davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
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. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

I noticed a withdrawal on my checking account made on XX/XX/XXXX using my debit card for {$2000.00}. 
The withdrawal was made on XX/XX/XXXX in branch at XXXX XXXX. 

My husband and I went to the bank on XX/XX/XXXX, our local branch on XXXX XXXX in XXXX, to talk to manager XXXX XXXX XXXX and asked for assistance regarding the transaction in question. 

The manager immediately closed the debit card and took notes on this {$2000.00} withdrawal and 2 other charges to our account. The other 2 transactions were dated on XX/XX/XXXX our card being used in XXXX XXXX for a hotel and the associated International Purchase Transaction Fee. We were told by XXXX that someone from their fraud department would call us within XXXX to XXXX hours. No such call came. 

On XX/XX/XXXX I received a letter from Wells Fargo that the claim had been reviewed and it was determined that the withdrawal was valid either by me or someone whom I had given my permission. 

Back to the branch and XXXX, who stated that I had been contacted on XX/XX/XXXX by the investigator on this claim # XXXX. 

Again on XX/XX/XXXXXXXX XXXX stated I would be contacted by an XXXX within 24 to 48 hours, On XX/XX/XXXX @ XXXX I again went to speak to XXXX XXXX and was reassured I would be contacted via e-mail regarding this claim. 

I have exhausted my patience with this bank and am very upset at this lack of customer service. XXXX  XXXX not coffee money, it is a huge amount of money for a retired couple living on a fixed income! 

I appreciate your attention to my complaint and wait to hear from you.
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG MORTGAGE, INC (FL)

On or about XX/XX/XXXX, I called XXXX XXXX alerting them to my address change so I knew this insurance company had updated information. Apparently, the bill that XXXX sent mis-filed to a mortgage account I had closed and CMG Mortgage did not pay the renewal bill. On XX/XX/XXXX, CMG Mortgage issued a check in the amount of {$2700.00} to a re-insurance company, XXXX XXXX. When I noticed the error, I spent over five hours on the phone and was promised the situation would be taken care of and my escrow account would be credited for the {$2700.00} and a check in the correct amount of {$1500.00} would be sent to the correct home insurance company. I then received my monthly statement for XXXX and in that statement was a notice that my escrow was being increased {$240.00} a month due to this bank error! On XX/XX/2024, I spent another 2 hours on the phone to be told that XXXX XXXX, which was incorrectly sent the payment, has the money in a suspension account and they can not tell me when a refund will be issued. In the meantime, I was told by CMG Mortgage that I must pay the increased mortgage/escrow payment or the account will be considered delinquent. 
No human on this planet has enough patience to deal with this kind of negligence. I requested to speak to an Ombudsman or a CMG representative in their legal department and was told they don't have one. I need help or an advocate to help me with this as I can not afford this increase, nor do I owe this money to CMG mortgage. Please help me. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-28
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. (FL)

Seeking prompt federal resolution for unapproved addresses and credit accounts. 

My credit report shows accounts I didnt authorize, violating the Fair Credit Reporting Act ( FCRA ) and harming my finances. Despite contacting TransUnion Intermediate Holdings , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, unauthorized accounts from XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX I request the CFPB along with the use of the Federal Trade Commission ( FTC ) to enforce my rights under federal guidelines, ensuring these accounts are removed immediately to protect my financial health. 

Urgent federal intervention is needed to uphold my consumer rights by deleting these addresses and accounts swiftly.
Consumer complaint received 2023-11-07
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: Onity Group Inc. (NY)

My name is XXXX XXXX, Ive resided at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, for over 25 years. I unfortunately became XXXX and no longer earn wages ( source of income is XXXX ) Ive fallen behind on payment to my mortgage company, PHH mortgages, loan # XXXX. Unsuccessfully Ive reached out to get a modification but have been instructed to pay off the entire delinquent amount before modification can be given to our property. Ive also gathered enough money to make a payment, the company has rejected it XXXX times. We have intensions of keeping our home. Kindly asking for help in this matter.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX EMP Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX XXXX XXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-01-07
Product: Credit 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: BARCLAYS BANK DELAWARE (NC)

A merchant called XXXX charged my credit card {$230.00} twice on XX/XX/ ( totaling {$460.00} ). I did not make the charges or receive any merchandise from the merchant. I disputed the claim. Barclays ( credit card company ) sent me XXXX  two letters stating that they investigated the dispute and determined the merchant provided documentation to prove the charge. I called Barclays, but the agent was not forthcoming about merchant information. The agent did not explain what the charges were for or where the products were mailed. The agent reopened the case, but Barclays has not communicated information. I don't understand why Barclays would not explain their findings. They could have provided the merchant 's contact information but didn't.
Consumer complaint received 2023-03-24
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/16 Balance : {$0.00}
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

To whom this may concern, I have recently took a look at my credit report and noticed quite a few things that werent correct as a result of possible fraud. According to 15 U.S. 1681c-2 ( block of information results from identity theft ), the following items must be blocked, however, I would like them removed because I did not authorize them. Failure to do so will result in me taking legal action against companies listed in this dispute. 

The following items are a result of fraud and the following companies are reporting them : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (CA)

It all started when I was trying to set up autopay with Verizon. Instead of pressing the Apply button, I pressed Apply now. The apply now button was for Synchrony Bank 's verizon visa.credit card unbeknownst to me. When it came, I shredded it because I did not want it. On XX/XX/24 Synchrony Bank sent me a letter to activate my card account number last 4 digits ending in XXXX. When I tried to call them, I did not have the card number because I shredded it so it was difficult to get through to a live person to explain. The next thing that happened was Synchrony sent me a bill in the amount of {$110.00} for what? Someone at Synchrony ILLEGALLY activated a card that I shredded and never used. They continue to tell me that it is linked to a Verizon account. I have gone to Verizon and they have called Synchrony Bank on my behalf several times and twice we were transferred and disconnected. Verizon has checked everything for any links there are none connected to Synchrony. Synchrony continues to send me bogus charges on a credit card that was NEVER ACTIVATED. I just received another letter from Synchrony dated XX/XX/24, account number XXXX?? stating that my current balance is {$140.00}. All I want Synchrony to do is to close any accounts under my name. I owe them XXXX and they owe me XXXX. Verizon also called and their fraud department has done nothing and I have yet to hear back from them. I WANT THEM THEM TO CEASE AND DESIST.
Consumer complaint received 2019-10-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NC)

Something does not seem right with the amount I paid for my home the loan amount vs the selling price. I was billed around XXXX XXXX, 2012 for my home but I checked XXXX to see what houses are selling for in my area an it said my house last sold for {$190000.00}. I feel the realtor fudge the numbers ...
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

XXXX XXXX XXXX : Account Number XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : Account Number XXXX, XXXX XXXX : Account XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XXXX : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX REMOVAL BELOW Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To XXXX XXXX XXXX concern you have violated my rights under the FCRA. 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section XXXX ( a ) ( XXXX ). 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX Made by your company XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ) XX/XX/XXXX Made by your company SYNCB/LOWES on XXXX XXXX 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX XXXX. 

Made by your company XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX ) XX/XX/XXXX Made by your company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Made by your company XXXX ( Bank ) XX/XX/XXXX Late payments ACCOUNTS : Need removed BELOW. 

XXXX XXXX I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 XXXX XXXX  with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX with account number XXXX Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 

XXXX XXXX
Consumer complaint received 2023-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (IL)

This is a follow up to the complaint I filed with you with claim number XXXX on XX/XX/XXXX. Today, XX/XX/XXXX I got notice that PHH finally applied the payment they automatically withdrew from my bank account on XX/XX/XXXX to my final payoff. However, even though I paid off the mortgage through an ACH on the due date of XX/XX/XXXX, in the 19 days it took for PHH to apply my payment to my final payoff of my mortgage, I accrued late fee interest of {$55.00}, even though both escalation agents with whom I spoke on XX/XX/XXXX and XX/XX/XXXX assured me that they would not charge me any late fees because they actually had my money, and it was PHH that held it in an unsecured fund designation and did not apply it to my mortgage payment in a timely manner. The letter I received today via email indicated that {$55.00} has come out of the refund that PHH has designated as the refund they owe me and my husband after my XX/XX/XXXX payment was applied to the loan final pay-off. Today I spoke XXXX at XXXX, an escalation manager with ID # XXXX, and she informed me she needs to talk with the previous escalation manager to try to refund my late fee, that it was not a guarantee I would get that ridiculous late fee returned! XXXX said she would email me back an answer with 24-48 hours. 

In addition, I asked for the automatic withdrawals to be turned off on XXXX when I spoke with the first escalation agent, and on XX/XX/XXXX with the next escalation agent I spoke with. I also put this request in writing on XX/XX/XXXX, and received an email back stating they will put the request in for the stoppage of the automatic withdrawal in 3 days. As of right now, there are no indications that my automatic withdrawals will stop. I was not allowed to turn off the automatic withdrawals for the last 60 days, indicating my account was no longer eligible to do so. I am afraid another {$3400.00} with be automatically withdrawn on XX/XX/XXXX, as I have no confidence in this agency and their fraudulent approach to things.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CO)

Dear Chase Executive, On XX/XX/2024 wanted open checking didn't want miss out XXXX bonus also my dad pass away. 
I am aware stating that I have an outstanding balance, which is preventing me from opening an online investing account. I would like to request more information about this balance, as I am not aware of any unpaid amounts or issues with my account. 

Could you please provide me with a detailed statement or transaction history that led to this outstanding balance? Additionally, I would like to understand my options for resolving this matter, whether through payment or by addressing any potential discrepancies. Considering I'm willing take my responsibility to you. See screen shot of what I been told. 

I am eager to clear up any issues promptly and proceed with opening my investing account. Your guidance on this matter would be greatly appreciated. 

Thank you for your assistance. 

Sincerely, XXXX
Consumer complaint received 2024-07-11
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. (IN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.