davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

TD bank, XXXX XXXX, NY closed my all my bank accounts, black listed me from all their systems without giving me any reason/explanation. 
They didnt even notify me. They did send a mail but that had my husbands account number on that letter. So I thought its my husband 's account what will be closed. 

On the final day of closing account, one of the TD rep informally told me it was due to some cash transaction and no satisfactory explanation, my account is closed. 



We were saving money for a downpayment for home buying. I got some cash deposited to my account and at that time XX/XX/, the branch manager called me and I gave him all the explanation he asked for. Told him it was for a downpayment I collected cash, the manager was satisfied but apparently he didnt record that explanation with my account. Apparently which caused this confusion/closing account. 

During closing my account Td bank representation told me she is not seeing any explanation related to my cash transaction. 

I think this is not fair they closed my account due to branch manager failed to take note of my explanation. I gave them explanation for whatever they asked me but still they closed my account without notifying me. 

This caused me lot of family issues.
Consumer complaint received 2023-10-10
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. (WV)

I have no knowledge of the mentioned inquiries, and I respectfully urge you to deal with this matter promptly. I have enclosed supporting documents for your reference. Kindly conduct an investigation into the matter and take suitable actions for its resolution.
Consumer complaint received 2023-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (TX)

PHH Mortgage, formerly OCWEN, serviced by XXXX has repeatedly charged late fees and " other fees '' and has recently sent a " Notice of Default '' demanding payment of the mortgage payments that were already sent AND they demand the late fees for payments that were sent on time or they threaten to foreclose. I have always sent my payments prior to the 15th of the month, which is the allowed time frame per the mortgage contract. I have always sent my payments via certified mail and have receipts for each month. I will include some of these receipts as attachments. 
The most recent letter dated XX/XX/XXXX  stated that the payment for XXXX hadn't been received. That payment was mailed certified mail on XX/XX/. They are attempting to charge me late fees due to their poor processing times. 
On XX/XX/XXXX  XXXX sent a " Notice of Default '' stating that I had to pay {$2800.00} prior to XX/XX/, which included {$840.00} in late fees. " Failure to cure the default on or before the date specified in the notice will result in acceleration of the sums secured by this Security Instrument and the sale of the property. Upon acceleration, the total obligation will be immediately due and payable without further demand. '' On XX/XX/XXXX  I sent a check via certified mail for the full amount of {$2800.00} to stop their threat of acceleration and foreclosure. 
I have sued OCWEN in a court of law for this exact same predatory lender tactic. I am willing to file suit against them again, but wanted to try this government complaint process first. 
Yesterday, XX/XX/2023, I received a credit score update and was alerted to the fact that PHH had reported two 30 days late reports to the credit reporting companies which has destroyed my credit. PHH Mortgage, formerly known as OCWEN Mortgage and their loan servicing company are predatory lenders.
Consumer complaint received 2023-04-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-06-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Barham & Maucere LLC (OH)

We took out this interest only XXXX in XX/XX/XXXX. The interest rate went up so high we were having trouble paying it. We tried to refinance it for 3 years with XXXXXXXX XXXX, but equity and debt-to-income was a problem, so we were unsuccessful. In XX/XX/XXXX we filed a XXXX XXXX. The last payment we made on this debt was in XX/XX/XXXX. It reached it final maturity on XX/XX/XXXX. It is now owned by XXXX XXXX XXXX XXXX XXXX and they are threatening foreclosure. The statute of limitation has run out on this debt. It's been over 15 years. I am working with a lawyer and XXXX XXXX and their lawyers refuse to even respond to my lawyer regarding the matter of this old debt. My husband passed away XX/XX/XXXX the house was in a trust, and I am the successor trustee.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Southern Management Systems Inc. (OK)

On XX/XX/2023 A dispute was made with XXXX for an account that has already been paid for from a different collection agency ( XXXX  ) for the same original creditor ( XXXX apartments ). I provided receipts and notified current collection agency ( Southern Management ) that debt was already paid and it needs to be deleted from my credit report. However the account was just updated and never deleted due to accurate and verified information The current collection agency requested proof of payment which proof has been provided. I just want to make sure account is removed as stated.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (CA)

On Tuesday, XX/XX/23, I received an email from a credit monitoring service indicating that an inquiry had been detected on my credit report. Immediately thereafter I received a " Welcome '' email from JetBlue airlines. Suspecting fraud, I called Barclay, the company which issues Jetblue cards, and it confirmed that a credit card had just been opened in my name. The identity thieves used my real, current email address, date of birth, social security number, my former mailing address and my former phone number in the fraudulent application which was submitted through a link on the JetBlue flight booking site. I requested that the account be closed and the unauthorized inquiry be removed, however, Barclay refuses to remove the inquiry from my credit report per a XX/XX/23 letter. The XXXX police report associated with this incident is XXXX.
Consumer complaint received 2023-11-26
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (NY)

Hi I been trying to get us direct Express to have my XXXX funds go on a new card they sent me a new card ok now there fraud department won't release and unlock the card when XXXX has my payments going to the card.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

Due to a clerical error with coding my Social Security XXXX check stop coming in from XXXX to XXXX. I was unable to make timely payments on my XXXX XXXX XXXX XXXX XXXX XXXX called and harassed me with about 6 calls a day. When I finally got the back pay from Social Security I made two payments on my credit card ending in XXXX. The first payment was XX/XX/XXXX for {$440.00} which was the full past due amount. Then on XX/XX/XXXX I paid the card off and made a payment of {$1800.00}. I had previously had fraudulent charges on the account and had asked for it to be closed. They said they could not until it was paid off. This was about a year ago. I forgot all about that when paying this card off and stupidly gave them every dime I had to pay this off thinking I could use it again. 
So I paid the card off and then BOOM they immediately closed the card leaving me with nothing. Then to make matters worse they lied to the credit bureaus and made false claims when I disputed the amount owed on the card. I filed a dispute because I paid off the card. After the dispute was over they lied again and never updated or corrected that I had paid the card off. I also called XXXX XXXX to reopen the card several times and they refuse.
Consumer complaint received 2023-09-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

XXXXXXXX XXXX and their Servicer, Heartland ECSI. 

My Principal payments and Interest payments have been changing every few months without me being notified. This resulted in late fees and damage to my credit scores. 

I have called them and asked them why the price changes, which they claim is variable interest rates changing every 3 monthd. But my principal amount owed each month also changes seemingly randomly which makes no sense. In addition, my interest owed each month is also inconsistent almost as if it changes every single month. 

I also asked them why I do not received emailed billing statements even though i signed up for it on their system, and they would not answer. 

They also would not explain why my payment owed changes every single month. I had the account on auto pay, but the amount changing every single month without notice caused the account to fall behind and they charged me late fees. I am at a point where I'm scared of this account and have to check it every single day to make sure I don't owe some random amount. 

On XX/XX/XXXX I had to pay {$910.00} because of this issue. When I called them, they said it was not their problem and they could do nothing and did not give any explanations It happened again On XX/XX/XXXX I had to pay a total of {$860.00} because of this issue. Then on XX/XX/XXXX another charge of {$40.00} was owed for seemingly no reason Then on XX/XX/XXXX, another {$44.00} was owed without explanation. 

I've reviewed the charges on the account and the principal amount owed each month is never the same and the interest raises randomly without notice. 

Their customer support would only tell me variable interest rates and not explain how my payments went from {$130.00} to {$510.00} in 6 months with only a 1.7 % interest rate hike during this time. 

They are gouging money from me and pushing me towards the brink of bankruptcy without remorse or explanation. And then they change the amount without sending me statements and charge me late fees. My payments went from {$130.00} to {$510.00} in 6 months without any warning or notification between changes and I have been charged fees for every single late payment because if these random and unannounced changes. 

I was even told I still owed {$800.00} when my account only showed {$59.00} owed and they would not explain this. I never receive billing statements at my email like I signed up for and I can only access the statements after the fact, at which point they are of no help.
Consumer complaint received 2023-04-20
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. (PA)

XXXX have these negative items on my report I tried to resolve the issue and its still not fix.None of the companies XXXX XXXX XXXX XXXXXXXX or any of the negative items on my report have a agreement with my signature or valid contract.I didnt give any of these companies to share any information.They dont have a statement saying I paid them anything.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$280.00}
Consumer complaint received 2023-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

In accondance with the Fair Credt Reporting Act I am not liable for this debt of {$910.00} with LVNV FUNDING LLC, LVNV FUNDING LLC Account XXXX.which has violated my rights. I do not have a contract wi

th LVNV FUNDING, they did not provide me with the original contract as I requested with my wet signature and ID verification. I also can provide inaccurate information between the 3 credit bureaus in which Ive contacted to dispute the account 15 U.S. C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : 11 also states a consumer reporting agency can not furnish a accourt without my written instructions 15 U.S. C 1681s-2b
Consumer complaint received 2023-12-27
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/2023 I learned that my statement was reflecting an incorrect payment date, due to CONCERNING DISCREPANCIES seen in my online account and billing statement, I requested assistance and direct contact information for the dispute department. 

The representative who took my call upon transfer REFUSED to give me the appropriate contact information, thus violating my consumer rights and preventing need an opportunity to send in documentation. In total I was in the phone over 40-minutes.

The representative would not provide the necessary information required to enforce my rights as a consumer. Im concerned
that Capital one may be involved in fraudulent activity as my concerns to have the suspicious and inaccurate information in my bill investigated.
Consumer complaint received 2023-08-03
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: CAINE & WEINER COMPANY, INC. (MN)

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, Caine Weiner Compa Reported : XX/XX/2023. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2023-07-09
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: Experian Information Solutions Inc. (NC)

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. 

Account name : XXXX XXXX XXXX, Account name : # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION ()

Ordered a thermostat online from XXXX XXXX tried to cancel less than 24 hours with that seller. As i had to have replaced right away as mine failed when over XXXX degrees outside... contacted By email, No reply, Tried to call them several times never answer phone only get voicemail left messages No reply... never received product only received 1 email confirmation my order .... 
I have filed a fraud complaint with my bank Truist Bank ..they denied me in there favor?? the first time with a letter stating the company has had no dealing with me whatsoever??? Find that impossible as that company can not be reached?? I then called Truist Bank fraud department back gave copies of my emails, copies of pictures of my phine calls to that company. I also went directly to my bank branch with everything. I have had to call them twice so far for update, and nothing is resolved yet.. THEY gave {$81.00} of my money to somebody be debit card or not should get it back. I had canceled that order less than 24 hours and never received refund nor did they send the thermostat either. The bank had to have lied to me when they first denied me so quick as if they spoke to this company that does not answer phone only has voicemail and does not reply to voicemail. It's been just over 2 months, I would think a good bank would take care of there customers? I have since pulled most all of my money from Truist bank including closing a CD which they charged {$100.00} to close early wow bad business. I changed to a different bank. Seriously over {$81.00} they gave it to somebody and need to refund me and take it back from whomever.
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (TN)

In XX/XX/2023 I received a call from Card Loss XXXX regarding a charge. I was unable to take the call so they locked my card for any further use. When I did call the number back on XX/XX/XXXX to state the transaction was unauthorized the system directed me to a live agent. I was unable to speak with an agent then so I spoke to a Chat agent on XX/XX/XXXX she referred me back to Card Loss Prevention her XXXX is XXXX XXXX XXXX. I called back on XX/XX/XXXX to speak with the department to state the transaction was unauthorized she proceeded to verify my information when I did verify she refused to continue the conversation and wanted to transfer me to Customer Service. She started to ask for my driver 's license number and social security. I advised her that I would rather speak with another XXXX XXXX agent since she was unwilling to send me a new debit card. After the wait, she instead took me to a supervisor by the name of XXXX and she started to verify me and told me that a new card would be sent out to me since the number is no longer protected. The card never came. The account needed to have a deposit to bring it current, however, I can not visit an ATM to deposit any funds since the card is prohibited. I spoke with someone else via the XXXX channel and that person mailed me a new card and pin number but it was too late because the next few days the account was closed. This all could have been avoided if the previous agent and XXXX mailed out a new card as I requested. I spoke to the Collections department on XX/XX/XXXX and inquired about having my account reopened due to their lack of information and bank error. The agent wouldn't put in the request to have the account reopened and I proceeded to file this complaint. The agent informed me a cashier check would be mailed which is untrue only they that happened was the deposit was sent back to my account that I made since the account was only negative XXXX dollars due to their lack of giving me a card.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have been dealing with Equifax for several months trying to correct wrong information on my credit report. Most of the information has been corrected except my information about employment. It was wrong, outdated, and they kept providing and disseminating it as valid information. They have excuse it by staying it was not considered for credit decision. It listed me as working for XXXX as a XXXX XXXX. XXXX went out of business and went into a receivership. Disputed this several times to no avail. Finally try to do it myself online but they require that CURRENT INFORMATION MUST BE PROVIDED. I feel I am not under any obligation to volunteer or give, or validate them any information, except my name, social security and birthday to access my file. At the point I apply for credit, I will provide that information to my creditor, not to them. If Equifax does not have any current or valid, verifiable information of my employment that field or piece of information should be in blank. Right now, it lists me as working for : XXXX, and in the position of XXXX. This does not exist.