davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Trans Union Corporation ( FEINs : XXXX and XXXX ) and its subsidiary Trans Union LLC ( XXXX : XXXX ) continues to refuse to correct mailing ( situs ) address on credit file by intentionally reinserting invalid ( situs ) mailing address to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; and XXXX are XXXX. See mailpiece post marked XXXX XXXX, 2015, which I received via United States Postal Service on XXXX XXXX, 2015. In addition, the address identified as XXXX XXXX XXXX, XXXX, VA XXXX is not mine ; I never owned, lived, occupied or established resident at this address. 
Furthermore, Trans Union Corporation ( FEINs : XXXX and XXXX ) and its subsidiary Trans Union LLC ( XXXX : XXXX ) continues to refuse to delete adverse account, to-wit : XXXX FORMERLY XXXX # XXXX on credit file by intentionally reinserting inaccurate and fraudulent information to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; XXXX ; and XXXX are XXXX. See mailpiece post marked XXXX XXXX, 2015, which I received via United States Postal Service on XXXX XXXX, 2015. 
Pursuant to 15 U.S. Code 1666 - Correction of billing errors, I formally request the following documentary evidence pertaining to alleged Account Number XXXX and alleged payee : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX now XXXX XXXX XXXX XXXX XXXX , XXXX ( XXXX : XXXX ) ) : 1. A copy of the original credit application and loan agreement and disclosure statement showing the terms of the agreement ; 2. A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted ; XXXX. Copies of all documents and financial instruments used to pay the disputed late payments ; 4. Copies of all charge slips, invoices, promissory notes, truth in lending insurance disclosures, and all other documents proving indebtedness ; and 5. Copies of all documents sen to me regarding the alleged account. 
Immediately remove this inaccurate and incomplete information from your databases, which I have advised Trans Union Corporation and its subsidiary Trans Union LLC on, at least, XXXX separate occasions, more than 60 days ago. 
This letter is not meant in any way to be an acknowledgment that I have any outstanding personal debt regarding disputed alleged debt. 

Sincerely, I am /XXXX/XXXX XXXX , on behalf XXXX XXXX , Without PrejudiceXXXX, United States XXXX ( XXXX. ) XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2016-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please see attached proof of filing with Transunion dated XXXX/XXXX/15, the credit reporting agency never investigated or properly processed the dispute. TransUnion file number is XXXX. The Transunion credit report dated XXXX/XXXX/15 has numerous ( at least XXXX ) charged off authorized user accounts that should have been removed. I am not legally responsible for repayment, nor am I under any legally binding contract with any of these authorized user credit cards. In fact, both XXXX and XXXX has removed these accounts immediately upon dispute.
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (DC)

Re : U.S. Bank Home Mortgage Account : XXXX ( XXXX XXXX ) On XXXX XXXX, 2015, we received a call from U.S. Bank stating that our XXXX mortgage payment had not been received. 
We checked our records and noted that we had paid the mortgage on XXXX XXXX, 2015, ahead of schedule, through a third party processor, XXXX, XXXX. 
Upon further inquiry, including talking to a supervisor, U.S. Bank continued to rudely and vehemently insist that payment on the mortgage account had not been received yet. Therefore, we went online and repaid our mortgage for XXXX, including payment of a {$5.00} fee for paying our mortgage " late. " Upon inquiring with our bank and third party payment processor this afternoon, we found evidence that U.S. Bank had not only received the entire payment, but also cashed the check made out by XXXX. We faxed this evidence to U.S. Bank XXXX and also followed up with a phone call where the agent was equally unhelpful and told us they could not find the payment, and could not reverse my {$5.00} fee. 
Either U.S. bank has yet to apply the payment or applied it incorrectly, but there is XXXX doubt the payment was received by them and now we have been defrauded by the bank for {$1600.00}
Consumer complaint received 2017-07-29
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: JPMORGAN CHASE & CO. (FL)

ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.
Consumer complaint received 2023-04-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (FL)

This complaint is about discrimination XXXX I'm XXXX, intentional mismanagement & refusal to speak to me as recently as XXXX XXXX despite the mortgage Co signing for certified letter from XXXX XXXX HUD counselor & I. My fiancee passed XX/XX/XXXX, I provided all documents to Cross Country Mortgage, in writing via email repeatedly for months yet was told by XXXX that they won't spk to me b/c i'm not the owner of home! the county already rec'd/recorded his death cert that I'm owner upon death survivorship. The Mortgage Servicing Co : XXXX XXXX XXXX had the wrong amount due for monthly mortgage since XX/XX/XXXX. XXXX would also consistently send documents via snail mail & hardship or other applications in the mail but would postmark date 1 or 2 days before deadline to return it. See attached proof. I filled out online hardship application on XX/XX/XXXX but it was deleted is now out of database, they've completely locked me out of the acct online & then foreclosure started without them even speaking to me nor notifying me, yet they've known my email address since XX/XX/XXXX. INSTEAD They sent LOSS MITIGATING PAPERWORK TO HIS daughter AT MY HOME ADDRESS!!! BUT SHE HAS NO CLAIM TO THE HOME & THEY REFUSED TO SEND IT TO ME. They would refuse to email or call me, made promises to call me & assign a rep to me but refused to do so EVEN after I filed a complaint with the Attorney General 's ofc in Florida, they only acknowledged it but never responded to me. I've filed several complaints with their attorney XXXX XXXXXXXX XXXX XXXXXXXX but never got a response nor resolution. I even sent them documents that show I am the primary beneficiary to his life insurance to show I can make the payments but still no resolution.
Consumer complaint received 2016-03-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Santander Bank did not credit my checking account the {$150.00} bonus, and is unwilling to tell me the timeframe it will take them to credit the funds to my account. This is a direct violation of the account agreement that was set up when I created the account with the {$150.00} promotion code. I fulfilled the full terms of the offer by making a Direct Deposit of {$500.00} into the account and keeping it in good order for 90 days. I am deeply troubled that Santander 's customer service was unwilling to give me a specific date that the bonus would be credited, and that I now have to present this to them via the CFPB. This should n't have to happen.
Consumer complaint received 2015-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I paid of my mortgage in XXXX XXXX sum of {$85000.00} they deleted it with out my consent I never ever even disputed nor did I try they removed my paid of XXXX XXXX XXXX sum {$35000.00} as XXXX XXXX the deleted my ally loan sum of {$29000.00} as of XXXX XXXX then I called them yesterday told them on XXXX/XXXX/XXXX that there was suspicious phone number XXXX on my fraud alert hows that they did n't know I asked them would they please change it back they did they asked XXXX security questions only I would no you hade XXXX anser each question with XXXX correct answers I did that it was good they deleted the old number that 's not mine put in correct number XXXX that was there from when the fraud alert was put on XXXX XXXX he was trying too figure out how that happened as seen the some one added extended fraud alert with that new number trying too block me from my credit report its raised red flag with them they were nice enough too help me out I told them I got there credit monitor as yesterday XXXX/XXXX/XXXX too protect me know but we have problem XXXX inquiries within starting XXXX XXXX till as of XXXX/XXXX/XXXX I called them on XXXX/XXXX/XXXX added security freeze I have the new freeze number they removed the old one due too some one got my mail transferred are come buy checked it took it out and try too block me out please help me I hade perfect XXXX with transunion in XXXX XXXX too XXXX XXXX know in down too XXXX what happen my house was deleted my XXXX paid loans were deleted XXXX has the paid mortgage and the XXXX car loans that are paid in full as well I tried too share them with them they told me nope they do n't do that yes there supposed too do that that 's my loans I worked hard too pay off all ask of them too do the wright thing as worked so hard too keep some what good credit it took some one trying too steal my identity too crash it please help me I know who has are trying too do this thanks
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (UT)

On XX/XX/year> I attempted to create an account to submit a request for a credit freeze. I was informed through the website that it was unable to identify me, and to call their number to have an agent verify my identity. I called the number, and was not able to verify with the automated system or reach a representative
Consumer complaint received 2016-06-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BBVA FINANCIAL CORPORATION ()

Yesterday I went online banking and was shocked after XXXX charges from XXXX for XXXX and XXXX for XXXX pending transactions, that I have Not made.I called the Bank Bbva Compass To stop those payments and block my card. They told me that will send a dispute form, but they ca n't stop the payment To merchants. Later I searched for those companies, and XXXX has the phone XXXX Business hours XXXX-XXXX Mo-Fri Eastern time, so they are closed during the weekend.And for the XXXX company I could n't find any information. I do n't buy online on websites different from XXXX or XXXX, so I do n't recognize any of these purchases. I keep my credit card in a safe place and last time I used was Saturday XXXX XXXX, To book a hotel through XXXX, that I cancel inmediately after the charge was made because I had untill XXXX XXXX To make changes To the booking. 
If the Bank is Not Protecting me from these frauds, what can you do To HELP me? 
I Realty need to avoid the charges, even on Wednesday I called the XXXX To search for a merchant XXXX that was offering discounts during the weekend forXXXX. So I dd Not buy or even contact the Company. 
Best regards, XXXX XXXX
Consumer complaint received 2017-09-09
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. ()

My data was included in the recent Equifax data breach and accessed by malicious people. This puts my personal information at risk ( social security number, previous addresses, possibly credit card information ). Equifax did a poor job at securing this information.
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX, 2016 I checked my XXXX report and it showed that an collections account, XXXX XXXX XXXX was deleted and reinserted in the same week. I have been disputing this account for a few months due to the fact that it is not mine. I have sent them several letters and have yet to receive a response. Transunion failed to notify me within 5 days that they were reinserting the collection account. They have broken the law.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (FL)

In XXXX XXXX, XXXX XXXX filed a mortgage foreclosure action in the Circuit Court of XXXX County, Florida. XXXX sold the Note and Mortgage to Nationstar Mortgage , LLC. XX/XX/XXXX, It was negotiated that I give XXXX a Deed in Lieu of Foreclosure. See attached. The deed was never recorded in the Public Records. Litigation went on in the case. In XX/XX/XXXX, Nationstar Mortgage , LLC and I entered into an agreement that Nationstar acknowledged that a Deed in Lieu was given in XX/XX/XXXX and that they would pay me {$7500.00} upon a XXXX being sent to them, Nationstar would record the Deed and give information to the XXXX credit bureaus that a Deed was given in XX/XX/XXXX. Nationstar did pay me, they did dismiss the suit in XXXX County, Florida but they never recorded the Deed nor did they sent information to the XXXX credit bureaus that this account had been satisfied. I desire that Nationstar Mortgage LLC own up to its part of the agreement by recording the Deed and send information to the XXXX credit bureaus that this account has been satisfied.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been trying to stop the company called XXXX XXXX from billing my credit card XXXX since XXXX.2015. I have had to dispute this charge every month for years now. I can not take it any longer. The credit card company blocks them and they use a different merchant number and start again.
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My social security number was used to open a credit account. I contacted TransUnion to put a fraud alert on my credit file and had to listen to a 2 minuet recorded advertising message to purchase their credit protection services at {$11.00} a month. This is absurd. I had to listen to the entire recorded message in order to get a confirmation that they had put a 90 day fraud alert on my account. They were able to hold me hostage at a time were I felt very insecure about the identity theft that happened to me. I ca n't even imagine how many people they are able to scare in to purchasing this service from them.
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Nationstar Mortgage failed to respond to my Qualified Written Request sent XX/XX/XXXX within the required period of time. 

Nationstar Mortgage failed to credit all of my payments on my mortgage after Nationstar acquired mortgage servicing rights from XXXX XXXX XXXX in XX/XX/XXXX, despite repeated requests to do so. 

Nationstar Mortgage has not cooperated in my attempt to refinance my loan through the HAMP program.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is a three-part issue, consisting of XXXX different entities. XXXX LA, XXXX XXXX XXXX and Transunion are reporting long-standing debts that are not mine and constantly renewing the debt so it will not elapse. The totals are for : XXXX LOUISIANA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Last Reported XXXX XXXX, XXXX Creditor Name XXXX LA Account XXXX XXXX XXXX Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Total {$130.00}. 
Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Type Utility Company Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Total {$120.00} I have provided evidence to them that 1 ) the information they have is incorrect 2 ) that I have not ever lived in XXXX XXXX or XXXX 3 ) Have provided multiple copies of police reports, sworn affidavits from my employer where I was located ( in XXXX ) and they have refused to remove this information. I was the victim of Identity theft and provided multiple legal standards and to this day, they refuse to remove or work with me. This is direct violation of the FCRA and I want it removed. They additionally refuse to provide proof of any kind that I solicited service. Look at the dates, I cant not be at 2 places at once, canceling service days BEFORE I get service. 

Transunion refuses to vet the information and takes the creditor side of issues and WILL NOT accept any information regarding this matter.
Consumer complaint received 2023-04-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (OH)

I am receiving restricted calls from the collection department ( Cross-country mortgage ) saying I'm not being worked with on a loan partial ( which I am working with loss mitigation ) for my Covid Forberence that ended in Decemeber XXXX. ( pictures attatched ). I received a call XX/XX/XXXX from the initials LiL ( women ). She did nothing but tell me I'm not being worked with on the loan partial when I know I am. I'm being in constant contact with the Loss mitigation department and I'm just waiting on the under writers. Due to high volume it is taking a little longer. So after I talk with initials LiL and she asks me for full payment I ask to be transfered to loss mitigation to see what's happening. Once I'm transfered a very rude gentleman in the background is yelling THIS IS NOT HOW IT WORKS and he hangs up!!! So I immediately call back and speak with a women from loss mitigation process and everything is fine she tells me they are just waiting for the approval and it will take time due to high volume. So now today XX/XX/XXXX I am receiving an email saying " We have previously notified you about the delinquency of your account. Our records indicate that we have not received your payment which was due on XX/XX/XXXX. ". I Was in covid Forberence until decemeber XXXX and resumed making my normal house payments in XX/XX/XXXX and since then have been making them. Why is the collection department saying I am delinquent from XX/XX/XXXX. Please look into my account. As of now I am being told I am waiting for approval on loan partial but am now starting to be harrased by the collection department.
Consumer complaint received 2015-07-29
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (PA)

My mother passed away XXXX months ago and she had a reverse mortgage on her property. We opted for a " Deed in lieu of Foreclosure Agreement '' on XXXX/XXXX/15. The mortgage company will not take ownership until the property is settled ( not scheduled for at least XXXX days ). On XXXX/XXXX/15 we discovered that the mortgage company placed a lock on my mother 's home without any notice or before they took ownership of the property. In XXXX, it is illegal to lockout a resident unless they have proof of ownership. I have the deed to my mother 's house in my possession and the mortgage company does not own at this time.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I, XXXX XXXX XXXX give permission to work my credit case file to get resolution to this matter. I called TransUnion today to inform the credit agent to please submit my dispute to report the correct Account History field to read, " Debt included in Chapter XXXX Bankruptcy was filed, and reported to XXXX XXXX XXXX in XXXX XXXX! TransUnion continues to report incorrect information on my credit profile. TranUnion is not properly validating the true file date of my BK-XXXX to be XXXX XXXX to be reflected onto the ACCOUNT HISTORY field of my report, but keeps reporting the incorrect BK-XXXX date as XXXX XXXX, XXXX and is not true data. The credit agent is to see if my request can be validated and confirm the correct BK-XXXX file date to Regional Acceptance to show XXXX XXXX and NOT XXXX XXXX and not reflect any late payments prior to filing BK-XXXX is WHY its very important to change the Account History date field on my credit report. Please make the necessary corrections, for this is to stay on my file until XXXX XXXX, and I want the revision completed as soon as possible! I have submitted documents from their database to show the discrepancy and to fix it right away. I have also left a message ( XXXX ), for XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to make this correction and re-insert this account back onto my account that was not supposed to be deleted off of my TransUnion report # XXXX, dated XXXX/XXXX/XXXX. it 's not supposed to be removed off any of my credit reporting accounts, and is to stay on my report until XXXX XXXX. Why are these companies getting away with violating FCRA laws? I am tired of the deceit and unlawful credit reporting that is done behind my back! These credit reporting agencies and XXXX XXXX has created costly damages to my credit scores that I will not be able to regain nor recover from XXXX XXXX. According to their letter dated XXXX XXXX, XXXX, XXXX XXXX was to re-insert the trade line - it was not done and does not show in my TransUnion report at all ... ... Will you please assist me in this matter? Thank you.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is reporting on my credit report I have a state tax lien in XXXX XXXX XXXX in the amount of {$58000.00}. I have no affiliation with anything or anybody in XXXX XXXX. My other credit reports do not show such information. I live in XXXX.
Consumer complaint received 2015-12-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AL)

My mortgage is currently in foreclosure with an auction date of XXXX. The nationstar agent and i reviewed my transaction report and agreed i am no only current but ahead of payment schedule. They said they could not complete due process by the XXXX date and the only alternative, given the time frame, is to send them almost XXXX. I began in XXXX trying to find out why they think i owed them XXXX. It was the last of XXXX when i received a foreclosure letter. I have documentation but the form will not allow me to upload it.