davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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)

My account with Transunion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Transunion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

sent in payment to nationstar mortgage of XXXX for XX/XX/XXXX and they said it was not recieved contacted XXXX money order XXXX money order number XXXX I informed nationstar of all this info and they do n't even what to bother to look into it, they wish for me to fax a copy of the money order so I will fax them a copy of check that was cashed on XX/XX/XXXX even though I gave them all this information, So I will pay my XX/XX/XXXX payment again so as not to ruin my credit, from what i got from them is they made a mistake m and I have to prove I sent a check to them because if not I will still owe!
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I tried to contact the Dispute Dept of JP Morgan Chase Bank on XX/XX/2020 XXXX XXXX PDT to dispute a charge on my credit card, I was transferred to the Dispute Dept and was put on hold. Their phone system told me I only needed to hold for 15 munites, but turn out after 1 hour 20 munites, still no one picked up my phone. They just put people on the phone forever and let the stupid music run for hours to fool customers and drain their blood and spirits until they all got exhausted. So abuse! By the way, I am XXXX XXXX in XXXX XXXX.
Consumer complaint received 2024-09-05
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. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2015-04-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MA)

I have an option ARM loan with Chase ( formerly WAMu ) which negatively amortized and added over XXXX to my loan. I believe that this mortgage was a subprime predatory loan, but have received no help from chase or HARP. My husband and I applied multiple times for modifications and were continuously denied. In an effort to move forward, my husband and I filed for a repayment plan in which we agreed to pay double monthly payments to become current on the loan. Throughout this process, we have been harassed by chase numerous times, sending us notices that they were going to foreclose or that our loan was in default. We have now paid XXXX/month for ten months, our last payment being due XXXX XXXX, and was paid electronically on XXXX XXXX. I received a notice today on XXXX XXXX, ( which was dated XXXX XXXX ), stating that they did not receive our XXXX payment and that our loan is in default. They are also attempting to charge us a XXXX late fee and XXXX in " OTHER FEES and ADVANCES ''. ( See attached ) We have also gotten notices taped to our door on XXXX different occasions ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX XXXX ) stating that the house is unoccupied, when it clearly is not. ( see attached ). I called the vendor who taped the notice to our door to find out why they are stating that the home is vacant. The woman I spoke with told me she can not give me the name of the person or company who taped this notice to my house because it 's confidential. This makes no sense. The house was clearly lived in, the walkway was shoveled, and you can see inside the house from the windows. It was blatantly obvious that the house was NOT abandoned. This is clearly harrassment! We are paying bills that legally I do n't believe we owe, and still being harassed as if Chase wants to foreclose on us. We have been buried in debt since XXXX, and have been working on getting out of debt since then. Neither chase! nor HARP has done anything to assist us, but the government bailed out Washington mutual who started this fiasco. This makes no sense at all.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently checked my credit report and found some hard inquiries that I do not recognize. I would appreciate it if you can help me remove these accounts off of my credit report. The hard inquiries are not mine so the information isnt accurate. I appreciate your time! I also filed a report to identify theft.gov Can you please help me this has been so stressful on me having unauthorized accounts destroying my credit. 

Unauthorized accounts Account name : XXXX XXXX  Account name : XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX 


Under 15 USC 1681 c-2 c ( a ) The credit reporting agency must block and remove any allege pieces of information. The consumer considers identity theft within four business days of receiving the complaint. 


Thank you so much!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX, NJ XXXX Correct Information to Be Reported : - Full Name : XXXX XXXX - Correct Date of Birth : XX/XX/XXXX - **Correct Social Security Number** : XXXX - **Correct Address** : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: DISCOVER BANK (AL)

I got personal Loan {$35000.00} and from very beginning it was auto payment it deducted my checking account. On XX/XX/2024 Whatever due amount I paid full Payment. I have proof with my bank statement and I got email from them about Full Payment I made. on XX/XX/2024. I got email from them on XX/XX/XXXX asking me " Make a Payment {$720.00}
Consumer complaint received 2024-11-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NY)

I am writing to express my deep frustration and disappointment regarding Wells Fargo 's ongoing refusal to release my funds following the closure of my savings account. Wells Fargo is the most disgusting bank in the world for the way it has handled this situation and withheld my funds. 

At the end of XXXX, I called Wells Fargo to close my savings account, which had a remaining balance of {$20000.00}. Wells Fargo informed me that I should expect to receive a cashiers check for this amount within XXXX business days after the official account closing date of XX/XX/year> ( see Attachment XXXX ). However, as of today, I have yet to receive the check. 

Since then, I have taken the following steps in an attempt to resolve this issue : XXXX. XXXX Wells Fargo multiple times : I have made numerous phone calls to customer service, each time being told to wait longer for the check to arrive. Despite these assurances, the check has not been delivered. 

XXXX. Visited a local branch : I visited a Wells Fargo branch as instructed, hoping to resolve the issue in person, but no progress was made. 

XXXX. Filed complaints with regulatory agencies : I filed multiple complaints with Wells Fargos XXXX office. Unfortunately, Wells Fargos response was to close these complaints without providing a solution. During a phone conversation, the agent handling my case, XXXX XXXX, stated that Wells Fargo held no obligation or responsibility to ensure that customers receive their checks once mailed. She further remarked that mail can be lost, comparing this situation to her experience of holiday cards going missing in childhood. 

On XX/XX/year>, XXXX XXXX from Wells Fargos XXXX XXXX officially closed my complaint, stating, For reimbursement, you will need to either complete a Declaration of Lost/Stolen/Destroyed Official Check and Indemnification Agreement and wait XXXX  days, or you can purchase a XXXX bond for immediate check reimbursement. ( see Attachment XXXX ). 

On XX/XX/year>, the date Wells Fargo specified for reissuing the check, I visited a local branch at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The local branch again denied releasing my fund. I attempted to reach the Wells Fargo XXXX XXXX multiple times by phone, but no one was available to assist. 

Since my initial request in XXXX, Wells Fargo has withheld my funds indefinitely without providing a resolution. I need Wells Fargo to give my money back right now. There is no regulation to this outrageous disgusting practice!
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlas Credit Company, Inc. (VA)

This company claims 2 accounts with 2 different account numbers were opened in my name on the same day with the same exact balance. They show up as charged off on my XXXX and XXXX credit report. The account ending in XXXX shows 30 days, 60 days, 90 days late payments, while the account ending in XXXX shows only that it was charged off without any history of any late or on time payments at all.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

dear XXXX this is a self-attestation that I am victim of XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX. These fraudulent accounts consist of a an auto loan 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX. XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (VA)

I'm submitting a complaint about a refund from MOHELA after XXXX. I received a refund from Mohela because of overpaid student loan repayments. When I received the refund of over {$9000.00}, I confirmed the amount several times with MOHELA. Moreover, my calculations of overpayments were much higher. However, MOHELA rejected the higher amount and informed me that my refund was correct. Now, two years later, MOHELA, through XXXX, is demanding that I repay the refunded amount because it was sent in error by MOHELA. MOHELA never contacted me about the error.
Consumer complaint received 2024-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

I am currently on the PAYE plan and submitted a recalculation application based on a large decrease in income on XX/XX/year>. Mohela will not process this application stating it is due to the injunction and lawsuits on the SAVE plan. However, according to the department of education, my application should still be processed because it was submitted prior to XX/XX/year>. Mohela is basically overcharging me and not honoring the application for recertification and recalculation.
Consumer complaint received 2024-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Repeatedly reported debit card stolen.b When I attempted to o login to my Bank if XXXX mobile banking acct I had to repeatedly reset my password but still never successfully logged in. When I attempted to get my mobile wallet, temporary virtual debit card replacement so I could resume shopping, the online & in-person acct specialists refused to assist me in getting log in help & subsequent access to my digital wallet.
Consumer complaint received 2024-11-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (GA)

Complaint Against Freedom Mortgage for Unauthorized Escrow Refund Use and Failure to Issue Refund Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding Freedom Mortgage, as they have misappropriated my escrow refund without authorization, causing significant inconvenience and frustration. 

Recently, Freedom Mortgage took funds from my escrow refund, stating they used these funds to pay my school taxes. However, I had already paid my taxes directly and I don't not pay school taxes because I have no kids, also did not authorize Freedom Mortgage to make this payment. Upon realizing the mistake, I contacted Freedom Mortgage, and they assured me a refund check would be sent promptly. However, despite multiple follow-ups, they have delayed returning my money and have provided inconsistent responses, leaving me feeling like I am being given the runaround. 

This situation has caused considerable financial strain, and I believe Freedom Mortgage has acted improperly by using my escrow funds without authorization and by failing to promptly resolve the issue once it was identified. I am seeking assistance from the CFPB to expedite the return of my escrow refund and ensure that Freedom Mortgage takes appropriate steps to prevent this issue from happening again. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

I was recently reviewing my credit report and noticed that there are names on my account that do not belong to me or unknown. XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I demand these be removed from my credit report
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 A C - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX A C - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attentionto thismatter.
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (NJ)

I was on Covid forbearance in XXXX. 

I applied for state help in XX/XX/XXXX. 
Loan mitigation started in XX/XX/XXXX State said they made a mistake saying I was approved and it was an error and told my bank continue process. 

XXXX never reported me to credit bureau during loan mitigation process that started in XXXX XXXX because even though cares act ended. The forbearance was done during this timeframe. 

XXXX moved my file to Selene in XX/XX/XXXX. 

XX/XX/XXXX selene sent me info on my first payment. Which increased. I told supervisor I couldnt make this higher payment and she said to apply for hardship.

I sent by email XX/XX/XXXX my application. I thought this was still protected because of the cares act since the debt originated from this.

I asked Selene to divide my escrow shortage into 60 months like the cares act states and they did again because of the cares act!

On all the calls I made to Selene before XX/XX/XXXX and XX/XX/XXXX I asked if they can send me a email for proof the during the loan mitigation they were not Going to report me.

They still reported me and too 3 months to give me a decision on my application.

Even thought I sent everything. I asked them to check the calls and now they say they did but I will Like to get the calls also for review because Im100 % sure they said they wont report me during loan mitigation.

I even asked if I can make Partial payment but there website didnt let me. They asked for missing documents even though it was on email and their executive XXXX XXXX that was helping me had to Tell them twice that the email had all documentation.

They took so long and now Im devastated because of them Reporting me with false promises. I will like the calls also for review