davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX I wrote to TransUnion to complain that they were inaccurately reporting the age of my credit history, specifically the age of my XXXX XXXX credit card account XXXX formerly an XXXX Bank XXXX account until XXXX bought Bank XXXX ). I received a response today which addressed only the history of my XXXX XXXX account, which was not in dispute. I then called TransUnion to try to provide additional information, specifically that I could prove that the XXXX credit account had been open for at least 11 years, and probably longer. ( I am waiting for verification from XXXX as to the exact date, but I have statements dating back to XX/XX/XXXX ) I spoke to a customer service representative named XXXX, who told me that while I had had several XXXX accounts over the years, each XXXX had been closed at my request. I told him that that information was incorrect, and reiterated what I had written earlier : '' The problem appears to originate with the fact that XXXX assigns a new account number at least every three years. XXXX XXXX probably does as well. In recent years, new XXXX account numbers have been assigned with even more frequency after hacking breaches were discovered at stores such as Target and Home Depot. I have no control over such account number reassignments, but it has always been the same account. 
I realize that this request may be of little importance to TransUnion. But I am annoyed by the fact that, after a lifetime of prudent financial management, my credit score is n't perfect. Would you please, therefore, take steps to correct your records? " XXXX response was far from satisfactory, even after I went into greater detail as to how, even when the account numbers were changed, pending charges and my XXXX rewards credits were carried forward to the new account number. He emphatically stated again that I had closed each account, and that TransUnion would do nothing to further investigate the matter. 

Other than frustration at not being able to change my score to a near-perfect rating ( according to XXXX, my TransUnion score as of today is XXXX ), this problem does not have any particularly negative impact upon me. But XXXX people who apply for car loans, mortgages and credit cards have their interest rates determined in large part by their credit ratings. It strikes me that credit reporting agencies such as TransUnion may very well be colluding with banks to intentionally lower credit scores in order that banks can justify the imposition of higher interest rates. 

Thank you for any help you may be able to offer concerning this problem.
Consumer complaint received 2015-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (CO)

Received a collections letter on XX/XX/XXXX from debt supposedly owed from XX/XX/XXXX. Never once have I received any outstanding charges notification prior to this letter. On top of that never once have I stepped into any one of the buildings of this company.
Consumer complaint received 2024-10-16
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. (NY)

They are posting charge offs from XXXX XXXX on my credit report monthly. 15 USC 1681 ( e ) ( b ) : the credit reporting agencies have the responsibility of reporting maximum accuracy to your credit report. They are reporting income to my credit report when they are not allowed to do so. Due to the status being a charge off, it is considered cancelled or forgiven debt by the IRS.
Consumer complaint received 2015-03-29
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Contacted BankofAmerica.Reference to Mortgage loan being delinquent. 
Entered into a short forbearance payment plan, to start on XXXX/XXXX/2014 with XXXX for 4 months. This would catch us up to current status at end of XX/XX/2014.Have submitted XXXX pmts of XXXX by transfer of our checking acct, Totaling XXXX to mortgage dept andstatements showing confirmation # Received and posted.to misc.posting But, due date notcorrected.On last pmt. to be made, We contacted BOA due to an emergency, Had to usedlast pmt funds .Come to find out loan xferred to other lender.With info. not being corrected. 
Nationstar working with us on modification of our mortgage loan, but, show us for XXXX pmts past due.Request, to locate funds.Where are our pmts? Even out interest and escrow acctsare wrong.Pls Help.
Consumer complaint received 2015-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (NV)

On XXXX, we went onto our mortgage servicer 's website, Ocwen loan servicing to check to see if the information they have was correct. We noticed the last time Ocwen reported to the credit bureaus was on XXXX. We also noticed that we had no information prior to XXXX XXXX. In XXXX of the credit history reports, it reflects that Ocwen notified the credit bureaus a XXXX on XXXX & XXXX XXXX, when were were not late. We sent our payments to Ocwen by certified mail after we received our HAMP modification in the beginning of XXXX. Ocwen also shows that we have no payment history for XXXX XXXX, XXXX thru XXXX XXXX and XXXX XXXX to present. Please review our payment history printout. As you can see, from the payment history report that was printed on XXXX, we paid Ocwen on time since XXXX. Please review all enclosed documents. On XXXX, we called Ocwen to have these issues corrected but Ocwen failed to accurately report once again to all the credit bureaus. On XXXX, we went back on Ocwen 's website and printed up more documents. As you can see, Ocwen changed our credit reports and is now showing, no payment history available from XXXX XXXX & prior which is incorrect when we made our mortgage payments every month and on time ever since we had received our HAMP modification in XXXX. Per CFPB request, we can provide documentation that we made our payments and on time! If this occurs, Ocwen must be held responsible for my time/costs to locate all the documents! On the new credit history report from Ocwen, it reflects no history in XXXX, no payment history available from XXXX to XXXX XXXX, XXXX to XXXX XXXX. Enclosed are copies of the reports printed from XXXX website along with the credit bureaus reports for XXXX XXXX and XXXX XXXX along with a HAMP modification that was executed in the beginning of XXXX. Again, we sent all of our mortgage payments to Ocwen by certified mail every month and they were on time. Ocwen loan servicing has failed to comply by the law ( s ). Ocwen has failed to report our mortgage loan by law to all of the credit bureau 's on time ( monthly ) and accurately. Ocwen and it 's affiliates must be held accountable for their actions but not limited to the following ; fines being imposed, loss of business license, criminal charges, lawsuit. By Ocwen not reporting on time and accurately, Ocwen has damaged our credit history/rating ( fico scores ) causing us not to be able to get a loan. We request that Ocwen loan servicing correct these issues and report accurately going all the way back to XXXX, to all of the credit bureaus immediately.
Consumer complaint received 2015-05-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P. (OK)

I got a letter from XXXX today on behalf of LVNV Funding LLC on a debt from XXXX XXXX XXXX XXXX. No Full Account number listed. Since LVNV Funding LLC could not provide verification of debt on the last one they sent out I am sure they can not on this and the only verification I will accept from these are the followingSigned copy of the contract, Fully payment history, last payment madethis is notice that this is disputed and they are in violation of consumer protection rights actually. I never heard of this company and all of a sudden they are sending my info out to several companies : XXXX Capital Services XXXX XXXX Capital Services, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX - all of these are XXXX. None of these companies have I ever heard of or from. Since my last cc was paid off in good standing they have to prove to me that I owe the bill and not just expect me to pay a bill they say I owe in their computer system because anyone can type up information and put it in their computer.
Consumer complaint received 2015-10-08
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AR)

Checking my credit report XXXX Carrington Mortgage Company has place that I have filed bankruptcy. I have explained to these Credit Bureaus that I have not filed bankruptcy however they continue to come back after I dispute it saying that Carrington Mortgage will not remove it. I have called them and they are not fixing. 
My second issue is, XX/XX/XXXX 2015 I asked what the balance of my escrow account. The rep told me the balance for this year was {$1100.00}. I gave her my credit card number and asked her to pay my escrow in full, which should decrease my monthly payment to {$770.00} which is the interest and principle. The next month my statement showed a credit that was applied to my payments instead of the escrow account. I called and spoke to a rep and explained the situation over again. They said they would investigate it. I did not pay them for XX/XX/XXXX 2015 the month that they showed the payment for because I was pending the result from the investigation. In XX/XX/XXXX 2015, two months later, they finally reversed the payment and put the {$1100.00} towards my escrow. When they did that I they began to show my account late and charge me late fees and my payment remained the same, actually going up to {$890.00} from {$870.00} when my account was at XXXX.
Consumer complaint received 2015-07-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (OH)

This individual enter our lives back in XXXX 2013. This individual with the intent to defraud my family he built our trust and confidence, and misrepresented himself as a entrepreneur/multi millionaire. After he built our trust he wanted us to open an Assistant Living Facility business. I explained to him time and time again it takes money to open a business and we do not have money to do that! This individual kept pressuring to open this facility so we could be millionaires like him and his family. He pressured us so much we had gotten and XXXX number but never got a building, he said the first thing is to get business credit cards to help with business acumen ect. He advised me they were to be used for business purchases only but he needed to be added as an authorized user, this individual was living off of these business cards and would call the bank cards to ask them not to send statements out so I would n't see the charges on the cards I called Us Bank and reported fraud and ask them too shut the card down they said they did but this individual, found out when he went to use the card again and call the card and had them issue him another card, without my authorization i was going back in forth with the us bank customer service and fraud department. I went to my local police department and have the Detective involved in this fraud case, but I still continue getting harassing phone calls from Us Bank on my phone and now they call my job! I asked them never to call me at my job again on a recored line and they continue to call. I have gave them the police report number like they ask, and the Detective name and phone number, and explained to them that I have talk to them more than i talk to my own family cause they call me daily, more than once and now my job.
Consumer complaint received 2015-05-03
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP (WI)

I have signed up for US bank Business Visa for XXXX XXXX which as their main benefit offered XXXX night free on all awards. The fee is {$65.00}. I would like the refund of my fee, because they discontinued this benefit. US bank refuses for unknown reason.
Consumer complaint received 2015-10-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My partner and I opened a joint checking account at Citizens bank responding to an offer of {$150.00} bonus for opening an account. This was mailed to me. See attached. To date, we have not received our bonus ( account was opened on XXXX XXXX, 2015 ). We had to call to report this and they asked us to scan in a copy of the original offer. We really should n't have to go to this much trouble. We have met all the requirements and we feel if we had n't complained it would have been forgotten. In light of the recent complaints against Citizens you would think they would do a better job at treating their customers better. To be fair, we are waiting to hear back from them. Customer service said it would take a couple days.
Consumer complaint received 2015-05-03
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE (MD)

I have many complaints and issues with this subject. Too many to describe at moment, but will give details later, do wish to be contacted immediately. I have been wrongfully blocked from Western Union, XXXX, even XXXX. I believe it is outside interference with select inside corrupt employees causing problems as well. I would like to be reinstated and have issues strongly evaluted, resolved and verified on my behalf. So that I can also retrieve my gifts - money transfers, that are being blocked by extortioners within and outside the company. I have strong reason to believe that this is what is going on, my new online business is being hacked and extorted the same, so now XXXX fold proof that I am being criminally robbed by rings and hackers. I do need someone to help me get protection and justice concerning and to retrieve my lost money and opportunities. XXXX, XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX.
Consumer complaint received 2015-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aldous & Associates, PLLC (TX)

A law firm in Utah has mailed me a legal demand letter on behalf of a XXXX here in XXXX, TX. I have never been a member of this gym. I have never made an initial or continuing payment to this gym and I have never have been present on the property of this facility. My bank account and credit card records show no activity with either of these organizations. The Aldous & Associates , PLLC group claims I owe XXXX to XXXX XXXX XXXX XXXX. I have never received any formal mailed bills from this gym ever. This law firm attempts to extort me by asking me to pay them a {$50.00} amnesty fee to their firm in Utah and follow up with a 12 month membership at this XXXX I have never been a member with, then my fabricated debt will be forgiven. They threaten to damage my credit if I do not follow their directions. I have currently filed a US Postal Service Mail Fraud complaint and a XXXX complaint against this entity.
Consumer complaint received 2015-10-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX I received a HARDSHIP withdrawal from my XXXX due to health issues. I took the check of {$35000.00} to Wells Fargo where I was told they would release only {$200.00} and the remaining {$34000.00} would be held till XXXX XXXX. I called Customer Service at Wells after I left the Bank FOUR times as this was cause for concern. A Hardship withdrawal, is just that HARDSHIP. I was told that my check, even though it would clear the Bank the next business day that Wells would not release funds till XX/XX/XXXX due to the fact that I had some OVER DRAFTS over the last six months. They commented this was a Federal Regulation. 

1 ) Wells offers my FREE overdraft protection having a PMA account. So I am being penalized for using their service that they offered to me. 

I asked over and over even if the check clears XXXX 's Account ( my XXXX Provider XXXX that they still would not release my funds till XX/XX/XXXX. 

So I have only XXXX till XX/XX/XXXX while they hold on to my XXXX even though the check clears the writers account. 

I would like to know what Federal Guideline calls for a Bank to hold a check for this long due to the fact that the Banks Customer used their overdraft protection that they had me sign up for and is a selling point of their PMA account holders. 

So NOT knowing this I wrote checks and mailed today knowing that I would have XXXX in my account. Now I asked them about those checks. They stated they would be not honored and I would be charged for NFS checks even though I deposited the XXXXI am intelligent to know that these funds would not be available today but to not be available till XX/XX/XXXX is unbelievable. 

So I asked how I could get my check back so I could deposit it at the other XXXX Banks I Bank with and they stated once a check is deposited it can not be returned. 
I am NOT normally someone who writes about anything BUT this has me so upset today that I am reaching out for help. 

IN SHORT : I use the overdraft, that they signed me up for. This is not NSF items this is where funds are pulled from linking accounts. But because I used the overdraft protection they have to hold my funds till XX/XX/XXXX and all the checks I wrote are going to be bounced and I will have to pay them NSF fees even though the money is in my account.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX is an account that has been closed. It was sold and re aged to XXXX XXXX. I never had a contract or account with them. I asked them to remove the matter or supply legal proof saying I owe them but they will not. I do n't accept company letterhead saying I owe you. XXXX XXXX also sold this account to XXXX a collection agency which sewed me. I had to pay XXXX dollars to a lawyer!. I won my lawsuit. They did n't have no proof I owe them and they took XXXX off the report. XXXX XXXX still would n't removed it. They are performing illegal acts against me and towards my credit which has stopped me from obtaining new credit because of this delinquent account. I would appreciate help with this matter.
Consumer complaint received 2015-10-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

On XXXX XXXX I deposited my paycheck and another check at a US Bank branch inside a XXXX on XXXX XXXX in XXXX, CA. I asked the teller to deposit {$500.00} of the $ XXXX deposit into my savings account. He, instead, transferred out of my account {$500.00} into my secured credit cards savings account. This did not result in an increased limit on my credit card. The money was tied up in an account that I had no access to for 5 days. It was finally corrected on XX/XX/XXXX when the branch ( after many hours and managers in the US Bank customer service line ) finally released the funds and transferred them into my checking account.
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

On XXXX/XXXX/2015 I responded via fax and through XXXX XXXX to Chex Systems regarding additional information that they needed to me to support my claim of clearing address 's that does not have any associations with me. On that day I sent a notarize personal statement about the address that did n't belong to me and I also sent them a Police Report as they have requested for me to do. I have attached a copy of the XXXX XXXX delivery confirmation, police report and notarized statement. With reading their rebuttal to me now stating the police report that I have sent them does not specify dates or date range to remove the information. And now I need to get an additional police report that specifies in further detail about ID Fraud. I will do so. But, I did send a notarized statement to you on XXXX/XXXX/15 and I had attached it to the cfpb dispute # XXXX, and I also sent the original to you via XXXX XXXX which you received on XXXX/XXXX/15, and I also faxed all the statements to you on XXXX/XXXX/15 as well. Also, on the police report it did state the XXXX banks XXXX Bank and XXXX Bank but you only mentioned that you deleted XXXX. Your consumer report dated XXXX/XXXX/15 is attached as proof. Now XXXX XXXX XXXX XXXX XXXX, CA XXXX is my parents address. My parent has owned that property for more than XXXX years. I stayed there up until I was XXXX years old. I do n't know what more to say regarding that but I have n't lived there since that time. Please divulge the name of the Bank and or credit union that has reported my name using that address recently so that I can speak to them directly to clear that information out. As stated before I will get a detailed police report first thing in the morning and re-submit it to you so that all the other disputed items can be removed. 

Thank you Also please look at the notarized statement that I sent you via this portal, fedex and fax