davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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. (DC)

Consumer Name : ( XXXX XXXX XXXX ) Consumer Social Security Number : ( Private SSN LAST XXXX XXXX ), Consumer Date of Birth : ( Private DOB ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan account, and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquiries are the result of Identity Theft and Fraud.
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Santander Bank began to offer an account called extra20 Checking in XXXX XXXX. Santander Bank heavily advertised this product as " not a promotion '' and made implicit and explicit guarantees that if you opened an account, you would have it forever. I was one of many people who chose to switch to Santander because of these promises - it is not an easy task to switch bank accounts, but the bonus made it worth the switch, despite being an otherwise inferior bank. In XXXX XXXX, Santander decided that they were no longer going to offer this product, which is completely in their right. In XXXX XXXX, Santander decided to move every existing customer out of their extra20 Checking product and into a different product that does not pay the monthly bonus that they had guaranteed. I believe that what Santander did was bait-and-switch at best and criminally deceptive at worst. As an example of this, I was able to locate one of their advertisements stating how much you would earn in 5 years with this account - this would be impossible considering the longest that anyone could have stayed in the account is less than 3 years.
Consumer complaint received 2016-09-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I HAVE TRIED TO APPLY FOR A LOAN MODIFICATION SEVERAL TIMES WITH OCWEN, I NOW HAVE A SALE DAT OF XXXX/XXXX/2016 WHICH THEY ARE PRETTY MUCH TELLING ME TOO BAD!! I HAVE TURNED IN ALL MY REQUESTED DOCUMENTS MORE THAN ONCE, THEY SOMETIMES SAY THEY DIDNT RECEIVE THEM SO I AM FORCED TO RESEND THEM AGAIN. AFTER TURNING IN ALL MY DOCUMENTS I STILL DO NOT RECEIVE ANY HELP AND WHEN I TRY TO SPEAK WITH MY CASE MANAGER THEY ARE NEVER AVAILABLE! PLEASE HELP ME SAVE MY HOME!
Consumer complaint received 2017-01-07
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (CA)

I bought a {$200.00} prepaid Master Card issued by U.S. Bank on XX/XX/2016. Before using the card in XX/XX/2016, I checked online to confirm the balance and saw that the card has been fraudulently used at XXXX 's on XX/XX/XXXX for {$190.00}. Since, the card has always been kept locked in my custody, I promptly called customer service on XX/XX/2016 and told them about this issue. 

The agent took my complaint and said that they will do a review. After about 15 days, I received a form which asked me to certify that the transactions disputed were not made by me. The letter said that filling up the affidavit ( form ) and sending it back was optional. However, to expedite the process, I filled it up and faxed it back to XXXX on XX/XX/2016 at XXXX AM XXXX. 

After patiently waiting for around 45 days, I called back on XX/XX/2016 to check the status of dispute. The agent said that they never received the affidavit back. This did n't make sense to me since I have a receipt of successful fax transmission to XXXX on XX/XX/<YYYY> Moreover, as per the language on the form, it was optional anyway. Since, the conversation was n't going anywhere, the agent suggested that she can resend the form to me and I can fill and send it back to them again. 

I received the form again in a few days which I faxed back to the required number very next day. 

Unfortunately, today, I received a letter from XXXX services dated XX/XX/2016 saying they ca n't help me with the disputed transaction since I reported it beyond the 120 day limit. 

I do n't agree how this issue has been handled due to following reasons : - I disputed transactions on XX/XX/2016 and XX/XX/XXXX ( again ) both of which fall in the 120 day window begin quoted by XXXX XXXX. 
- XXXX XXXX conveniently denied receiving my fax on XX/XX/XXXX even when I have a receipt showing it was successfully delivered. 

Hence, I strongly believe that XXXX XXXX. Bank are giving me a runaround for no fault of mine.
Consumer complaint received 2017-01-26
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Continental Finance Company, LLC (GA)

They called me on XXXX/XXXX/17 @ XXXX I answered they hung up, then they called my mother in law who lives 4 hours away and is very sick, she calles me and I told her that i would handle it. I got home at XXXX and called XXXX @ XXXX they transferred me some where else that took forever for someone to answer and then this lady came on the phone. She was rude, her dog was barking in the background, she never told me her name I asked three times who she was. she told me that I needed to pay this amount now or they was going to take me to court and get everything I owned if not jail. I explained to her that I could n't right now and I wanted to know how the debt had gone from XXXX to XXXX and I paid XXXX on it in XXXX she said they have higher rates and I should have known that when I started the card. I told I would ot be able to do it and I and she said that I wasnt hurting her if I did or not. I told her I was not trying to hurt her, but I needed to look into this. now at the first of the call I asked her to stop calling my mother in law and so after I told her that I was not going to set up payment arganments with her she hung up on me while I was still talking. I noticed that the phone was still on so I told my husband what was going on and that I was going to talk to an attorney. Then I hung up. My cell rang again and it was her she was yelling at me telling me that I was not my husband and I was going around getting credit cards in his name she was accusing me of theft and she was going to call his job and boss to inform them about us. she called me a XXXX and told me I needed to learn to pay my bills she then hung up. Then my husbands cell rang and it had a different number on the caller id so i answered it she told me that she had recorded everything and was going to give it to the client and sue the XXXX out of me. I told her that was fine and I was charging her XXXX a minute for harassing me and my family. She said go ahead I 'm sure you can find me like you find the money to pay your bills and she hung up.
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (PA)

As per [ Case number : XXXX ], When PHH mortgage Stated in a letter to the Attorney Generals office ; XXXX, that my mortgage was paid in full, on XXXX XXXX, 2016. And where they stated to you people, " Consumer Finanical protection Bureau '', in a email, mortgage was paid in full. To this date, XXXX XXXX, 2016, I have not received the escrow money that is due me for the taxes and insurance, in the amount of : {$2700.00}. They did not send any money to the Tax collector, XXXX, Pa. XXXX. Tax Collector XXXX, Phone # : XXXX, nor to the Hazard insurance Company, XXXX, XXXX., XXXX, Pa. XXXX. XXXX phone # : XXXX, in XXXX 2016. My understanding is they had 30 days after pay off to send my Escrow money back to me. Again, I reiterate, we are now in XXXX 2016, three months later. 
On XXXX XXXX, 2016, My attorney, XXXX, from the office of ; XXXX, sent PHH Mortgage a letter asking for the Escrow. The letter was to no avail. No response, nothing. The letter was completely disregarded.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY (CA)

I moved to US in XX/XX/XXXX under XXXX. I have secured credit card with WF, XXXX branch, XXXX XXXX. I applied for unsecured Credit card in XX/XX/XXXX and received a letter to submit copy of my SSN, which I did promptly. XX/XX/XXXX I received communication from XXXX citing that my credit card has been rejected because I am not a US resident. No one told me this when I applied at the branch. they pulled my hard credit. There is no where mentioned on WF site that they dont issue credit cards to NON US residents. Its pure discrimination. i have credit cards and from other banks and departmental stores. I maintain healthy credit profile and have invested from my own resources in US in past one year. I dont have any problem on rejection from WF but the discriminatory attitude from the bank. Now i have closed my secured credit card account for XXXX USD with WF and they dont want to return my money for 60 days. i have no out standings in my account. I have written at the highest level but same replies.
Consumer complaint received 2024-10-25
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)

Because of this unexpected issue, I am asking for a detailed review of the documents I provided. This situation has been incredibly stressful, and I hope a careful check will mean I never have to worry about it happening again.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

Hi, my name is XXXX XXXX. I live in XXXX, CA. My property is XXXX XXXX XXXX, XXXX, CA XXXX. I have a very serious problem going on right now. I have a sale date scheduled for my home on XX/XX/2017. My servicer now is Shellpoint Mortgage Servicing, a division of New Penn Financial, LLC. My previous servicer was XXXX XXXX XXXX, XXXX ( XXXX ). I was under a loan modification review with XXXX and out of nowhere I receive a letter from Shellpoint Mortgage saying they are the new servicers while after receiving that letter I was still getting correspondence from XXXX for a very long time. I was very confused as to who was the real servicer was. That put me in a very bad stop because I never received goodbye letter from XXXX saying they have transferred my loan to another company. I was scared what if this Shellpoint mortgage was a scam company asking for my documentation. 
Back when the crisis happened my business went down. I lost my job and my income. I could not pay my mortgage. After a while I got back up on my feet. Found a job, my income got getter and increased. But it was still not enough to pay my mortgage so I turned to apply for a loan modification with the bank at that time. I got approved, they gave me a trial period payment it 's a three payment process. I paid, but as soon as I made the 3 payments in a course of three months they sold me to another bank, that bank did the same thing three payments and then sold me. Now I 've been working with XXXX XXXX XXXX for over four years now. It 's always a game with them. I apply, send them all requested documents, wait send more documents, wait, then a sale comes up, I XXXX out, I XXXX, I give them everything and they still try to sell the home. I already am exhausting all my energy. I want to keep my home, I want to pay my mortgage but can not because I never get offered anything. How much longer will I have to wait and keep this going? 1 year? 3 years? Will I ever get a chance to pay my mortgage at an affordable monthly payment? A loan modification is supposed to help me but I ca n't even get an offer. I now have a Sale date that is scheduled for XX/XX/2017 and I 'm scared that they will sell my home after all these years trying and me and my family will be left out on the streets. I called Shellpoint Mortgage Servicing and they said they have received all my documents but they can not talk to me other than their legal team. I asked for them to give me the legal teams contact information they said that someone will call you in 5 business days. By that time my home will be sold. I need to talk to someone now. No one will talk to me and they said that I do not have a single point of contact. I believe they have and are violating my Homeowner Bill of Rights.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 studying 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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

TransUnion continues to report currently late payments and a balance on an account with XXXX Bank, although XXXX sold our account to a junk debt buyer and ceased operations in XXXX. My family is being held hostage by this inaccurate reporting. The company sold the loan account and went out of business ... how on earth could they still be reporting late payments currently?
Consumer complaint received 2017-01-26
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MAS FINANCIAL SERVICES, INC. (OR)

The loan company made calls to my references when I was late on making a payment. They left a voicemail. In the message ( I have them recorded ) they mention who they are, that they are looking for me and to tell me to call his auto loan company immediately. So, my references then call me to tell me about how my auto loan company is looking for you. Then a few days later, they left me an automated message. The message basically stated ( XXXX ) that you need to pay your payment and to press one to speak to a LEGAL REPRESENTATIVE. This is flat out illegal, as these are not legal representatives. It just connects you back to the auto loan company. I also have a number of these recorded.
Consumer complaint received 2024-10-25
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. (DE)

I have an unauthorized inquiry from XXXX XXXX  on XXXX. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. XXXX XXXX have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft pursuant to 18 U.S.C 1028A. I have not initiated any transaction with XXXX XXXX furthermore i do not have an account as defined under 15 U.S.C 1693a ( 2 ) with XXXX XXXX  for review or collection. This needs to be removed immediately. Pursuant to 15 U.S Code 1681b without permissible purpose this inquiry needs to be removed immediately.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2017-03-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was a victim of fraud involving my Bank of America debit card. I immediately reported this to the bank on XXXX/XXXX/2017. Someone used my debit card numbers to purchase {$85.00} at a XXXX. I filed a police report the same day as I advised the bank. The bank advised me to call again the next morning, which I did. I got a recording saying the department was closed. I then tried contacting the bank using different phone numbers. I spoke to two more people who refused to do anything about the claim-including filing it. Today I went in person to the bank and spoke to a XXXX. This guy was rude, unhelpful, argumentative and told me to " sit and wait a week, then call the bank, then they 'll do something about it. '' This makes five attempts at filing this fraudulent charge and resolving the issue so that I can use my account. The transaction has been sitting now hung up as a " processing '' transaction for five days. Not only can I still not use the account, there 's no record of the fraud claim, and I have no useable debit card. The bank 's negligence is affecting me personally as I live alone and have only XXXX useable checking account, it allows the criminals to do this to others over and over and over again. XXXX flat out said " We will not look at video or question anyone, it 's just {$85.00}. ''
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I was completely stunned this morning when I saw incorrect accounts on my credit report, and I cant figure out why. I check my credit report regularly, and everything has always been fine, but today there were unexpected discrepancies. I tried refreshing the page, thinking it might be a browser issue, but the inaccuracies didnt go away. Given this situation, XXXX asking for a detailed review of the documents Ive submitted so that I wont have to worry about this again.
Consumer complaint received 2016-12-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (IL)

A relative who lived in California recently passed away, and had a Wells Fargo safe deposit box. During a visit to California to spread the cremated remains and attend to the tangible property of the estate, I appeared at the Wells Fargo branch with the box key and proof that I have legal authority to close the box. They would not let me do so because less than 40 days had elapsed since the death. However the manager opened the box, which was empty, and completed an inventory form that stated so. After more than 40 days had elapsed, I sent by certified mail a letter to Wells Fargo that stated that the box will not be renewed and offered options for how I could return the key to Wells Fargo. Despite confirmed receipt of the letter, Wells Fargo continues to send bills, now with a late fee, to a dead person for a service that has been cancelled in writing.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account with my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports