc. (IL)

Joint CD matured on XX/XX/XXXX. Both account holders have contacted the bank multiple times since then and spoken to multiple Customer Service Representatives, however, we have still not received our funds. We also approached the Comptroller 's office but still have not received our funds. 

XX/XX/XXXX - in-app message sent to not renew CD and to disburse funds to savings account upon maturity. 
XXXX XXXX spoke on the phone to CSR XXXX XX/XX/XXXX spoke to CSR XXXX XX/XX/XXXX spoke to CSR XXXX XX/XX/XXXX spoke to CSR XXXX XX/XX/XXXX received message from Product Support Operations Specialist II XXXX 14 days post maturity, 5 CSR communication and a complaint with the OOC, our funds are still not disbursed. The bank is using the current pandemic as an excuse to hoard our hard earned savings and not release the funds immediately. 

Each time we were told that it would take 3-5 business days. XXXX even stated that she could not really specify when it would be disbursed. XXXX, via the app message has now increased the number of days to 5-7 business days. 

During this challenging time, the people at Comenity XXXX XXXX are giving us more stress. 

FDIC had directed us to your office. If CFPB can resolve this issue, we will appreciate.. 

A copy of our correspondence with the Comptrollers office both from the 16th and today XXXX XXXX, is attached.
Consumer complaint received 2024-09-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC (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. 

XXXX XXXX - XXXX Has violated my rights. 

15 U.S.C 1692B Section 5 : States, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt XXXX is in the debt collection business or that the communication relates to the collection of a debt.

Another violation they are infringing upon is : 15 U.S.C 1692C ( C ) : that law clearly states If a consumer notifies a debt collector that the consumer refuse to pay a debt the debt collector must cease all communications
Consumer complaint received 2020-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (RI)

I ordered an item online for a friend from homedepot.com which was either stolen or otherwise lost when delivered. I contacted Homedepot.com, Homedepot Citi Credit Card Services and XXXX XXXX to help me resolve the issue and they all have refused to refund or replace the item that they were responsible for. All theyve done is open investigation cases which were bias. XXXX  XXXX  had either left the item at the front door of a busy street causing it to be stolen or delivered it to the wrong address and refuse to take responsibility for it. Homedepot Citi Credit Card Services and  Homedepot.com are still charging me for an item I never received and have even called me a thief on paper, which is clear that they didnt do any real investigation.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

- Credit Score won't appear on web page through XXXX for TransUnion - When I tried to check on TransUnion 's website I was automatically signed up for monthly credit monitoring for {$20.00} a month without my knowledge or permission! This is never made explicit or clear to the consumer when navigating their website and seems completely fraudulent
Consumer complaint received 2020-06-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (NJ)

I signed up for the payment assistance through Chase and was told that there wouldn't be any fees or interest on the account during this time. When I looked at my statements I see that they have been charging interest these past 3 months. I called and offered to pay off the account and was told they wouldn't remove the interest. I believe they are giving false information to clients and then sticking them with high interest fees.
Consumer complaint received 2020-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Army and Air Force Exchange Service (NY)

I am a XXXX in the XXXX XXXX, and applied for an Army & Air Force Exchange credit card ( Military Star Card ) inXX/XX/XXXX. Due to bureaucratic issues beyond my control, the physical card itself didn't reach me in the mail, ( I was able to use it for purchases through a temporary print-out number, ) nor did any statements/bills. 

Due to this, I had a one-time missed payment, ( again, I wasn't receiving notice of it, ) and I did pay the full balance off on XX/XX/2019. I now have maintained a balance of {$0.00} on that card since then. 

I still see that this missed payment is on my credit report, bringing my on-time payments from 100 % to 99 %.