davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Notification of Identity Theft to Financial Institution and Credit Grantors XXXX2018 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Fraud Department : XXXXTRASNUNION RE : XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am writing to you to report that I may have been the victim of identity theft. I also would like to share with you the deletions of these accounts on XXXX  through XXXX and XXXX. I am requesting the following items be removed on my reports from your companies as XXXX has done already.

There are certain account activities/charges on my account which I did not make. I have listed these fraudulent charges below. Please remove these charges along with any finance charges or other charges related to the fraudulent activity.

Upon completion of your investigation, please alert the appropriate credit bureaus of the correction to my information.

The following accounts were fraudulently opened in my name. Please close these accounts : XXXX XXXX XXXX XXXX RE : XXXX XXXX XXXX

Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name. Immediately remove the account ( s ) and inform since it was fraudulent and that it should be removed from my credit profile.

Do not allow the sell or transfer of any debts related to the fraud and do not report these accounts over to a collection agency.

Please respond to me in no more than thirty ( 30 ) days of your receipt of this letter. Once you have completed your investigation, please correct all the errors on my reports and provide me with an accurate statement of my account.

Based on Federal Law ( The Fair Credit Reporting Act ) please immediately send me copies of the following within 30 days : Thank you for your assistance and I look forward to receiving the information requested above at your earliest convenience.

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-07-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Altisource Portfolio Solutions, S.à r.l. (CA)

Dear CFPB, I am writing to you because im trying to purchase my home, its been such a nightmare dealing with Altisource/XXXX  because they are the listing agent, escrow office and the title company.
After my offer was accepted as being financed, i received a call from my agent telling me that a representative from Altisource/XXXX  ( XXXX XXXX ) called to let her knowthat my offer will be cancel because the purchase was not Cash.
So i called back XXXX and she never answer my calls, i requested for a manager and i spoke to XXXX XXXX who told me that it is not on the best interest of the seller to sell the home to me.
So i was so confused since her response did n't make any sense. i told XXXX XXXX that my offer since day 1 was a financed offer and it was not fair that after i had paid for home inspections and a home appraisals. Altisource/XXXX decided to cancel on me because it was not on the best interest to sell me the house.
Now as of today 3 weeks later i got a call from my loan officer telling me that another mortgage company called him asking to provide a copy of my appraisal that i paid for because the property is being sold to another buyer who is purchasing the house FHA.
I believe this is not right, i feel that Altisource/XXXX is discriminating me since they are trying to cancel my offer to give it another buyer after we had a signed contract showing that my offer was accepted as financed offer.
Please help this is not right for me and my family.
XXXX XXXX
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion had a computer breach in their system that violated the rights of consumers under Section 6.11. Through this computer glitch/breach, my credit inquiries were deleted and reinserted. This glitch affected my credit score by removing inquiries which increased my credit score. Soon after, all of the inquires were reinserted to my credit report without prior notification ( written ) in violation of the Fair Reporting Credit Act ( Section 6.11 ) which caused my credit score to drop.I spoke with a Transunion  representative on XX/XX/XXXX to discuss this matter and my knowledge of the reinseration of inquiries on my credit report without notification. She asked for the dates of the inquires and acknowledged that the glitch did occur but that only XXXX XXXX consumers were affected. I was told that my inquires did not fall in the 2 year reporting limitation. They refused to fix their error on my credit report and advised that I get proof from creditors to delete this information. I am requesting that the reinserted inquiries be permanently removed from my credit report. I request that the following inquiries be removed immediately 1.XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX  on XX/XX/XXXX 3. XXXX XXXX MO on XX/XX/XXXX, XX/XX/XXXX 4. XXXX on XX/XX/XXXX, XX/XX/XXXX 5.XXXX on XX/XX/XXXX
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (DC)

I am asking {$450.00} promotional bonus from TD Bank due to promotional offer. On  XXXX   XXXX ,  2017  I opened a premium checking account and convenience checking account as brand new customer. According to promotional offer, If customer make {$2500.00} direct deposit can get {$300.00} bonus for premium checking. If customer make {$500.00} direct deposit for convenience checking can get {$150.00} bonus. Followed by these requirements, I had direct deposit more than {$2500.00} on  XXXX   XXXX ,    2017  to my premium checking within 60 days and another direct deposit more than {$500.00} to my convenience checking on  XXXX   XXXX ,  2017  within 30 days. I had asked bank numerous times including personal visit to branch, secured message, over the phone etc. to pay. However this bank used different excuse to refuse to pay {$450.00} bonus. In order to avoid monthly service fee, I am asking the bank to hold these  XXXX  accounts to pay {$450.00} bonus. OR I am asking this bank to pay {$450.00} and close these  XXXX  accounts.
Consumer complaint received 2017-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MD)

On Monday, XX/XX/XXXX I contacted the # on my Chase Slate Credit Card to report that I had lost my card. I was told by the person on the phone that my account would be closed and that I would receive a card in the mail in 4 - 5 days. <P/>I received credit card fraud alert on XX/XX/XXXX for an attempted XXXX XXXX purchase of {$640.00}. I checked my card activity online and noticed several purchases for XXXX. <P/>On XX/XX/XXXX, I contacted Chase Slate # and reported the erroneous charges. I inquired as to why activity was appearing on a chard that should be closed. Person on the phone stated that they had no record of my calling and closing the account. They stated that they are taking care of closing the account. I explained that if this is the case then it appears that these erroneous purchases are an inside job. <P/>At this point I am concerned about the credibility of this company and the security of my credit related information. <P/>Note : After contacting Chase the first time, I did find my card in the trunk of my car on XX/XX/XXXX. The card has been in my possession and I did not authorize any of the erroneous purchases.
Consumer complaint received 2018-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I refinanced with XXXX XXXX XXXX in XX/XX/XXXX, for {$210000.00}. The lender secuterized my loan, and the sponsor and master servicer was Countrywide LP. Then right after XXXX XXXX   XXXX defunct on XX/XX/XXXX, and Countrywide LP on XX/XX/XXXX, Bank of America Home Loans identified itself as the lender of my mortgage stating the he own my mortgage since the consumation of the loan on XX/XX/XXXX. Bank of America repetedly stopped the drafting of my payments from my bank, first alleging problems with their systems, but stating, " not to worry they were fixing the problems ''. And then, they would send letters of past due payments. On XX/XX/XXXX, we applied for The Hardest Hit modification program to reduce the principal of the predatory mortgage that we were induced to accept from XXXX XXXX XXXX. The agreement that Bank of America signed with the Hardest Hit Program was to match the {$50000.00} paid in the homeowner behalf for a total of {$100000.00} reduction of the principal of the mortgage with a fogiven amount of {$38000.00}. During thee anniversaries years if by the end of the last day of the month I was not pastdue 90 days or three months. Bank of America continued the abusive practices as Countrywide stopping drafting the payments from my bank, reporting me to the credit bureaus and acting as if we were not paying. Again telling us not to pay attention to the computerized automatic letters sent. The very same year of the hardest hit modification they stopped the draft of the payments with the intention to keep the {$50000.00} from the state program and to lead me to foreclosure to take my house. But before the 90 days, they wanted us to be late we paid them. Then on XX/XX/XXXX and XX/XX/XXXX they played the same dirty game, but on XX/XX/XXXX they crowned their evil plan by sending a series of modification packets that we ignored. One of their packets included a " Clarity Commitment '', stating the following, '' your new principal balance {$120000.00}, past due interests {$1600.00}, services expenses paid to third parties {$38000.00} total, of {$44000.00}, negative amortization and a ballon payment of {$81000.00}. When I was not behind and my principal balance without counting the unapplied payments was only {$80000.00}. I want a full double sided, certified " true and accurate '' copy of the original promissory note and security instrument and all assignments of the security instrument. Full name of trust were the note number is trading and the identifying series of certificates. Full name, addres and phone number of the custodian of my original promissory note. a complete audit history from alleged loan origination showing the dates payments were applied and to what account ( principal, interest, suspense, escrow, etc. ) to the date of your response to this letter. an itemized statement of all advances, charges ( late fees, fees incurred to modify, extend or amend the loan since the date of the note origination to the date of your response to this letter.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (DE)

on XX/XX/XXXX i called gm financial to resolve an old debt. The representative there transferred me to a collection department to make a payment. after making the payment, my credit report was suppose to be updated to a paid status, which they did for a few days before switching it back to unpaid. every time i call gm financial there is always an issue with my information in there system and half of them ca n't get past authentication because personal info is not correct either. I gave them my dob, ssn and address but because my telephone number does n't match i would need to be transferred which would start a transferring nightmare one after the next. Its been four months since gm took the payment and they have n't been able to update the credit reporting agencies or the account in their office properly or in a reasonable time frame.
Consumer complaint received 2017-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (IN)

I took out a car loan with Chase Bank on XX/XX/XXXX through XXXX. I paid {$3000.00} cash down. Payments of {$260.00} began XX/XX/XXXX. I have been paying in cash most of the time, but lately, pass few months some times I have been asked to show my ID to pay in cash. When I did n't show my ID on XX/XX/XXXX, the payment was accepted. On XX/XX/XXXX the teller refused to accept my payment without my ID stating '' The process could not be completed without my ID. because I was paying with cash. I ask " why, she replied that Chase requires an ID to be shown to complete a transaction with cash.I stated that I paid the bill last month without showing an ID. She stated '' they must know you there or you have an account there. I replied, NO, I just have a car loan through Chase Bank. She apologized for not being able to accept my payment. I took my money back and contacted FDIC over the internet and filled out a complaint about Chase but it would n't go through. I then contacted FDIC through their XXXX number to be told '' Chase is no longer affiliated with FDIC and was referred to CFPB.
I just want to pay my bill the way I want to pay it without any hassles as I have done in the past. I looked at my receipt from Chase and it states that '' JP Morgan Chase Bank, N.A. Member FDIC, Equal Housing Lender. Please explain what the person meant by Chase not being affiliated with FDIC.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

I have contacted the agencies regarding the tax liens on my credit report. I advised of the law that was passed on XX/XX/XXXX and asked what verifying information do they have and notging has been provided.
Consumer complaint received 2018-04-17
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: Clarity Services (OH)

NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CROA requirements!
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have contacted the agencies regarding the tax liens on my credit report. I advised of the law that was passed on XX/XX/XXXX and asked what verifying information do they have and notging has been provided.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Wife received a letter that wanted personal information. She called and reported it to lenders fraud dept. Never heard back. Attempted to use card - denied. Called & was referred to money laundering dept. Told since she did not respond they closed acct. In order to reopen they want my income, etc. I refused as I have had the card since XX/XX/1976 and have a XXXX FICO. I was never notified of cancellation I am the co-applicant. I am concerned that they will show the card as just " closed '' and that will affect my credit score.
Consumer complaint received 2018-04-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I made additional payments on these accounts with the original creditors which the collections agency is not considering in their accounting. I have advised the company of this fact twice, but they have neither researched my complaint nor even acknowledged my statements to them. I am asking them to reach back out to the original creditors to verify the last balance is accurate. Every time I dispute, the collection agency merely sends me a copy of monthly statements but that does not help me discover the payments posted after the 60 day delinquency date.
Consumer complaint received 2017-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

On XXXX XXXX 2017 I arrived at Onemain Financial Branch located in XXXX California. I proceeded to apply for a loan and was informed I was approved for XXXX by associate XXXX and her District Manager XXXX. I was unable to stay later to complete application due to having to go to work and was informed I could go to another branch closer to me to complete application if needed. I went to XXXX XXXX California branch on XX/XX/XXXX and was informed I could not be approved. They did not ask for my most current paystub or any documentation and added inaccurate information to my application so it then showed I was not approved because my debt to income ratio was not accurate. I was extremely confused and upset because I had expected I would be getting funded. Although the original underwriter, the district manager approved my loan initially I was informed it could not be funded due to the information received by the XXXX XXXX location which was not accurate. They added payments to my application that were n't actually payments. If you approve someone initially as a company I believe you should honor that. I do n't understand the inconsistent underwriting and I think that needs to be dealt with company wide. As a previous customer who made her first payment on time and paid off loan I am also extremely disappointed in their practices.
Consumer complaint received 2017-07-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

{$860.00} has been paid to Carrington Mortgage LLC since they took over my mortgage from XXXX XXXX XXXX. They have taken more money than what is required for the monthly payments yet it does not reflect the payment amount made on Carrington 's website. The principal has increased on the house for no reason and when I asked XXXX XXXX for an inquiry, Carrington mortgage refused to comply with credit karma and the account of Carrington Mortgage was removed and they no longer report on my credit report. But what is the most concerning issue is the raising of the principal on house, it is not an accounting error, is it a deliberate act of hiding the payment, the amount and the transaction. <P/>I have records of every payment thru XXXX XXXX, please contact me or XXXX and I will release that information as necessary. <P/>Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-07-03
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. (OH)

I submitted disputes on my credit report with Transunion, XXXX and XXXX on XX/XX/XXXX. I included all required information to prove my identity including my driver 's license and a current electric bill. All 3 companies sent me letters stating that they needed more proof of my identity before they could do anything. On XX/XX/XXXX I sent all 3 companies a copy of my driver 's license, a copy of my social security card and a copy of a letter from the post office showing my change of address along with my disputes. Once again they have sent me letters requesting the same information from me that I have already supplied them with such as, ID, Social Security Card and proof of address. My letters were very clear and I believe this to be a stall tactic on their part to allow the creditors that I am disputing to have more time and keep these items on my credit report.which is a clear violation of my rights as a consumer. This is keeping me from getting a mortgage because they are n't doing their job properly. Please look into this because this is hindering me from doing a lot.
Consumer complaint received 2017-07-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I obtained this loan on XX/XX/XXXX, 2017 to consolidate some of my other bills. I went into the office of OneMain Financial located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX assisted me with the paperwork. I thought this was a good thing at the time to really help me with my financial needs. It was n't until about 3 weeks later when I learned of the {$950.00} fee just for doing the loan. I had talked with my XXXX XXXX insurance agent and was offered a loan with a much lower interest rate. This is when I discovered the outrageous fee on top of the 16 % interest rate. I am a senior citizen on a fixed income and I was NOT told of this FEE at the time I applied for the loan. Since trying to get the pay off info from OneMain, it has been a nightmare. I truly feel they took advantage of me by not clearly explaining & pointing out the {$950.00} fee BEFORE I took out the loan. Nearly a {$1000.00} FEE is certainly NOT how you help a senior on a fixed income. Then they took my 1st loan payment from my bank account on the XX/XX/XXXX when my 1st loan payment was set for the XX/XX/XXXX, per the contract. I was given the run-around when I asked for the pmt to be reversed on X/X/17. They said to get a bank statement showing the pmt of {$460.00} cleared and bring it to the office and they would cut me a check for that amount right then. When I got there with the proof from my bank they refused to give me the check and told me it would be processed and mailed in about 1 week. I need this money now. By the way, my loan amount w/ OneMain was {$18000.00} on X/X/17 and the pay-off amount effective X/XX/17 is {$20000.00} through X/XX/17. I am going with the XXXX XXXX XXXX loan to pay off OneMain.This place is SHADY in my opinion and preys on people like me, a senior citizen. They need to be investigated.
Consumer complaint received 2018-04-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (GA)

XXXX XXXX credit card w Citibank We moved and we didnt receive notice from XXXX XXXX and they reported in paid balance {$200.00} and its ruined my credit score and I have tried to resolve w no luck and they wont except phone calls only fax w 60 day turn Arounc