davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion removed  XXXX   XXXX  and then reinserted back on to my report on  XXXX   XXXX  in violation of federal law. The creditor failed to reply within 30 days. The debt was paid. Please remove  XXXX   XXXX  permanently from my report. Transunion incorrectly marked it as an update in violation of federal law.   XXXX    XXXX   deleted  XXXX   XXXX  also then reinserted in violation of federal law. The creditor failed to reply within 30 days.  XXXX  can not reinsert that creditor. I paid the debt. Please remove it.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by Bank Of America (BANK OF AMERICA #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX High Balance: $XXXX 
Credit Limit: $XXXX Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called Bank Of America because i have no knowledge of this account nor the negative report on my credit. I called the Bank Of America credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas Bank Of America credit card department) I need this problem and error fixed and my credit report corrected.
Consumer complaint received 2017-06-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I need a detailed listing of every trnsactio my mortgage loan went through with Wells Fargo. I bought my home in 1998 through XXXX XXXX and then it transfered to Wells Fargo and no idea from there. Somehow it got put n to the hands of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX and t seems I was left out of the loop but yet foreclosed on. I Want to see all of these transactions that transpired up to this foreclosure. Ialso want toknow how a foreclosure started by XXXX XXXX XXXX, ells Fargo attornie whom was disbarred by New York state Attorney General XXXX XXXX was allowed to be changed to other attornies, using the same paperwork stated by XXXX XXXX XXXX, was even allowed permissable to foreclose. Wells Fargo, seems to me you have had to apologive a few times in your paperwok for some major discrepencies. I have no plan to stop my investigation in to this and I have called on Donald TrumpXXXX the news media and Senator XXXX XXXX for assistance.
Consumer complaint received 2017-06-28
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: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX. There was a fraudulent charge put on my credit card for {$2400.00} on X/XX/2013. Credit Card # XXXX XXXX XXXX XXXX, my social security # XXXX XXXX XXXX. I have been fighting with Wells Fargo to remove the charge for years and they remove the charge and put it back on the next month without telling me. The name of the company is called XXXX XXXX XXXX and they have been prosecuted for falsely putting charges on peoples credit cards without permission. XXXX XXXX has something to do with timeshares I dont even own a timeshare. Every time I call wells fargo they make pass me around to different departments for 2 hours. Every time I call it is a 2 hour phone call. The last time I called they thought put me on hold but I could hear them talking and they said said " just tell her we are going to remove the charge and started laughing hysterically. When they got back on the phone I told them I could hear them and they hung up on me. Please help me. I am supposed to be protected from unauthorized charges with the credit card company.
Consumer complaint received 2017-06-26
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: EQUIFAX, INC. (GA)

I have disputed multiple credit inquires on my report with the credit bureau multiple times and I am just not getting anywhere. I have spoken to all XXXX of the credit bureaus and to this day no one will assist me. I am disputing the following inquires as I previously have. I have no knowledge and did not authorize these inquires to my credit. I also have a fraud alert in my account and have had XXXX placed multiple times in the last year or so. I did not authorize the following inquires toy credit and have no knowledge of them : XXXX XXXX : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-06-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (OH)

I received three overdraft fees, {$34.00} each, amounting to {$100.00}. This was caused by three online payments of {$11.00}, {$11.00}, and {$23.00} going through. This caused the account to overdraft {$27.00}. <P/>I know I am supposed to get money in before XXXX to make sure my account is funded, but I was not able to do that until about XXXX when I deposited {$28.00} to cover. <P/>This morning I woke up to the three overdraft charges. I could understand one, or even two, but the way the bank submitted the payments, they charged as much as they possibly could, almost 4 times the amount of the overdraft. This is not right. <P/>I contacted the bank but although they say, '' your satisfaction continues to be our topmost priority '' they would not waive even one of the fees. <P/>I had this experience before and requested that they review their policy. I do n't believe they should be able to charge more than the amount of the overdraft. What they are doing is so wrong and really hurts people who do n't have a lot of money to spare. <P/>I contacted the CFPB previously about this and you forwarded my concern. I am hoping contacting you again will make them reconsider their policy.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On X/XX/17 I filed bankruptcy. XXXX XXXX was sent the bankruptcy paperwork from my lawyer. XXXX still has this loan account for the amount of XXXX as open on my credit report. This should be closed out with a XXXX balance due to the bankruptcy filing. XXXX has exceeded the time limit to fix this on my credit report.
Consumer complaint received 2017-06-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (ME)

I do not have a legal obligation to this company.There are no signed contracts with them. Yet they have reported the debt as delinquent to the credit bureaus. I have provided them with court documents providing proof of the current and legimate mortgage holder. They continue to harass me with constant mailings. This has been going on for months. They are a debt collection agency posing as a mortgage company.Their reporting date is  XXXX     2010. Also they have issued an insurance policy WITHOUT my signature on an insurance application and without having insurable interest. Totalling illegal yet they are allowed to continue to operate.
Consumer complaint received 2017-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP (IN)

On XXXX XXXX, XXXX I noticed a withdrawal of {$9900.00} dated XXXX XXXX, XXXX on my XXXX XXXX bank statement that I received via email on XXXX XXXX, XXXX. The description for the withdrawal read XXXX XXXX. There was also a withdrawal of {$75.00} on the same date with a description of LITIGATION FEE. I was not aware of the withdrawals, so I contacted the bank at XXXX. They recommended that I contact the phone number listed in the description. This was a direct number to XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX Per discussion with XXXX XXXX, someone filed a California tax return in my name using my social security number with taxes due of {$9900.00}. Per XXXX XXXX, Key Bank was issued an Order to Withhold Personal Income Tax with instructions to contact me and wait 10 business days to withhold any funds from my account. XXXX XXXX contacted the bank on XXXX XXXX, XXXX to release the order as it was determined that someone had try to use my identity. Per XXXX XXXX, Keybank legal department told her that that had never contacted me and that they had already sent the money 2 days after receiving the order. Per my relationship manager at Key Bank XXXX XXXX on XXXX XXXX, XXXX the legal department was contacted by XXXX XXXX on XXXX XXXX and XXXX XXXX, who instructed to release the order and stop payment on the check sent to the XXXX XXXX XXXX XXXX. Per XXXX XXXX, KeyBank has refused to stop payment and will not reverse the {$75.00} Litigation Fee that they charged their customer, even though they did not follow the directions of the order to contact me and wait to send funds. On XXXX XXXX, XXXX, I received a letter from Key Bank regarding the withdraw dated XXXX XXXX, XXXX post marked XXXX XXXX, XXXX with a copy of the third page of the Order.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-06-27
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: CITIBANK, N.A. (GA)

On XXXX XXXX, XXXX I received an alert stating that there was a new hard inquiry from CBNA on my XXXX report. The alert said : A potential creditor or employer reported that they pulled a copy of your credit file because you applied for credit or services with them. This is inaccurate. I have not applied or done anything with CBNA. I reached out to CBNA,  which is Citbank and they have no record of this inquiry on this date. They pretty much gave me the run around. I called Best Buy, which I do have an account with them but that account is at a XXXX balance and I have not inquired for any new services. They also had no record for any transactions for XXXX XXXX, XXXX. I contacted XXXX and they were only able to give me the same information I gave them however, they were no help.
Consumer complaint received 2016-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (MI)

My daughter was attending the XXXX XXXX XXXX but they were closing there doors and only offering online classes to students for them to finish off in order to receive their degrees. We were not informed about the situation when she first started there. They then told us that she could transfer to the XXXX campus seeing as she would have difficulty with the online courses with her XXXX which are documented and were turned in. I informed them that she had doctors appointments and testing that needed to be done for her medications and asked if the following semester would be better. They told me no that it would be fine for her to start that semester it would be no problem at all. As it turns out, they said she missed to much time and kicked her out. they advised us that she could n't come back until she paid for that semester in which was already paid by fasfa and direct plus. We have talked the companies that hold the but nothing has been done so far and they keep wanting us to make payments. She has had to enroll at another college in order to continue her education that works with her XXXX, but her pell and other grants have been reduced due to all of this and XXXX was giving her classes that she was n't prepared for due to requisites not being followed or classes she did n't need. I feel that we should n't be penalized for the time she spent at XXXX.
Consumer complaint received 2017-06-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America used an appraiser in NC that grossly inflated raw land appraisals in early XX/XX/XXXX. Her name is XXXX XXXX XXXX, and she was forced to surrender her license 2 years later to avoid justice. My lot XXXX XXXX was appraised at {$340000.00}, with 3 other lots nearby appraised at {$340000.00} to {$370000.00}. My purchase price was very enticing at {$120000.00}. Today, it is worth XXXX because a house ca n't be built in it due to a infraction on the front which reduced the size from 80 ' to 26 ', verified by XXXX XXXX. tax assessor XXXX XXXX, which then lowered my tax assessed value by 50 %. BOA used this tactic to garner my mortgage of 7.5 % interest only first 5 years, then payments currently at $ XXXX/month, {$320.00} interest /month. XXXX XXXX XXXX was fined by the NC AG for XXXX XXXX dollars in XX/XX/XXXX for deceptive marketing. BOA so far has escaped but certainly were involved by grossly deceptive Land Appraisal Reports. BOA has been contacted numerous times but refuses to acknowledge. I need help from the US Govt/FTC.
Consumer complaint received 2017-06-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SUNTRUST BANKS, INC. (DC)

A COMPANY CALLED " XXXX XXXX XXXX '' received reports from SUNTRUST BANK NA ON XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX. <P/>They have accused me of improper banking and I never received a warning during the time I had THAT account with them. This agency XXXX can hold reporting information to other banks & financial instituitons for FIVE YEARS. I FIND THIS TO BE A PROBLEM AS I AM A HOMEOWNER AND WILL NEED TO OPEN ANOTHER HOME RELATED BANK PRODUCT. <P/>I HAVE SINCE HAD AN ACCOUNT WITH THEM IN XX/XX/XXXX AS WELL.
Consumer complaint received 2017-06-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (NJ)

I tried to tell XXXX & XXXX that Citibank credit card was opened fraudulently. They did n't bother to help me in any way. They obviously do n't take identity theft very seriously. They 're garnishing my pay check for {$2100.00}. It 's unfair that I have to suffer because this identity theft.
Consumer complaint received 2017-06-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

XX/XX/XXXX CASE CLOSED ISSUE UNRESOLVED AND RESPONSE NOT ACCEPTED. I hired a company last XX/XX/XXXX to help and assist me with the mortgage modification process in order that it 's with in my monthly income requirements. The property and the home was WILL to me from my XXXX Mothers estate. The property deed and the mortgage did have my name on it since my income was required for my Mother to refinance the mortgage. The company that I hired last XX/XX/XXXX also informed me that there were issues with the mortgage documents saying it was XXXX, which I found out is against the laws in New York State to issue a XXXX loan. Unfortunately the modification that the company worked on for me with Ocwen Loan Servicing happened to be the worst modification that I have ever received in the 9 years of Ocwen. 2 law suits against Ocwen within the 9 years and no assistance They are absolutely the worst and with them reported managing over 104 million mortgages and having 9000 employees, that to me is a serious problem. In XXXX Ocwen threatened me with forclosure, threantened me with a phone call of a XXXX XXXX out of Texas stating that I need to contact him back about my home and property and that he worked for Ocwen Loan Servicing. Grant it I filled Chapter XXXX bankruptacy protection not because of the mortgage because I needed to get reorganized. After once again doing research I find out again the CFPB is once again sueing Ocwen Loan Servicing. After skimming through some of the documents regarding the law suit its the same issues that I have been going through over the past 9 years with this organization. I do n't know if I would call Ocwen an organization or a business, there just plain CORRUPT. The law suit is in fact true and the CFPB needs to take control. Attached are all the related documents including a screen image of the voice mail that I received and is still available on my phone.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I am unable to purchase my Equifax credit report through any means. Can not obtain credit report directly from Equifax website, any external website such as XXXX, or XXXX. All keep giving an error that Equifax has blocked access to my credit file. When I spoke to the Equifax Rep they advised me the reason was because my " file was too large '' and I had " too many soft inquiries '' and I needed to wait for them to fall off for me to access my credit report. I have never had this issue with any of the other credit reporting agencies. Supervisors are clueless as to why I ca n't pull my report.
Consumer complaint received 2017-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I have two loans with Navient. My student loans have always been handled as two separate loans by every previous loan servicer. Navient claims that if I send a written letter with my payment they will credit the loans according to my instructions. I have done that each month since Navient took over my loan, and Navient refuses to follow my instructions and always credits the payments incorrectly. The problem is they are slowing down the repayment of my loans by doing this, and ultimately causing me to pay more interest because they do not want me to be able to accelerate the payments on one particular loan in order to pay it off earlier. They are liars. They promise me each month they will follow my written instructions which I send by Certified Mail, but they never do that. I even send two separate checks, but they ignore the checks and credit the payments as they please. This process takes me hours on the phone each month to get it corrected, and each month they try to cheat me again. They are in violation of the terms set forth in my promissory notes.
Consumer complaint received 2016-04-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SUN LOAN COMPANY INC. (TX)

I took out a loan with Sun Loan company and paid the balance in full In XXXX 2011 before moving out of the state. In XXXX 2011 they reported it on my credit report as an unpaid charge off. Not once have I received any documentation or phone call stating that I had a remaining balance or that it was being sent to the credit reporting agencies. I have disputed this on my credit reports and it keeps coming back as validated and I have still yet to receive any formal documentation from Sun Loans. I have tried to reach out by phone but when I call the number listed on my credit report it states that it has been disconnected. They are reporting derogatory marks monthly to the credit bureaus and each time the balance is increased. My rights under FDCPA XXXX were violated when they put this on my credit report without ever reaching out to me and not giving me my 30 days to dispute the validity of the debt.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

On XXXX XXXX XXXX, I sent a letter to XXXX XXXX XXXX  ( see attached supporting documents ) expressing the errors they continuously keep reporting to the credit bureaus on my credit report. On XXXX XXXX XXXX, I sent them a second letter stating that it has been over 30 days and I received and reviewed my credit reports. I informed XXXX XXXX XXXX that they had failed to place my ( 2 ) accounts in a " disputed '' status which is required by the FCRA and the FDCPA. I informed them that due to them not correcting the information, AND by them failing to place the required comments on the accounts, the information was inaccurate, incomplete, and represented a very serious error in their reporting. I ask for XXXX XXXX to correct their error by removing the accounts. On XX/XX/XXXX, I received a reply from XXXX XXXX stating that since they are not a " debt collector '' they are not defined by the FDCPA and did not have to place the remakes or comply with my request. On XXXX XXXX XXXX, I sent a 3rd letter to XXXX XXXX once again explaining their error, expressing the serious nature of it, and also that they are an original creditor that are bound by both laws ( FCRA and FDCPA ). I further explained, even if they were not bound by FDCPA, the violation I am stating is based on the FCRA. On XXXX XXXX XXXX XXXX XXXX XXXX sent me ( 2 ) letter that were an exact copy of the first two, basically stated they did not have to correct the error because they do not fall under the FDCPA. These ( 2 ) account has cause me great financial lost in the recent past in the form of higher interest rates on my refinance. I have paid each account off as requested by XXXX XXXX XXXX in the recent past. XXXX XXXX still failed to change each account to a " closed '' status and failed to report the correct information, as promise to the me and the CFPB in a written letter. Why do I have to continue to suffer due to mistakes made on their behave. XXXX XXXX was made whole when they wrote the debt off, and made additional money when they sold the accounts to a collection agency, which I them paid. I do n't understand why they should be allowed to be " Bullies '' when they are paid, and I am only trying to move forward in life.