davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED BANKSHARES, INC. (MD)

Around the first of XXXX I filed a complaint against United Bank to what I describe as discrimination. I was trying to withdraw a large sum of money out of my account. An employee came over and started looking over the clerks shoulder and stopped her from giving me my money while checking to see if my deposit of days before was a good check although it had been cleared that day by the bank. They didnt address my complaint but sent a lie back saying the employee helps people to make sure they dont get scammed which had nothing to do with him refusing to give me my money because I was XXXX. Since then the bank has made it hard for me anyway they can. For the past month or longer I have had real problems managing my account because I cant get into it online. They keep giving me a security check about every time I try to log in from the same phone the same way. I called and was told it was no one I could talk to to stop this. At that time a supervisor fixed it so I could get in but the next day it was the same thing. I would choose to answer questions and then it would say it could not give me questions to answer ( this is what kept happening ) so my only choice was to receive a text after I give them the code on my phone on their page. I read it back to them on three occasions and it said it was the wrong code. This has cost me money, time and stress. It should be my choice of the level of security for my account to log in from my phone with every thing consistent. Their security is terrible where it should be with money being taken out of my account unlawfully more than once and by the same company.
Consumer complaint received 2019-03-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I was behind on payments I spoke to XXXX XXXX and asked them if we can do a payment plan till I could catch up They put me on a program and they set up auto withdrawls for the payments so it would not be late, They have taken the payments on the XXXX of both Months XXXX and XXXX and still reported us late to the credit bureau. I have called numerous times and they all say no we didnt report you late and when they stay on the phone longer they - we dont know why this happened - write a letter - that is the only way to fix it. 
I wrote a letter and send it and they have not fixed the problem I have asked them for a letter to show that the payments were made on time they tell me they cant do that and will not help me.
Consumer complaint received 2019-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (GA)

We had a trip scheduled for my daughter who was graduating to go to XXXX and XXXX. She unexpectedly had to have XXXX and was admitted to XXXXXXXX XXXX XXXX for the XXXX and released the following night with a statement indicating that she could not return to school for a week, couldn't perform any XXXX XXXX for 2 weeks and then was under travel restrictions for 3 weeks. 

Our airline and hotel providers all used the documentation to promptly credit us for the trip cancellation. We have been going round and round with the Card Benefit Services organization XXXX XXXX XXXX XXXX, VA XXXX XXXX since opening the claim on XX/XX/2019. All we have filed is for {$350.00} for 3 one-way train tickets from XXXX to XXXX that we could not get waived. They are sharing they need the actual prognosis of exactly what was wrong with my daughter which feels like an invasion of personal medical records and that know that she was hospitalized and put on restrictions for weeks across the actual day we were to travel is not enough. 

I am asserting this is a deceptive and misleading practice where a benefit is being advertised as part of our Chase Visa Sapphire Reserve card that is never really meant to be used as the service provider Card Benefit Services makes it so burdensome to use that it forces customers to give up.
Consumer complaint received 2023-08-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am not liable for this debt with XXXX, XXXX, XXXX XXXX. I do not have a contract with any of these companies, and they not provide me with the original contract as requested.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX refuses to provide me with a mortgage payoff, my forbearance agreements, records of all claims filed for my Chapter XXXX case on XXXX XXXX XXXX XXXX, the actual payment history, or the total amount due from cast to date to audit the account in defiance of state and federal law to hide these errors.
Consumer complaint received 2019-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

Att : : XXXX XXXX XXXX  From : XXXX and XXXX XXXX Date : XX/XX/2019 RE : True loan modification ( XXXX Intake Dept ) We have questions about this loan modification. 
We want the real estate attorney to review the modification in detail and documents we sent to the XXXX XXXX XXXX. 
We want the Attorneys that viewed the document phone number, email, and their state bar number. 
We want the attorney to sign off on all documents personally. 
XXXX XXXX or XXXX XXXX are they attorneys? 
Our current monthly payment is XXXX The paper work that XXXX XXXX sent for us to sign is a blind modification, without any payment plans, monthly payment, escrow, taxes and insurance. 
We need the number break downs of years and monthly payments. 
The purpose of the loan modification program is to lower our monthly payment making our home more afford. 
According to our case manager, XXXX XXXX stated that Fay Servicing should return to us XXXX that they did not give us credit from last year. 
We received a phone call from XXXX XXXX resprened himself as the first Vice- President of Fay Servicing XXXX stated that Fay Servicing did us wrong and how could they make it right to us. 
The date that he called was the XX/XX/2019. He stated that he was going to send to us certified mail. He called two times. 
This the same tactic Fay Servicing did to us less than a year ago. Our attorney at that time name is XXXX XXXX. Her number XXXX. 
We would like the retainer from all Attorneys including XXXX XXXX XXXX ; the retainer should be paid by Fay Servicing. 
We want the escrow break down, of the loan modification, terms of taxes, insurance and payments. 
Why do we have to accept Fay Servicing loan modification only? 
Why is it taking so long to get the loan modification? 
We need an attorney to call or engage us by email concerning loan modification. 
We want the attorney to seize and stop this tactic concerning our loan modification. 
We want all these questions answer by the attorney personally by letter or email. XXXX XXXX XXXX, ( case manager XXXX XXXX XXXX ) assured us a loan modification we qualify (
Consumer complaint received 2019-03-11
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)

I am reporting 2 incidents of identity theft that appear to be related. 

1. Two unidentifiable addresses have been added to my personal information section of credit reports. I have lived in California for the last 30 years and have never lived at the addresses below ( nor owned any properties ). Someone opened XXXX accounts using my identity. 
a. XXXX XXXX XXXX, XXXX, IN XXXX b. XXXX XXXX XXXX XXXX, # XXXX, XXXX, IL XXXX 2. XXXX XXXX, a collection agency, has been attempting to collect money on behalf of XXXX for the addresses above. I received an alert from XXXX ( an XXXX  company ) on XX/XX/XXXX that that the balance of {$970.00} has been reported by XXXX as Unpaid, and it might impact my credit history. The alert indicates that the XXXX account was opened XX/XX/XXXX and the original amount was {$1600.00}. 

I have just received a notification from my bank ( XXXX XXXX XXXX ) that my credit score has been lowered to XXXX ( was around 740 before ). This has impacted my ability to get the best rate on an auto purchase ( the lender increased the rate by 1.00 % after 10 days from the purchase date ). 

I also received a response from XXXX regarding my dispute that above mentioned XXXX account is still scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2019-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (TN)

I first learned of this debt when I saw the debt on my credit report. I filed a previous complaint with CFPB on the basis that I had never been notified of the debt before it was reported to the credit bureaus and I still had not received notification of it at the time of filing the complaint. ATG claimed they sent me notification, but provided an incorrect mailing address and would never verify what phone number they claimed to have been calling. That complaint was closed without any resolution. 

Subsequently, on XX/XX/2019 ( 5 months after reporting the debt to the credit bureaus ), I  received the first notification of the debt with an accounting and a copy of the " contract '' with XXXX XXXX   XXXX that purportedly provided the basis for the alleged debts. The " contract '' consisted of a merchant application and a terms and conditions document. The " contract '' is invalid and unenforceable and does not provide a means for collecting these alleged debts. 

I completed the merchant application, but immediately above my signature there was a box to check indicating that I received the terms and conditions document. I specifically did not check this box because I was never provided with the terms and conditions document ( I was only given the merchant application ). I was never thereafter provided with the terms and conditions ( not that providing them after the fact of signing would be valid anyways ) and the first time I saw this document was when ATG sent it to me on XX/XX/2019. I am attaching the email I received with the merchant application so you can see that I was not provided with the terms and conditions and the completed application I returned to them. 

I never agreed to be in a contractual relationship with Integrity. A valid contract requires offer and acceptance of the terms of the contract. As I was never provides with the terms, there was no acceptance of the terms and, hence, no contract was formed. If somebody were to claim that by my signing the merchant application, I unwittingly entered a contract, such contract would be void as unconscionable due to the unfair surprise of attempting to bind me to contractual terms that were not provided at the time of contract formation. 

There is no valid contractual basis under which Integrity/ATG can seek to collect these debts that are allegedly owed. My personal credit and reputation are being damaged by these illegal attempts to collect this debt.
Consumer complaint received 2019-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, has allowed fraudulent accounts to be authorized on my Consumer Credit Report in which I did not authorize. These accounts were opened from a thief as a result of Identity theft. These accounts also list many inaccuracies. 1. XXXX XXXX XXXX XXXX Credit Card says Opened XX/XX/XXXX. It also states credit limit {$25000.00} according to XXXX XXXX XXXX XXXX   this has already been closed due to fraud. They also advised me the limit they show is {$15000.00} therefore transunion is also reporting fraudulent inaccuracies. 2nd Item says XXXX XXXX XXXX Credit Card with a balance of {$1900.00} and a Credit Limit of {$2000.00} this account was not authorized and is a result of Identity theft. 3rd Item is XXXX XXXX loan for {$8000.00} again this was not authorized and is fraudulent. As a result of identity theft. Two more XXXX accounts, one showing a {$4000.00} limit Credit line and one showing a {$1000.00} credit line. These again are fraudulent as a result of Identity theft. There is also TWO XXXX XXXX inquiries for the same thing on the same date that are fraudulent XX/XX/XXXX. Lastly there is a XXXX inquiry which is also fraudulent and transunion lists a fraudulent address on my credit file.
Consumer complaint received 2019-03-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I submitted a complaint to the CFPB on XX/XX/XXXX about TransUnion and their erroneous reporting of two accounts on my credit report. On XX/XX/XXXX, I received a response from the CFPB website that TransUnion had forwarded my complaint to their consumer relations center for processing. They stated, '' You will receive your results within sixty ( 60 ) days from the date you submitted your complaint to the CFPB. '' It is now XX/XX/XXXX, and I have received no response to my complaint from TransUnion.
Consumer complaint received 2019-05-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (LA)

The attached letter explains what I have been going through with my mortgage company for about a year. My husband was on the loan with me but passed away in XX/XX/XXXX. Chase told me that I had to remove his name from the mortgage before I could be even considered for any assistant. I started the process in XX/XX/XXXX and the process lasted about four months. In XX/XX/XXXX or XX/XX/XXXX. I was served with papers from the Sheriff 's office of a active Foreclosure with a sale date in XX/XX/XXXX. I contacted Chase and they suspended the foreclousure will they had me to fill out forms and send in paper work to be considered for a hardship. After about two to three weeks, underwriting denied the application. I was told to resubmit the form because, by myself, my debt to income ratio was to high. I appealed the decision because my daughter had moved in with me, which is permanent, and I used her contribution to the household. At that time, the denial was based on USDA guidelines were not met. No official letter of the decision. I found out by calling and inquiring, then they sent a letter of denial. I never received an official certified letter from Chase about the foreclosure. I believe that they told me to apply for assistance, knowing that they would not approve anything but to cover them. I feel that this was unfair treatment and showed no professionalism at all. The reason for denial now is that they have add {$38000.00} of arrearages for late payments, lawyer fees and whatever else that they could charge me and yesterday I was told my only option is a short sale and the house has to sell within thirty days to avoid foreclosure. This process has been overwhelming and extremely stressful. Our know there are other people out there that have experienced the same unfair treatment. The last denial was because of the arrearages, Chase never sent me a letter about any payments due until the foreclosure process began. They also said that due to UDSA guidelines, they is no assistance that can be offered. Please review their practices. If this does not help me, maybe the will rethink how they treat people when they are made to answer. This is a USDA back loan and I was told that Chase could help if they wanted to.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> around XXXX XXXX I received a call from XXXX at the wells fargo corporate division concerning a complaint I submitted. 
Previous complaint # XXXX XXXX informed me they did an investigation into my concerns. Her investigation consisted of a phone call to the XXXX XXXX the bank manager. The manger told her side of the story wich was nothing like what actually happened. A real investigation would of consisted of an actual person from corporate going to the branch and speaking with actual employees. I was REFUSED my right as an American to pay my credit card bill. XXXX XXXX was rude and condensing. She was clearly bringing her emotional state to work and taking it out on customers like me. She honestly looked like she was on drugs. This particular branch is in a seedy part of town and if you check there XXXX reviews you will read some disturbing reviews. My next step will be to write my local senator ( XXXX XXXX of XXXX  XXXX ) if something isn't done about about these tyrannical institutions and there predatory habits. I pay my taxes, I abide by the law and work my XXXX off and I deserve the right to pay my bills with out harrasment and back lash. 
Wells fargo bank. 
XXXX XXXX XXXX XXXX. 
XXXX, XXXX.
Consumer complaint received 2019-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (IL)

On the afternoon of XX/XX/19, I attempted to transfer {$300.00} through the Zelle Money Transfer service. The funds were to be sent were to be withdrawn from XXXX XXXX XXXX. When attempting to submit the transfer to a third party recipient, I received an error message from Zelle that transaction failed and that I could try again to submit the transaction. In the past, I had received this same error message and was able to complete the transfer. Due to my past experience with this type of failed transaction, I attempted 3 additional times within a span of 2 hours. 

I never received a notification from Zelle that any of the transaction ( s ) were successful. The next morning when I went into my online bank account application there were 4 transaction of {$300.00} each that had been deducted from my bank account. I then checked with the 3rd party intended recipient and they had not received any of the funds or had received a notification from Zelle that there was a pending deposit ready for them. 

I attempted to Contact Zelle on XX/XX/19 and was only given computer automated responses. However, after many attempts over several days I was informed that the Zelle company was only a transfer service and that the transaction is actually bank to bank transfers. On one of the calls to Zelle, XXXX verified that all 4 transactions failed. Zelle said that if money was not accepted it would be returned to the sending bank after 14 calendar days. 

During the same timeframe I had been attempting to contact Zelle, I was in contact with an associate, XXXX from XXXX XXXX XXXX XXXX Branch to see what could be done from their side. Assuming the worst and worrying that there was some sort of fraudulent activity being done through Zelle, the bank destroyed the debit card and provided me with a new debit card. I was instructed to fill out a formal dispute to determine the error and the disputed POS transactions. It was determined that there was no error on their part and since I admittedly authorized the transaction with Zelle. However, when authorizing the transactions with Zelle, I was under the assumption that no money was being removed from my account when the transactions had failed each time. 

It seems that neither party wants to assume any responsibility for this issue as they are both pointing fingers at each other. In the meantime I am wondering where this {$1200.00} is and why it has not been returned to me.
Consumer complaint received 2024-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (AL)

According to FCRA HUNTER WARFIELD Is using my identity and saying that I owe them *15 U.S. Code 1681b No permissible purpose ; no written consent as required by law given directly by myself to XXXX XXXX ; 15 U.S. Code 1692c ( a ) no prior consent given directly *15 U.S. Code 1681 invasion of privacy Due to it abusive debt collection cause me to lose my job due to invasions of my individual privacy rights.15 U.S. Code 1692d Complaint sent to FTC # XXXX
Consumer complaint received 2019-03-11
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (NE)

In XX/XX/XXXX I filed for chapter XXXX bankruptcy and reaffirmed my US Bank Mortgages ( 1st and 2nd ). I have had my mortgages with US Bank since XX/XX/XXXX and have made all payments on time. I recently checked my credit reports and there is no record of either of my mortgages on any of the three major credit bureau reports. I contacted US Bank in XX/XX/XXXX to have them add this information back to my credit reports. They informed me that they were unable to do that and I would need to contact each credit reporting agency to have the mortgages re-added. On XX/XX/XXXX they send me my entire payment history by mail so I could provide this to the credit reporting agencies. Once i received the documentation I reached out to the three credit reporting agencies and was told by all three that I was unable to add this information to my credit reports and only US Bank would be able to add this information to my credit reports. I contacted US Bank on XX/XX/XXXX and informed them of this. They informed me they would have someone contact me to resolve this within 3 to 5 business days. I never received a phone call or any contact from US Bank. I contacted them again on XX/XX/XXXX and was told that since i filed a bankruptcy that it is US Bank 's policy to remove the mortgages from my credit reports and they will not report any payment history going forward unless i refinance my mortgage. I feel that this is an unfair policy which targets individuals that are going through bankruptcy even when the debt is reaffirmed ... .which is what i did. I have made ever single payment to US Bank on time and would like my credit reports to reflect this and would like my mortgage payments to be continue to be reported to the credit reporting agencies in the future as well.