davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2015-07-24
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (GA)

On XX/XX/XXXX I used services of Western Unionto send a small sum of money to my mother inXXXX. The transfer was immediately suspendedand explained that my name resembles someone 's onthe OFAC sanctions list. I provided all my personalinfo along with the copy ID to WU security dept. and alsochecked my name on that list. Neither mine nor my mother'snames showed up. However, WU still evading myquestions about time frame they need to verify my infoand why they are lying about the sanctions list. May be I'mmissing something, but the same situation with the listhappened to my brother-in-law who tried to sendmoney to his mother, also in XXXX, this month. 
Thank you for your attention
Consumer complaint received 2016-03-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

When I opened by checking account with Chase Bank, I made a written agreement not to honor any EFT 's nor other debit transactions because I did not like to be bombarded with excessive bank fees. Chase Bank refused to honor this written agreement and bombarded my checking account with a total of {$450.00} bank charges. I am a XXXX retired individual and with a flat income that I receive each month, I can not afford to pay these excessive bank charges. Please help. I tried to call their Customer Service Call Center but I get transferred too many times and I am unable to get a response back with these bank charges. Chases refused to abide with the written agreement that I had with them. Attached you will find the agreement that I signed for. Thank you.
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX -- -XXXX XXXX AND XXXX XXXX XXXX XXXX INQUIRES ON MY CREDIT BY NEGLIGENCE ( XXXX ) TOTALING XXXX-BUREAUS TRANSUNION-XXXX-XXXX.
Consumer complaint received 2024-11-13
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. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MI)

I made two payments earlier this year to start paying off my student loans through EdFinancial. First, I made a {$2000.00} payment on XX/XX/year> ( Taken out of my bank account on XX/XX/year> ). Second, I made a {$1000.00} payment on XX/XX/year> ( Taken out of my bank account on XX/XX/year> ). Both payments seemed to go through fine but when I went to make another payment about a month later I realized these payments had not shown up in the payment history. I contacted EdFinancial and they told me that since the loan was recently taken out it can take up to 90 days for payment to show up correctly. So I waited the 90 days and nothing has shown up. I started to research if this had happened to anyone else and found that I lot of people had similar issues and the only way they got their payment to show up was by sending in a complaint through here.
Consumer complaint received 2016-02-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Charlottesville Bureau of Credits, Inc (VA)

I have recordings of XXXX different poeple giving me XXXX different reasons for a XXXX. ** amount. First was a remander amount of XXXX. When I called in XXXX tobpay amount in full. My charge was for XXXX including fees and interest on the full XXXX amount. My questions I wanted answered on this has yet to even be addressed and is where my dispute is. The other reason for this XXXX amount was said to be a bounced check ( which I am neither confirming nor denying because it was not my check. ) Also the third reason for this amount was a separate XXXX dollar bill in itself. I have these recorded and XXXX separate companies of which my medical debt was through who were told XXXX of these reasons on the wxact same day. I have requested reciepts in regards to what my payments have went to in detail so I can either agree with them or shiw a mistake was made. I am told i will be sent one and never received one. However, I am refused help. When asked not to be transferred and to speak with a manager I am denied. When asked to leave voicemail I was told mabager does not have one. When asked to handwrite a message for manager they refused to. All of this is recorded and I can prove it so there is merit. I was told yesterday that the manager was out then received call from XXXX who was helping me and said she just talked with her. My issue is the lack of answering questions, a lack of giving me rightful procedures to follow to complain on one in offuce person in paticular who transfered me twice when I ask to please not to. How can I deny nor agree to this debt when they refuse to address any of it? My first concerns popped up when new amounts arose. Im not saying they havent been there the whole time. Im saying they were not in the amount when I myself first tracked vcs down XXXX to start paying my debt off. I asked to pay XXXX lowest amounts first. That XXXX was not mentioned. Later it shows up.i call just asking for more details and that is when I was transferred out of office, not guven proof of payments to certain accounts, and the run around in regards to any manafer of any kind. They made a issue when they have failed to give me proof of all this new stuff. So yes I wanted more details befire paying off. I am not satisfied with there answer. Especially with the no merit comment when I do have recorded, written, and person wittness ( from who they deal with personally not me. ) Regards, XXXX XXXX
Consumer complaint received 2015-07-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I signed up for XXXX XXXX 2015. I provided them with a debit card number ending in XXXX. I was not aware that my XXXX month subscription would automatically renew until I saw an additional charge debited from my account on XXXX XXXX in the amount {$110.00}. The card that I provided to them in XXXX 2015 was deactivated XXXX 2015. I never provided XXXX with the card number for the new debit card because I just assumed that once my XXXX months were up that my subscription would just end. I contacted XXXX and they refused to refund my money. I contacted Bank of America where the account is located and filed a dispute. They informed me that XXXX has the ability to provide them updated information even though I did not provide that information to merchant. I have never heard of such a thing. My account is now overdrawn because of a charge that I did not authorize.
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

My " mortgage company '', only because GMAC dropped us there when they quit us, Ocwen once again is trying to push us, who have never missed a mortgage payment in our lives, into default by continuously not mailing us a payment request form. They did this to us a year ago and after complaints they resumed sendings. Last month : nothing ... we had to dig up information and write them a letter along with our payment. This month again nothing. they seem to be trying to deliberately cause a problem for us. We onle owe {$48000.00} on a {$200000.00} home. they seem to want to get their hands on our home through default.
Consumer complaint received 2016-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (FL)

XXXX changed my bill without authorization, causing me to cancel my service. I canceled as soon as they notified me on XXXX XXXX, 2015 that my bill was going to be {$320.00}, however they took 16 days to process my request for cancellation and proceeded to charge me for those 16 days. Had they processed my cancellation promptly their systems would not have thought I had a pending bill. They then proceeded to put me into collection for {$110.00} that I did not rightfully owe them. I proceeded to pay it to avoid any impact to my credit and I intended to take the issue up with XXXX directly as opposed to the collections agency. The collections account has hit my credit 2 months in a row now, the alleged debt having been paid on XXXX/XXXX/2015, before either derogatory mark was applied, XXXX on XXXX/XXXX/2015 and the other on XXXX/XXXX/2015, to my XXXX report. I would like these removed from my credit history, my credit score recalculated without the derogatory marks, and a written apology from the CEO of XXXX for stealing from me and then ruining my credit even though I paid the amount they were asking for. I lost almost XXXX points from my credit score because of XXXX and Southwest Credit Systems L.P.
Consumer complaint received 2024-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (TX)

On or around XXXX I have been having on going problems with making purchases I have reach out to both Card Member Services in XXXX XXXX XXXX in they both have failed o adress the following issues even after filing a former complaint with XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc. (MA)

Hi, my name is XXXX XXXX and my story is I purchased some assets from Coinbase around XX/XX/XXXX and XXXX. Their system was glitchy. They had me write down multiple passwords. Then their AI bought customer service that advised me to delete my account And requested that I give them my password and which I told him that I was given 12 different passwords and then they told me that I needed the 12 word security seed phrase in order to get and restore my account and then my assets right there the block chain somewhere and then I could not get them. 

For the next two weeks with useless customer service and trying to access and recover my accounts and funds myself. I discovered that my funds were accessible and they were on a third-party joint block chain app I started my own theory and domain name to transfer my assets that I bought from Coinbase over to my account, but apparently Coinbase has custodianship over my assets.

When I said, I found my assets and I wanted them in my account. They then told me that I needed permission to get my own assets that they told me number one could only be retrieved with 12 word password which I found without, that they couldnt do anything, that they were lost forever, that I could never find that there was no way to retrieve those accounts or funds and then when I find them, they tell me that I need permission and that I have to wait for my funds is the long story short of the story.

On top of that, the severe emotional distress and acute stress has been unbearable. I haven't been sleeping. I have been eating. My mental health is declining, and this is all because I decided to go with the company that every day since I went with them, I regret every single waking hour mid second that I spent, only trusting them acquiring my XXXX they said I could not get and then later tell me I need permission to get them and that they're in their custody. 

They even have an asset recovery page on their website and then whenever I put that the exact precise details of my account, the transaction ID or cash number it doesnt go through. 

Here I am XX/XX/XXXX. I submitted my over {$12000.00} to them and I have no access to it and they completely lied to me and now theyre keeping my accounts from me telling me I need permission and that I need to wait. They told me I could never get that. This is whole situation is not right, is clear unfair and deceptive practices going on, and am seeking criminal justice for court bases unethical and immoral business practices.
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Northwest Trustee Services, Inc. (WA)

I represent XXXX and XXXX XXXX who own a home located at XXXX & XXXX XXXX XXXX, XXXX, WA. On XXXX/XXXX/XXXX Northwest Trustee Service [ NWTS ] issued a Notice of Trustee 's Sale set for XXXX/XXXX/XXXX. Under state law, the trustee is a duty to act impartially and in good faith to the borrower, beneficiary and grantor. I 've been in communication with NWTS attorney XXXX XXXX regarding whether or not XXXX Bank has the actual note. XXXX XXXX wrote that he had been in communication with XXXX 's attorney on the issue but refuses to identify that attorney. I believe NWTS is acting as both trustee and XXXX 's attorney. I believe that is fraudulent.
Consumer complaint received 2016-02-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (PA)

We have been contacting phh mortgage for a assistance plan since XXXX or XXXX Everytime we send them what they ask for the assistance is denied. We 've received a letter with a supervisor name I called multiple times and I 've left maNY messages and no return call. Last week I called the number and now the msg says XXXX is no longer employed with phh. So I took down another extension for XXXX I believe. It 's going on 6 days and no call. We 're frustrated that they refuse to complete the assistance or give us a loan modification. Can someone pls help up? We want to keep our home. Just need a lower payment til XXXX gets XXXX. We 've given all the info to phh. We 've also had several loan managers and they dont return calls like the supervisors and reps. 

XXXX XXXX & XXXX XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Subject : Ongoing Dispute Over Inaccurate Reporting of XXXX XXXX Account Dear CFPB Representative, I am writing to formally escalate my complaint regarding ongoing inaccuracies in my credit report related to a XXXXXXXX XXXX  account. Despite over 120 days of documented disputes with XXXX, TransUnion, and XXXX, the agencies continue to report inaccurate data on this account, causing severe negative impacts on my credit score. 

Issue Summary On XX/XX/year>, I disputed inaccurate information on my credit report regarding a XXXXXXXX XXXXk account. I have submitted evidence that XXXXXXXX XXXX provided updates to the credit reporting agencies on XX/XX/XXXXXXXX XXXX XXXX that I was never late on payment for XXXX, XXXX, and XXXX per my XXXX XXXX Report confirming that the initial report was inaccurate. However, the agencies continue to report the information as accurate, despite this proof and currently reporting as of XX/XX/scrub>XXXX 

Impact on My Credit and Well-Being The inaccurate reporting has significantly lowered my credit score by over a XXXX point, creating financial hardship and impacting my ability to secure credit. This has caused considerable emotional stress and disrupted my financial stability.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I am filing a disputed account with Equifax through the CFPB, because I am currently XXXX in XXXX and my disputes have always been returned as verified by the Creditors, no matter how much documentation I provide. I filed a lawsuit against several of my Creditors for the disputed adverse information reported to the Credit Reporting Agencies and all of them denied that they had been contacted by Equifax in Court documents. I dispute that my payments were delinquent in XXXX on the XXXX XXXX account ending in XXXX and that the account was wrongfully charged off. I was a XXXX XXXX serving on XXXX XXXX from XXXX XXXX until XXXX XXXX. The XXXX account was in XXXX XXXX, and I had 21 % APR on my {$490.00} pre-service obligation, I requested the SCRA XXXX XXXX in XXXX XXXX. XXXX ( a ) to limit the interest charged to a maximum 6 % APR during the period of my XXXX XXXX military service by mail and by Faxes with copies of my orders several times. 
XXXX claimed that they had n't received copy of my orders and had increased the interest charged to a 26.99 % APR, then a 29.99 % APR, they did n't grant my SCRA request until XXXX XXXX, and removed all of the adverse information filed with all three Credit Reporting Agencies throughout the whole period of my military service. XXXX adjusted the {$780.00} balance for XXXX account in XXXX XXXX, but only for the {$110.00} interest charged in XXXX and XXXX of XXXX. XXXX sent a letter dated XXXX XXXX, XXXX, stating no payments were required on the XXXX account until XXXX XXXX, XXXX or until I was released from XXXX XXXX. 
I had asked that XXXX adjust the remaining {$670.00} balance on the XXXX account several times for all of the interest charged at the 21.00 , %, 26.99 %, and 29.99 % APR, and interest charged, as interest is defined in App. XXXX ( d ) for the purpose of the XXXX, to include any late fees, return check fees, and service fees, because I was charged several of these fees during the period of my military service between XXXX XXXX and XXXX XXXX, which rapidly increase the {$490.00} pre-service obligation, despite all of the payment I was making. If XXXX had properly adjusted the XXXX XXXX account ending in XXXX for the interest and fees charged back to XXXX XXXX, as the XXXX provision of App. XXXX ( a ) requires, the remaining {$670.00} balance would have been a negative {$12.00}. I provided XXXX copies of all of my orders during my period of military service on their SCRA website. XXXX knew that I was XXXX to XXXX on XXXX XXXX in XXXX and that in XXXX XXXX my XXXX was extended until XXXX XXXX. I did n't know that the XXXX account was reported delinquent and charged off before the payment was even due on XXXX XXXX, XXXX, but the {$670.00} balance that was reported owed for the XXXX XXXX account ending in XXXX since XXXX XXXX, was never properly adjusted for the interest charged as required and without my knowledge was charged off in violation the SCRA provisions of App. XXXX XXXX a ) while I was XXXX to XXXX on XXXX XXXX orders until XXXX XXXX.
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (CA)

My XXXX payments of XXXX were never credited to my account. when i called to question they stated that they sent me back XXXX payment of XXXX when I NEVER requested this. My account is showing negative on my credit report and do not know where my money is at.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I am filing this complaint regarding Chase Banks recent decision to close my account without providing any specific reason. After reaching out to Chase Bank multiple times, I have only received vague responses, and they have failed to explain the exact reason for their action. Furthermore, my attempts to open a new account have also been denied without any clear justification. 

My account was in good standing prior to its closure, and I am confused as to why these actions have been taken without any proper communication.
Consumer complaint received 2016-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants and Professional Bureau, Inc. (TX)

I am disputing the charge of {$470.00} on my credit report from XXXX XXXX XXXX. Apparently a final bill that I never received. {$510.00} seems high for a residential utility bill?? however if that was the final bill I had with XXXX the {$50.00} refundable deposit would have reduced the bill to {$460.00}.?? I dont know ... this is not my bill ... 
Please help me to resolve this issue to clear from my credit report. It is being reported by all XXXX bureaus. 
Attached is a copy of my XXXX application and refundable deposit amount. 
My desired resolution with XXXX XXXX XXXX is to show this bill as Paid as Agreed or even better deleted from my credit report as it is showing under collections.