davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I had a number of identify theft issues in a 3 month span. Someone tried to file a tax return in my name, I received a credit card in the mail I did n't order and I received a letter saying my information may have been compromised. I was advised by the IRS to contact the XXXX credit reporting agencies and put alerts and holds on my accounts. I unwilling signed up for services with Transunion and was charged a monthly fee. The whole process was confusing and at no time was it apparent that I was signing up for paid services. I cancelled the subscription and was compt XXXX fee, but not all. To date the only money that I 've lost due to " identity theft '' has been to TransUnion for their dubious business practices and misleading information. 

Dealing with identity theft is confusing. TransUnion preys on that confusion to make money. I 'm sure their business practices are technically legal, but it 's an unethical and horrible model. I think that if people are being steered towards them for help they should not be able to set traps.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX performed a credit check without my authorization or knowledge XX/XX/2016. I was notified through by telephone from a XXXX voice mail on XX/XX/2016. This is the second incident XXXX fraudulently participated in on the same day - see CFPB Complaint Number # XXXX. This is a red flag as it is the same fraudulent business practices similar to the XXXX scandal.
Consumer complaint received 2018-06-22
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. (FL)

Equifax /I do not remember authorized this company to obtain a copy of my credit report. This inquiry need to be removed immediately : Creditor Name : ( XXXX XXXX XXXX ) I want to see the application signed by me which should be on file. I want Name of person and their phone number of person you talk to verify credit inquiry.
Consumer complaint received 2017-02-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This additional information/dispute is related to CFPB Case number : XXXX : While transunion lowered the balance on the collection account, they did not remove the account from my credit report completely, which is what they should have done. I was a patient at XXXX XXXX in XX/XX/2016. They filed a claim with my insurance agency and sent me a final bill of over {$2000.00} ( see attached ). My insurance company sent me an explanation of benefits statement showing that I only owed {$310.00} ( see attached ) to the provider, not {$2000.00}. I repeatedly contacted the company told them to send me an updated statement ; they never did. So, on my own, I started paying only the {$310.00} balance in XX/XX/2016. I sent my payments to the address on the statement. Every payment came back undeliverable due to a bad address ( see attached XXXX online bill-pay messages ). Meanwhile, the company still refused to send me an updated bill showing that I only owe {$310.00}, and not the {$2000.00} they tried to swindle out of me. In XX/XX/2016, I was contacted by XXXX regarding this account. I was shocked and I told XXXX the entire story about how the company had never sent me a correct statement, and how I still tried to pay them the {$310.00} which I knew I owed, but the payments were returned undeliverable. I told XXXX I had all of the documentation. They told me that I 'd need to talk with a supervisor and that someone would call me ; no one ever called. I finally called them and stated that I was going to call XXXX XXXX again to get this resolved. They informed me that as long as I pay the account by XX/XX/2016, it would not impact my credit. I was furious at even the suggestion that this would impact my credit. This is a travesty and because of the bogus account hitting my credit report, I 've been unable to purchase my first home.
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I needed an easier way to get a list of electronic Fund transfers to my bank for my staff. I spoke with Wells Fargo. They presented me with a service that would be {$400.00} to {$700.00} a month. I stated it costs too much for the benefit. The following year I found that wells increased my monthly service charged and I contacted my business service person and he gave me his assistant ... ... months went by and I would have to initiate the conversation every month or so and finally said I was going to get an attorney involved. In the end thye stated I gave them verbal permission on XXXX XXXX ... when I asked for proof because I highly doubted they did not provide ... my business agent said he credited the account but t but I am not sure how much we really lost. I have received multiple credit cards for the account also. I still have in my possession. Another issue is I scan in desposits and I would receive letters months later saying there was an error and they took the money out of my acct to correct. However I have a staff member add it up and I input the bank system accepts only if it adds up so I am not sure how the mistake would take place ... 

I hope this helps others to come forward ... .These issue seemed intentional that is why I am posting.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (TX)

I applied for a Citibank credit card with a XXXX XXXX XXXX Aadvantage points sign on bonus if I spent {$3000.00} in 3 months. I spent over {$3000.00} in 3 months and did not receive my bonus. I complained and they said there is no bonus if you have had a card in the past 18 months. 15 months had passed at the time. They said I would NEVER get a sign on bonus if I kept my card. I saved a copy of the application terms and conditions ( I tried to attach it here but it would not let me ) and there is nothing about 18 months. It does say this offer is valid only for new account. This was a new account. Furthermore, when I complained they said I am being penalized 24 months from the current date to reapply and get a sign on bonus. They are penalizing customers just for getting one of their products? This is ridiculous. The XXXX sign on bonus is in LARGE letters. Maybe somewhere in tiny print is the 18 months limit but I can not find it. When they sent me my card they should have CLEARLY notified me that I was not eligible for the sign on bonus. Instead, they led me on so I would spend the {$3000.00} and get nothing. This is a DECEPTIVE business practice and the CFPB should investigate. I sent a letter to XXXX XXXX, President of Citibank and I am writing this complaint to the CPPB because of the nonsense response I received from a XXXX XXXX at Citibank who ignored the fact that I received no sign on bonus that they advertised in LARGE letters, that I would never receive a sign on bonus if I kept my card, and was being penalized for 24 months if I cancelled the card. I was so annoyed I cancelled my card and am writing this complaint. There is certainly nothing in the terms about a penalty. I hope to see XXXX XXXX before Congress like XXXX XXXX of XXXX XXXX.
Consumer complaint received 2017-02-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

This debt was paid in full to XXXX, XXXX, XXXX, XXXX XXXX XXXX on XXXX XXXX, 2016 ( see supporting documentation ), yet Portfolio Recovery Associates ( PRA ) continues to call my home phone and report the collection account as open with a balance of {$130.00} to credit bureaus. When contacted, PRA told me they could not discuss the debt with me because it was with an attorney. The attorney advised me to insist on talking to a manager. After several calls, I finally reached a manager who said she would confirm the information and correct the error. I called back to verify, the PRA representative rudely stated that she had no idea why I continued to call when both PRA accounts ( an older XXXX and the more recent XXXX ) showed a zero balance. I explained that I continue to receive calls from PRA and the account continues to be reported to all XXXX credit bureaus as open with a balance. She further informed me that they are under no obligation to report closed account to credit bureaus. I 'm at a loss for what to do next.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I am smart enough to write a dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to complete my dispute. So I guess it is possible that I may have missed something. I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that was inappropriate? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter
Consumer complaint received 2016-06-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (NY)

I have received phone calls from I.C. System. I explained to them plenty of times that they have the wrong person. They asked me to verify my personal information which I responded with a " NO ''. I also said unless they tell me the nature of the debt I will not disclose any personal information. Now I see I.C. System on my credit report with a address I never lived at my entire life. Which is XXXX XXXX XXXX XXXX, XXXX, Ny. I never lived there in my life. I want this debt and address removed from my credit report immediately.
Consumer complaint received 2016-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NY)

Approx 1 week ago I was notified by my per diem " employer '' that i was taken off of the roles, and would no longer be needed to stay on per diem status, and no full time positions were open. Today, I received notice from a collection agency ( Transworld Systems ) that a {$250.00} balance has been reported to the collection agency against my credit for un-returned uniforms. One week is not enough time to return uniforms, when the home office is over XXXX hours away. The uniforms were returned at this time, but the report of collections is still on my credit. Before this time I had not been notified that I was " taken off the roles '' until the employer called me to pick up some shifts, and then she noticed i was removed for being inactive ( not picking up any shifts recently ). So in 1 weeks time I found out I was done there and that the collection agency had taken action. No notice was given to me to return the uniforms, nor was any attempt made to notify me. This should not be reported on my credit. The items have been returned.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MI)

I have been associated with a XXXX XXXX who lived or lives in XXXX XXXX, Michigan for years and believe it has had a negative impact on my report. Also some birthdate saying I was born in XX/XX/XXXX. I would like an explanation for this and what it is this person in XXXX XXXX is doing on my credit report, and would like it removed.
Consumer complaint received 2017-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

This is the SECOND COMPLAINT against RUSHMORE LOAN MANAGEMENT SERVICES, LLC, XXXX FORECLOSURE and many, many others that you will see in my attatched documentation. 
We are being ILLEGALLY FORECLOSED ON by Rushmore Loan Management Services LLC, XXXX Mortgage for the XXXX XXXX, XXXX XXXX ( illegal trust! ), XXXX Bank XXXX XXXX, XXXX Foreclosure XXXX on XXXX/XXXX/XXXX. 
After submitting our last complaint in XXXX XXXX - NOTHING was accomplished!! We are STILL BEING ILLEGALLY FORECLOSED ON!! In California, we do NOT get the LUXURY of DUE PROCESS, and we CAN NOT take our case before a judge. Only if we have the XXXX +++ to do so. We do NOT. So, I ask you, CFPB, besides writing a little letter to these CRIMINAL ENTITIES, WHAT ARE YOU GON NA DO ABOUT THE CRIMES COMMITTED AGAINST US??????? I am submitting to YOU today, ALL DOCUMENTED FRAUD on our original loan documents, that Rushmore and XXXX feels that they have the right to use to ILLEGALLY FORECLOSE ON US!! I am sick and tired of submitting ACTUAL PROOF OF FRAUD AND OTHER CRIMES to Government Agencies - who by the way, take our hard earned tax payer dollars, and all they do is tell us that they CAN NOT help us! WHY NOT????? Let it be KNOWN, LOUD AND CLEAR, FOR ALL TO HEAR, that the Government Agencies that we go to for help, TURN THEIR BACKS ON US HOMEOWNERS, and let the BANKSTERS and their PARTNERS IN CRIME get away with STEALING AMERICAN CITIZEN ( and others ) HOMES!!! SEE ATTATCHED DOCUMENTS FOR MY COMPLAINT HERE ... ... AND I WILL MAIL YOU HARD COPIES OF THEM ALL ... ... ... .I HOPE YOU ACTUALLY GO AFTER RUSHMORE, XXXX, XXXX XXXX XXXX FORECLOSURE AND ALL THE REST THIS TIME ... ... ... ... ... .... I WILL NOT HOLD MY BREATH.
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (DE)

Rewards were supposed to accrue at XXXX % for everyday purchases and XXXX % for other purchases after a threshold of {$6500.00} is reached for the year. I reached it in XX/XX/XXXX/XX/XX/XXXX, yet AmEx continued to only apply XXXX % to everyday purchases and XXXX % to all other purchases. XX/XX/XXXX I contacted AmEx customer support, and they opened a case, promising to correct the rewards within 4-8 weeks. Checked back two months later, and was told the initial case was closed the same day it was opened with no resolution, with no explanation why. Another case was opened with a promised resolution by the end of XX/XX/XXXX, wasted time numerous times following up, and as of now there has been NO resolution - rewards earned in XX/XX/XXXX have still not been awarded a year later.
Consumer complaint received 2016-10-04
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NV)

I had already filed the complaint against XXXX where this mortgage first began. My now ex-husband was to take responsibility of the payments of the home since he was still residing in it and he was to get the mortgage out of my name completely. I was informed that XXXX did a modification which they would not supply me paperwork showing I agreed to any changes. Then it was sold to Ocwen Loan Servicing. Again no one at Ocwen will supply the paperwork showing that anyone had the authority to make changes to the original mortgage without my consent.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (CA)

I believe OCWEN LOAN SERVICING LLP has instructed XXXX to terminate my insurance policy. 

I am concerned that Ocwen LLP may have ordered XXXX to terminate my policy. All of XX/XX/XXXX Ocwen has vigorously attempted to destroy my credit and seize my property in spite of my 6 year perfect payment history and only failed to do so because of multiple CFPB complaints filed to report the actions they took. Please look into this. Thank you. 

Sincerely, XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX ; Date : XX/XX/XXXX at XXXX PDT To : # XXXX XXXX XXXX XXXXXXXXXXXX Cc : XXXXXXXXXXXX Subject : Notice of Non Renewal Dear XXXX XXXX/ XXXX , I am hereby requesting in writing to receive a detailed explanation of why my insurance is being terminated. 

What is the exact number of claims allowed and how exactly did water damage claims exceed that amount, especially since we are reopening claims that were not completed properly the first time around. 

My concern is that Ocwen Loan Servicing may be calling the shots telling my insurance company what they are permitted to do and trying to control my insurance to an extent that may be illegal. Ocwen attempted to illegally seize my home immediately after posting {$76000.00} of Keep Your Home California money and {$5000.00} Hamp incentive that I was awarded for never being late, never missing a payment for six years since the XX/XX/XXXX Loan Mod. If not for the CFPB complaints I made immediately, Ocwen would have reversed the loan mod and called the loan due as they told me they were in the process of doing. 

I need you to confirm that Ocwen is not forcing XXXX to terminate my insurance. Will this action lower my credit score and make it difficult for me to refinance and escape Ocwen? 

Please send me proof that the number of claims exceeds underwriting guidelines. Are those guidelines written by OCWEN to protect Ocwen instead of the home owner 's property? In some conversations with Ocwen employees Ocwen seemed to be indicating that my homeowners insurance belonged to Ocwen, that I pay for it but it is to protect Ocwen 's interests, not mine. 

Thank you. 

Sincerely, XXXX XXXX Cc : DOJ XXXX CFPB
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My condo lost XXXX of its value after 2008 and I now owe more than it is worth. 
I was happy to hear about HARP, only to learn that because my mortgage did not involve XXXX or XXXX XXXX I could not qualify. 
Is this right, and is it fair?
Consumer complaint received 2017-02-20
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SLM CORPORATION (TN)

I have CDs with Sallie Mae Bank. XXXX CD matured XXXX/XXXX/17. I received no notification by mail but representatives insist I was sent an email. In reviewing all accounts for federal tax preparation I found XXXX for many accounts except Sallie Mae which must be retrieved online only. In retrieving XXXX I noted a CD matured 11 days previously and called Sallie Mae the first day it was open after the discovery. They simply say their policy is to have email only notification which one must agree to when establishing an account and since I contacted them at 11 days instead of the 10 day window I had no recourse except automatic renewal or pay a 3 month interest penalty. I understand policy but although I get a monthly email that says log in for account update I find no email showing renewal information plus a monthly repetitive email with the same info would increase the liklihood of missing an email with something of real importance such as maturing CDs. Even so I find email only policy inadequate and unfair to seniors who are more comfortable receiving paper renewal. In fact, I deal with numerous online banks and find this one to be the only bank I have refusing paper notification of maturing CDs.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I was disputing several inaccuracies on my credit report. THE INFORMATION HAS NOT BEEN PROPERLY VERIFIED AND INVESTIGATED OVER THE COURSE OF A YEAR. IF THEY WOULD HAVE DID AN INVESTIGATION PROPERLY, THEY WOULD HAVE SEEN THE XXXX ACCOUNTS ARE INACCURATE IN REPORTING ON CERTAIN DATES ACCROSS THE XXXX BUREAUS. THIS IS AN FCRA VIOLATION AND WILL BE DELETED FROM MY CONSUMER REPORT NOW.
Consumer complaint received 2016-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OH)

I transferred my student loans to Federal Loan Servicing XX/XX/2015 from XXXX. I had been previously enrolled in the IRB repayment plan and was part of the Public Service Loan forgiveness program. On transfer of my loans, Fed Loan Servicing did not count any of my payments made while on IRB ( 35 payments ) towards my Public Service Loan forgiveness. Its been 5 months, XXXX phone calls and XXXX forms sent and this issue STILL is not resolved. Furthermore, in XX/XX/XXXX, I reapplied online for my annual application to remain on IRB. They " did n't process this application '' and " I 'm not sure why not '' so my monthly payment just increased to FIVE TIMES my normal payment because my IRB term has expired. They estimate it will take 2 months to process the application they originally did n't process. Meanwhile, I can forgo my payments, which they assure me wo n't count against my loan forgiveness but to my understanding this absolutely CAN result in me losing my eligibility for loan forgiveness. In summary, Fed Loan Servicing has literally done NOTHING on my account in the last 6 months and I now will be paying them {$5000.00} more over the next 2 months and am missing 35 payments towards the 120 payments needed for loan forgiveness. They are awful. If there was ANY OTHER WAY to do this ( another company ), I 'd switch! But I 'm tied because of the Public Service Loan forgiveness program.
Consumer complaint received 2016-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (CA)

The debt to XXXX XXXX is a checking account and credit card which is well past the 7 year period a person has to contact them. The company, as of recently, trying to collect the XXXX XXXX debt for pennies on the dollar is : From address : Jefferson Capital Systems , LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Return address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I had already sat in a XXXX XXXX branch, with a customer service XXXX, and spoke over the phone with another customer service specialist regarding this debt collection stretching past the 7 year period which I have proof of from a 2006 credit card statement. 

According to " Jefferson Capital Systems , LLC '' they will take XXXX % of the money owed and it will be paid off. From other people online who have fallen for similar debt collection agency tactics it does n't work. XXXX pulled that on people and they are now in a class action lawsuit. These are not fair debt collecting practices, especially regarding the recent climate of the jobs market 4 to 5 years ago.