davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
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. (PA)

I was a victim of identity theft i filed all the necessary documents to have fraudulent accounts removed from my report and they were removed. 2 days later 1 of these accounts reappeared on my report incorrectly as 15 USC 1681 c-2 clearly states, ( a ) Block a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.. so its not enough for the reporting agency to only delete this information but congress states they should also provide a block of the reporting of these fraudulent accounts. 
The account that reappeared is XXXXXXXX XXXX account # XXXX i demand that this company block and delete this account in accordance with the law. Ive reattached the ftc report as well as the police report and verification of my identity.
Consumer complaint received 2017-11-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I have been working with Bayview Loan Servicing for 7 months to do a deed-in-lieu on a mortgage i 'm in default in. 

Their most recent reason for the delay is, after asking me, " do you have any liens on your home? '' My response is now yes. Up until two weeks ago, there were no liens on the property. As a result of Bayview draging their feet and failing to respond to request for information for months, my HOA has now placed a lien on my home and says they will be foreclosing on it soon. 

I 've contacted XXXX XXXX and made another good-faith attempt to resolve the lien but ca n't get him to respond in writing. 

I have the money to resolve the {$10000.00} HOA lien but do n't want to resolve it until Bayview says they are willing to move forward with the DIL process. 

They say that they need to " verify my income. '' I 've sent them the same paystubs and bank statement for 7 months. They are consistent and rarely fluctuate. 

They 've endlessly asked for the same paperwork over and over. 

I have plenty of evidence to support that WHEN Bayview actually request information, I usually respond within 24 hours. If I ask for information from them it take weeks and up to a month for them to respond. 

Additionally, I am hearing and speech impaired. They 've refused to make reasonable accommodations as outlined in the Americans with Disabilities act and allow me to communicate via email for for efficient service.
Consumer complaint received 2024-03-10
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. (IN)

In 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2017-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

On XX/XX/XXXX, I was approved for a second modification to my mortgage by OCWEN. The reason for this modification was 100 % to fix an error that OCWEN had made when they did n't pay the property taxes on both lots that the property sits on. Because of OCWEN 's error, approximately $ XXXX had to be paid out of the escrow account to cover the back taxes, which then subsequently needed to be refunded. To come up with this sum, the mortgage needed to be restructured. 

I had until XX/XX/XXXX to execute the mortgage modification and return it to OCWEN. As the date approached, I had additional questions that I needed answered before I could decide. Thus, before the deadline at XXXX on XX/XX/XXXX, I sent XXXX XXXX , my contact within the Consumer Ombudsman 's Office, an email requesting further information on a number of topics. I followed up with a call, but when I did not promptly hear back from XXXX, I also called a Customer Relationship Manager as well to report to them that I was seeking additional clarification from the Consumer Ombudsman 's Office and that I wanted this noted on my account due to the impending deadline. 

My understanding was that XXXX would grant me a short extension and I would get my critical questions answered. That 's not what happened however. Instead yesterday XX/XX/XXXX I received a XX/XX/XXXX letter from OCWEN Loan Servicing declaring that I had not responded to the offer and thus it was no longer available to me. So I am protesting this and requesting that the offer be reinstated, an extension granted, and my questions answered in a timely fashion. Further, when I wrote back to XXXX directly about the situation, I received an automated response that he will be out of the office for another full week, meaning that he will not be available during that time to fix this situation for me on his own. It is for this reason that I am filing this CFPB complaint. 

It appeared OCWEN had gotten their signals crossed yet again, so I wrote again to XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite providing evidence of identity theft to creditors and the credit bureaus multiple times per year since XXXX, there is persistent incorrect information on my report. From bureau to bureau the amount of debt varies, payment history reporting varies, account status and comments vary. This has caused there to be a significant difference in the scores for my profile at Transunion, XXXX and XXXX and has prevented me from securing a home loan among other types of credit over the years. I have called the creditors directly, mailed letters to the creditors and the credit bureaus and have filed reports with my local police station and the FTC. No avail. I want to stop being punished because the bureaus have failed at validating debts properly.
Consumer complaint received 2023-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AR)

In XXXX had {$100.00} usd taken from my account without knowledge or consent by Cash App to fix an error that they created on their end from a transaction that I had already paid. They claim technical error but they never notified me, said my balance was negative ect. They waited until money was added and swiped it saying they were taking it for a transaction I had paid in XXXX. I have spent weeks asking them to fix it and they refuse.
Consumer complaint received 2021-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX a fraudulent wire transfer was sent from my checking account to XXXX XXXX in Florida ( a telephone scam ). 
For three weeks I was told by Citibank that if the money was not returned by XXXX a claim would be filed by Citibank under consumer protection rights for a fraudulent wire transfer. 
On XXXX XXXX I was told the complete opposite. 
I had signed an affidavit on XX/XX/2021 attesting to a fraudulent wire transfer. 
On the XXXX Citibank informed me because I allowed banking information to be given to the scammers there was no consumer protection right involved. 
I did not realize I was being scammed, when I did I contacted Citibank immediately and went to the police precinct ( all immediately after I hung up on the scammer ). 
I was misled by Citibank and even though I contacted them immediately there was no attempt to contact the other bank for at least 2 weeks.
Consumer complaint received 2019-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : BARCLAYS ACC # XXXX. Date Opened XXXX. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I have been trying to freeze my credit due to the Equifax breach and have been unable to do it online and over the phone. It 's frustrating that these companies have access to so much sensitive information, have placed so many at risk, and have made it so difficult for the public to actively protect their credit.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is a current account under collections that belongs to an account previously removed from my credit report by XXXX XXXX bank as this account didn't belong to me. 

XXXX XXXXXXXX XXXX and all 3 major credit reporting agency has failed to correct this information for the last past 4 years. 
Account in Collections XXXX XXXX XXXX HAS BEEN ON MY FILE SINCE 2018 ORIGINAL DEBTOR XXXX XXXX XXXX REMOVE ERROR ACCOUNT FROM MY PROFILE BUT XXXX XXXX, TRANSUNION AND XXXX HAS FAILED TO CROSS REFERNCE AND TAKE THIS OFF MY ACCOUNT. 

XXXX OPENED 2018 {$300.00} SHOULD NOT BE ON MY REPORT AS THIS IS INCORRECT THERE IS NO DEBT WITH ORIGINAL CREDITOR. 
REMOVE
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Upgrade, Inc. (AL)

Upgrade Credit Card was fraudulent used in XXXX of 2021 towards the end of the month. I was unaware that my card was lost with my cellphone in a casino on XXXX XXXX. Individual had access to my phone, emails and account information. The individual utilized approx. XXXX dollars. I have provided my statement, police report and the process with this company has been unreasonable. Lack of communication, and unethical reasons for claim denial.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a new checking account with the promise of a {$400.00} bonus if I deposited {$15000.00} into my account within 20 days, then maintained that balance for 60 days. The terms state that if I complete these actions, I will receive the {$400.00} bonus. 

I opened the account and funded it with {$15000.00} on XX/XX/2021. 
I maintained a balance of at least {$15000.00} until XX/XX/2021, which is 67 days from XX/XX/2021, fulfilling the requirements. 

Citibank terms and conditions state the bonus will be paid within 90 days of completion of terms. I completed the terms by maintaining a balance of {$15000.00} or more for 60 days as of XX/XX/2021. 90 days past that date is XX/XX/2021, and I have yet to receive the {$400.00} bonus as promised.
Consumer complaint received 2024-03-10
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. (IA)

This agency is in violation of 15 USC 1692g section 3. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (AZ)

Credit Card : XXXX XXXX XXXX. XXXX Account XXXX. 

A cosmetics company charged my credit card when I specifically told them not to. I disputed the charges, totaling roughly {$400.00} to Discover Bank. They gave me a temporary credit and notified the merchant. 1 month later, the merchant ressonded with " screen shots '' of their website ( nothing more ) and XXXX reversed the charges. The merchant provide no evidence that I gave permission to charge my card, nothing with my signature. 

On appeal, i sent XXXX evidence that this merchant was a scam and has scammed other people. They ignored me saying that " THEY ALREADY KNEW THAT ''. Really ... already knew that? Then why are n't you canceling these charges I said. They have not responded since. 

I was on the phone at the beginning with this merchant and warned them DO NOT CHARGE MY CARD. They did it anyway after they tricked me.
Consumer complaint received 2017-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

Based on the my review, I notice that Ocwen loan servicing is alleged unlicensed servicing activity in Maryland not license or have consent order file with Maryland Commissioner XXXX XXXX and no longer eligible to collect a debt form the homeowners in the state of Maryland. I 'm facing preditory lending and respa, Truth n lending violations, In violation of escrow agreement, Ocwen licensing was suspended under unfair business practices XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Therefore I request for Ocwen to show proof of claim/debt and all my payments be returned, I 'm going to continue to pay my taxes and insurance without escrow.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (GA)

Contacted cash app numerous times for issue with no assistance in understanding or resolving the missing XXXX from my direct deposit on XXXX XXXX from XXXX. My job direct deposited my pay. Cash app after my call to them states they took the funds after a technical error that was not reported to me, or on the website. Nobody knows of this error, I cant see the transactions as the agent states to me, on my app, or on my monthly statements, as it isnt something that they can correct? No notification or communication, just took XXXX after these transactions were paid to the company, someone changed the amounts, and months later take my funds I desperately needed to move.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX, XXXX TransUnion are report my XXXX and the XXXX XXXX court dont share this information so obtain and putting it on my credit report is wrong anybody
Consumer complaint received 2021-12-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sent letters to all 3 credit bureau aboit these false inquries on my credit reports. i didnt give permission for none of the five creditors to have a reason to pull my report
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (NC)

On Equifax ReportXXXX XXXX XXXX has reported as Medical Debt, variable rate and has changed classifications over time. Has reported " OK '' in months then has gone back and stated " 30, 60, 90, 120 '' days late in same period of time. Then they changed from Medical Debt to Personal Services to Installment and Individual Account. This account has been disputed as erroneous, negative information on my Equifax Report, Equifax came back as verified and then I disputed the method of verification, Person talked to, Company, Phone Number, Date spoke to, Documents bearing my signature showing debt. Nothing of forementioned was provided. Even more erroneous information on reports from Equifax shows " OK '' pays as agrees for 8 months and the balance and credit never changed and when XXXX XXXX went back to change times late, they showed 30 days late in XXXX 2021 and separately reported 60 days late for same Month with Equifax. This is erroneous and must be removed from my report. Equifax has drastically reduced my credit score from XXXX on report dated XX/XX/2021 to a XXXX dated XX/XX/2021 from their erroneous reporting and has caused negative financial actions because of such.
Consumer complaint received 2017-11-08
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: EQUIFAX, INC. (NJ)

XXXX XXXX I send letters to XXXX, XXXX and Equifax regarding unauthorized inquiries placed on my credit report from different credit card companies. I asked them to remove them from my reports as I did n't authorized them at all.
Consumer complaint received 2017-11-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I am filing a complaint against Wells Fargo XXXX XXXX, Wells Fargo Bank XXXX. 

They are in violation of the law. 

They have acted to file a Notice of Default through the XXXX XXXX XXXX in XXXX XXXX, with regards to a HELOC even though they are accepting monthly payments. See attached letter dated XXXX XXXX, XXXX. 

XXXX XXXX shared with me in a phone conversation that they received a referral from Wells Fargo on XXXX XXXX, XXXX with regards to the loan default. 

I have not received any official notice of default that I understand is required to be sent by registered mail. 

Wells Fargo Bank XXXX. has been accepting payments every month on the loan, and send monthly statements that record the payments and balance. 
XXXX attached statements from XXXX XXXX and XXXX XXXX as examples. 
I have been making monthly payments on the Wells Fargo XXXX and I have been working with the bank over a few years to set-up a plan payment. 
I am in receipt of a letter from Wells Fargo dated XXXX XXXX, XXXX which offers me options to keep the home. I have been calling the representative on the letter almost daily to approach a work-out solution, leaving messages, and he is not returning my calls. 


Because of the public notice, I am getting notified by various predators by mail and phone and XXXX mail on this matter. 

I have applied numerous times and have asked to amortize the loan over a fixed period and have offered an amount for settlement. This was a predatory HELOC loan that is no longer legal in the way it was sold to us. I have been asking for assistance from Wells Fargo since XXXX XXXX. We are constantly denied any assistance yet they keep accepting payments. 

I filed complaint XXXX with CFPB about their practices, and the company Wells Fargo XXXX. responded on XXXX and replied that the matter had been settled. This is a lie.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (TX)

On XX/XX/XXXX I was charged an amount of {$54.00} to merchant XXXX XXXX using my Cash App debit card. I moved {$60.00} to my Cash App card from my XXXX XXXX XXXX  on at XXXX on XX/XX/XXXX. Immediately, {$54.00} was missing from my Cash App. The notification that appeared was to notify me that that amount was missing due to it being charged to the merchant XXXX XXXX for the transaction that occurred on XX/XX/XXXX. I reached out to Cash App to see why I was I was charged again on XX/XX/XXXX for a transaction that was completed on XX/XX/XXXX and they stated that I was only charged once on XX/XX/XXXX and that it was indeed completed that day. Upon following up with Cash App, their reasoning for taking out {$54.00} on XX/XX/XXXX is because there was an " impacted transaction error that occurred between XX/XX/XXXX and XX/XX/XXXX '' and as a resolution they deducted the funds back out of my account ( and many others ) to reflect the " correct '' balance due to the funds incorrectly being returned to my account. There was never a return of funds into my account from this transaction or any transaction for that matter, from Cash App. They literally stole from me {$54.00} and blamed it on a system glitch, which was their error and they refuse to refund me or credit my account for the amount that they took. I notified them of this and escalated this issue with their advocate team and was told that although it is unfair to the consumer that there was a transaction glitch, they simply took back the monies that they accidentally put back. To my knowledge, they stole from me and no consumer should have to pay for their mishap!
Consumer complaint received 2023-04-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.