davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There was an account opened with XXXX I have never opened an account with XXXX. I am a victim of identity theft. below you will see. 

Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 32 Months Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$3100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ 0 Times XXXX/XXXX/XXXX Days Late XXXX Remarks Charged off as bad debt Purchased by another lender Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 


Creditor Contact Details XXXX XXXX, TX XXXX ( XXXX ) XXXX Direct Dispute
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent several dispute letters regarding several accounts that are being reported inaccurately with late payments even though I pay everything on time. I sent letters to the bureaus XXXX, XXXX, and Transunion. They have written back to me several times promising that they have done research and have fixed the reporting. However, there are no actual changes in the report. This has been going on for several months and they seem to be ignoring the mistakes. They have not provided me with any documents proving these late payments are accurate. Please make sure they delete the status immediately on the following accounts : XXXX XXXX XXXX account- # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and account # XXXX, XXXX XXXX account XXXX XXXX and account XXXX is also XXXX account which all XXXX bureaus must have realized the late payments were incorrect and deleted it. However, Trans union suddenly started reporting the late payments again. This account is : XXXX- account # XXXX
Consumer complaint received 2023-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX XXXX applied for an auto loan 7 inquiries appear in my XXXX transunion credit reports 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.and several more in Transunion credit agencies claiming they considerer just 1 inquiry ... .that 's not true Requested delete 7 to 9 and leave 1 inquiry ... that's fair my credit report is damaged for that reason Thank you
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXX/XX/XXXX are ALL FRAUD UNAUTHORIZED HARD INQUIRIES. I've filed and submitted with FTC back in XX/XX/XXXX, placed a fraud alert on all bureaus, and have asked Equifax to remove these inquiries. XXXX has been deleted and removed as a fraud account off my equifax report but I still have the hard inquiry. I never applied for anything under XXXX XXXX in XXXX of XXXX. XXXX XXXX was an acct closed in XXXX, so how do I have an inquiry of XX/XX/XXXX. Equifax had failed to remove and or investigate properly.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

I sent a letter off requesting the information regarding this account that should never been on my credit profile it was removed after sending them a letter several times I never received a lot of back from them which was one violation ... Based on the bad credit report and act 2, the second violation is that they constantly is reporting inaccurate information please see attached to evidence I also recorded the representative who I spoke to
Consumer complaint received 2023-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HANCOCK WHITNEY BANK (TX)

Dear CFPB, Hancock Whitney continues to send me tax delinquent notices ( latest on XX/XX/XXXX ). Hancock stated on XX/XX/XXXX, in reply to my earlier CFPB complaint ( # XXXX ), they understand I was paying quarterly taxes and was not delinquent. Further Hancock Whitney stated they would place a note on my account and would stop any further delinquent tax notices. 

I received another tax delinquency notice ( attached ) from Hancock threatening to establish an escrow account ( none has existed since this loan was approved in XXXX ). 

On XX/XX/XXXX, I called Hancock Customer Service, XXXX, in attempt to resolve. The phone agents including a supervisor were not able to resolve ( they could not find the note in my file ). 

I want Hancock Whitney 's mortgage servicing company to fix the computer program that is generating this incorrect tax delinquency notice. Their processes are seriously broken. 

Thank you.
Consumer complaint received 2023-08-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (MA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Coinbase, a financial service provider, due to their unfair and arbitrary restrictions imposed on my account. I find myself in a distressing situation as I have been permanently banned from sending assets off of their platform without any reasonable explanation or evidence to justify their actions. I firmly believe that I am a victim of Coinbase 's opaqueness and lack of transparency in handling customer accounts. 

I want to emphasize that I have not engaged in any suspicious or fraudulent activity whatsoever. Despite this, Coinbase has unjustly restricted my account, hindering my ability to utilize the assets I rightfully own. I vehemently challenge Coinbase to provide any concrete evidence supporting their baseless claims. As a user who has consistently used Coinbase responsibly, safely, and securely, their vague justification to " protect from scam or fraud '' is nothing short of an unacceptable and inadequate response. 

The lack of clarity from Coinbase regarding the specific reasons behind this permanent ban only deepens my sense of injustice and frustration. My numerous attempts to seek an explanation and resolution from their customer support have been met with automated responses, vague replies, and no substantive actions taken to address my concerns. 

I consider Coinbase 's actions to be an abuse of power and a violation of my rights as a customer. This sudden and unwarranted restriction on my account has caused me significant financial and emotional distress. Moreover, Coinbase 's unwillingness to provide transparent and accountable support further exacerbates the sense of helplessness and vulnerability that I am experiencing. 

Therefore, I urgently request the Consumer Financial Protection Bureau to intervene in this matter and investigate the unjust ban on my Coinbase account. I implore you to hold Coinbase accountable for their arbitrary actions and compel them to provide a valid and concrete reason for the restrictions they have imposed on my account. Additionally, I seek your assistance in ensuring that the unfair ban on my account is immediately lifted, and my access to my assets is restored without further delay. 

I trust that the CFPB will conduct a thorough investigation into this matter and help bring an equitable resolution to this unfortunate situation. I look forward to your prompt attention and action in rectifying this matter and ensuring that other customers are protected from similar arbitrary actions in the future. 

Thank you for your understanding and support. 

Sincerely, XXXX
Consumer complaint received 2023-08-04
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'm reaching out to let the credit bureaus know to knock it off this game they are playing with the banks. i am no fool i am aware the credit bureaus are being monopolized by the banks to dish out higher rates to consumers. i have been closely watching what has been going on with my credit for some time now and i have good information within my credit file reporting to the credit bureaus and yet every time i get close to hitting XXXX i get dropped and i even have a graph supporting my claim that shows score dropping every time i get close to hitting XXXX and every time i check why their is no explanation at all like seen in the image below
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am a victim of identity theft and have an unauthorized and fraudulent credit inquiry listed on my Trans Union credit report that do n't belong to me. I made a police report with XXXX XXXX Police Department and sent a copy of the police report to Trans Union a few weeks ago in regards to the unauthorized and fraudulent credit inquiry. The police report case number is : XXXX. The following unauthorized and fraudulent credit inquiry do n't belong to me : XXXX XXXX XXXX, XXXX/XXXX/2015
Consumer complaint received 2015-08-06
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: ALLY FINANCIAL INC. (DC)

I set up a car payment with Ally auto for XXXX XXXX, 2015. I then decided to reschedule that payment for XXXX XXXX to wait for my payday. I went back into my account and saw that I still had the option to cancel the payment, so I did. The payment said it was cancelled on my end. I then proceeded to set up a new payment to come out on my payday. On XXXX XXXX, ally auto deducted {$410.00} from my bank account, and then deducted another {$410.00} from my bank account on XXXX XXXX. I called both the bank and the auto finance company to explain the situation, that I was double charged, and set up a dispute. My dispute was denied.
Consumer complaint received 2016-10-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have disputed inaccurate, unverifiable negative information on my credit report with transunion, XXXX, and XXXX. I have not recieved any information on any investigation on the disputes that i have made. If account information was updated the results would reflect on all XXXX bureau 's after a very short time. The same time frame should reflect on deleted accounts. The fair and accurate credit reporting act has been violated by the XXXX credit bureaus by not updating there investigation results upon conclusion of investigation.
Consumer complaint received 2017-03-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VA)

In XX/XX/XXXX I called Navient to find out why I was receiving a statement and what I could do to lower my payment even though I should not be in payback status right now ( I filed a previous claim with CFPB in XXXX and then disputed Navients false dates of school enrollment and forbearance period and deferment period on XX/XX/XXXX ). As a result of this call the customer service agent said I used all of my time I was upset because I knew I had not used that time and I should not have been in repayment. She apologized and offered to reduce the payment and said it will not be effective in time for the payment due in a few days. She never told me to contact the financial assistance department for options on reducing or setting up arrangements all she said was I was able to lower your payment from almost {$400.00} to {$250.00}. It was not until months later that I learned she placed me in an interest only plan with no payment going to the principal. I did not ask for that, I did not agree to that, and nor would I have agreed to those terms. I work in accounting and finance I understand how interest only payments work! This blanket intentional assigning of clients to payment plans they did not agree to, deferments they did not request, not properly informing clients of other repayment options, and making it difficult to repay is downright wrong and scrupulous. XXXX the Navient XXXX XXXX never returned my call once he saw and confirmed that the dates of enrollment were incorrect on their end in addition to confirming that in XXXX ( after XXXX XXXX created Navient XXXX placed me in a blanket deferment status and should not have done so. He was supposed to be working on finding out if they were going to restore the entire year that was lost after I forwarded from the school my official enrollment dates. I called and called and he never called back and never confirmed that he or his office ever received the official enrollment transaction in order to restore the erroneous lost time. I am completely disgusted with XXXX XXXX and Navient for not taking ownership of the mishandling of these accounts prior to XXXX XXXX creating Navient right on down to Navients current deceitful practices and operations.
Consumer complaint received 2017-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TN)

I enrolled at XXXX here in XXXX, TN back in XX/XX/XXXX. Moved into my dorm the same month. I applied for financial aid and it was awarded to me. I never received a schedule, nor books. My financial aid advisor later informed me that I would have to withdraw or take out an additional loan, because I did not have enough money to cover my cost. I ended up withdrawing I think in XX/XX/XXXX. Till this day XX/XX/XXXX, I 'm still struggling to pay a loan for a school I never attended. Due to my age my mom an I went to the school and spoke with The President, and he promised to get back with us, and we never heard back from him. We were told that the financial aid advisor had been fired because she was stealing the money, and nothing on my end could be done.
Consumer complaint received 2017-03-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Describe what happened so we can understand the issue ... 
Santander Bank Mail Code:XXXX XXXX. XXXX XXXX XXXX, Pa XXXX continues collection efforts in reference to Account Number XXXX after receiving written notification by XXXX XXXX XXXX and XXXX XXXX XXXX to cease all communication regarding this account. The attached letter was sent in XX/XX/2016 and Santander Bank continued to send four additional months of late notices after the cease and desist notice. In addition they continue collect efforts after receiving written notice from my attorney XXXX XXXX XXXX from XXXX, XXXX, XXXX XXXX XXXX. These actions are in direct violation of 15 USC 1692c 805. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated. In addition 15 USC 1692d 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have an account with Bank of America and recently I got a letter in the mail stating that my credit limit was decreased and that they did a random review and decided upon that. I then called the company stating that because they did decrease the limit my debt to credit ratio will be higher. I was assured because I have not used the card it would not be up. Well a week later I got a statement stating that my bill will go from {$58.00} to {$150.00} this is all in the span of a week. I reached out to several associates including a supervisor and the companies consolidation firm and was told I didnt qualify for anything because I had a great payment history. I was confused because the increase on my low income would be hard to pay considering my budget. I was also told that if I can afford one payment I could afford the other and try government agencies like welfare and food stamps. I have never had a company decrease my limit and had a huge jump in payment when the card hasnt been used in months.
Consumer complaint received 2024-10-05
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: EQUIFAX, INC. (PA)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

XXXX XXXX, XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2015-10-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: First Associates Loan Servicing LLC (PA)

I just found out that I have to pay off an additional student loan. XXXX XXXX XXXX ( the school that I attended from XX/XX/XXXX through XX/XX/XXXX ), made me sign documents that I had not reviewed. They said if I did not sign the paperwork that I could not graduate. I desperately wanted to graduate and get a job so I signed them. The paperwork must have been for the private PEAKS loan totaling over {$18000.00}. There was no activity on these loans while I was attending the school or after I graduated. They are seeking payment now.
Consumer complaint received 2016-10-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CO)

XX/XX/XXXX my then husband and I ended up foreclosing on our home. Our last payments made to the mortgage lenders was XX/XX/XXXX. Once we left the property we received nothing further from any of the Mortgage lenders. Credit reports pulled XX/XX/XXXX showed ALL mortgage accounts as 'closed '. I have these reports. XX/XX/XXXX, well past the Colorado statue of limitations ( 6 years ) I was being sued by XXXX, XXXX, Assignee of XXXX XXXX XXXX XXXX , XXXX. I disputed the claims and now have a Judgement on my credit! The original loan debt was for $ XXXX. The judgement is for $ XXXX!! I have been back and forth with XXXX XXXX whom have just informed me that this is NOT their case and that it is in fact GMAC. Whom purchased the loan from XXXX XXXX back in XXXX XXXX.
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

I had set up a direct payment of monthly mortgage from my brokerage account. OCwen was pulling payment from the account. I moved the brokerage account and set up an auto payment EFT TO Ocwen. They did not stop trying to pull from the old account after being notified of the new account. The mortgage was being paid from the new account but now they have put a restriction on the mortgage and want payment by bank check or money order EVEN thought the mortgage has been paid each month on time from the new account. Ca n't get it resolved with there " customer service ''. Frustrating
Consumer complaint received 2015-07-21
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MO)

Ocwen loan servicing assumed my mortgage roughly 2 years ago. When they assumed the loan, I had a payment trailing due to my husband losing his job after a XXXX related to his XXXX XXXX. I have tried multiple times since then to resolve the issue. Ocwen will only offer me loan modification and that is not likely due to my current credit issues. I have paid extra to Ocwen but they hold the extra that is paid and do not apply it. Currently there is {$350.00} sitting somewhere and not being applied to the mortgage ( see attached pictures ). Ocwen has also charged me fees such as {$25.00} to come to my home to place a note on my door stating to call them because of a late payment ( payment that was not paid when they assumed the loan from XX/XX/XXXX ). When I called them about this issue they stated that they need to make sure that the property is still occupied. I demanded that this stop due to the fact that I was making a monthly payment to them every month and had tried to resolve the issue multiple times. It did stop at that point. 
In XX/XX/XXXX, my husband and I were forced to file bankruptcy due to him still having issues and being unemployed. I have been making my mortgage every month and intended to keep my home. Ocwen has filed paperwork stating that I have not made a mortgage payment to them since XX/XX/XXXX, though I have the bank statements and cleared checks to prove otherwise. 
This company is fraudulently attempting to foreclose and will work toward a resolution. They refuse to give a forebearance and place that payment at the end of the loan. They have only offered modification which I have explained I do not need. I can afford to make the payment but I can not come up with the over {$2000.00} in overdue and fees that they state that I owe. 
In XX/XX/XXXX, they refused to accept a payment from me because I was in Chapter XXXX even though I called to make a payment to them. After much run around, I was finally able to obtain an address to mail payments to and began sending my monthly payment to the address that I found. When I send the payments, it takes over XXXX weeks to clear and they are stating that they are not receiving those payments.