davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
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. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 Section 602 states, There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. XXXX, XXXX and TransUnion are consumer reporting agencies and Im the Consumer. I have the right to make sure that the my private information isnt shared, which is backed by 15 USC 6801, which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 Section 604, Section 2 states that, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other reason : in accordance with the written instructions of the consumer to whom it relates. The financial institution and the Consumer reporting agencies, XXXX, XXXX and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TransUnion whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( C ) states, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) states, 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. 15 U.S. Code 1681e states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and TransUnion is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of all reporting services.
Consumer complaint received 2023-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

Due to an error in automatic payments my mortgage was delinquent for 3 months. Mail to the address was not being delivered because it was being remodeled and the USPS erroneously held my mail without my request to do so. Once my mail was being deivered again I noted the error and made a bulk payment to pay my missed payments. Now that it is on autopay, everything seems to be working. HOWEVER- the mortgage company holds over XXXX in escrow and despite NUMEROUS attempts, they will not mail me a check. Making matters worse, they somehow applied a portion of my escrow balance to my mortgage in the middle of the month without my consent. Now the city is placing a lien on my property and I am unable to speak to a manager at AmeriHome because their representatives are either poorly trained and will not transfer me or they are inept and can not access information on their own system. I feel like they are holding me hostage.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/22 Section 604 15 U.S. Code 1681 B was violated by the credit reporting agency. It is not late and I didn't consent for them to report this.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SUN WEST MORTGAGE COMPANY, INC. (FL)

Sunwest Mortgage is reporting a late on my credit file that needs to be removed. I was refinancing my home and working with the title company and sunwest and my lender on this. Everyone advised me to not make a payment because it would mess with my refinance and that the title company would issue the final check that would pay off my loan so I did as I was told. However, even though Sunwest was aware of this, they placed a late on my credit even though they got the payment from my title company. This is not my fault and the late needs to be removed.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I had made a complaint about my account funds not being available and I called to asked them what was going on because I clear have funds in my account and that could not explain what had happen so I thought maybe I was behind on a payment being this was my first time having a bank account and tried to deposit a check and they closed my. Account with our warning or explaining why it was being closed but I still get emails about my account that is closed I don't under stand I'm missing a total of {$6000.00} I have to recover from the m
Consumer complaint received 2023-03-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (IL)

My parents took out a loan for XXXX over the phone which is illegal. The loan was predatory from XXXX Mortgage in XXXX. I have proof. Ocwen was paid XXXX during a modification or and know they are trying to come back again as PHH for another XXXX. I have proof and Ocwen and PHH have merged into XXXX company. I am the daughter who has the deed to my deceased parents. They are trying to make me pay the XXXX back and almost own the house. They will not accept any payments unless I sign the papers saying I will pay back the loan. I can be reached at XXXX.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Chime Financial Inc (WA)

This complaint is regarding a processing payment that was " declined '' by my bank chime.. i contacted north coast credit about it and they told me they returned it.. i contacted chime and they told me that, that transaction of XXXX $ didn't show up in my account transactions. I had XXXX in my chime checking account before making my XXXX at XXXX XXXX loan payment that i share with my mother XXXX XXXX. So i would like for you guys to get to the bottom of this. Why was it declined when it was being processed and minused at the same time from my chime account. I want my money back. 
And here is the proof I was told to provide. Also you cant processe no payment and get confirmation number with a " thank you for your payment '' email if i had " insufficient '' funds.. both these agencies are going back and forth with me and im super stressed and dont know what is going on but one of them has my money that was for my payment that didnt get paid and that is stealing from me which is against the law.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NY)

In the month of XXXX, I have reach out to GM financial asking if we could defer my payment for this month due to health concerns and also the holidays. The customer representee granted me the deferment for more than the time needed. She had informed me that Gm financial defer payments by XXXX  months instead of 1. During the duration of my loan I have never been late not once. The representee then mentions there will be XXXX time additional fee added to monthly payment and gave me an option rather if I could pay at the particular moment or when my next bill would be due after the deferment of payments. I agreed to the XXXX time additional fee and mention to the representee I will make the payment either before or day after. She then mentions there is a form I need to sign in order to start the deferment process and upon signing I must use a pin code to open the document. The document was signed and afterwards GM financial reports to the credit bureaus of the status of my account how my monthly payments were deferred. I then assumed then everything was taken care and I wont receive a late payment on my credit report. After GM fiancial noted on my credit report about the deferment of my payments, I then paid the XXXX time fee XXXX because it was convenient to pay the fee now instead of paying my agreed monthly car note of {$500.00} and {$210.00} together at once despite given the option to pay the XXXX time fee upon my due bill date. 
I contacted GM fiancial after seeing the late payment on my credit report. The customer representee then noted on my account about the removal of the late payment however its still being reported 30 days later. I am in the process of buying a house and this reporting has lowered my credit score dramatically. I have followed all that was required of me and I shouldn't have gotten a reporting of a late payment based off what was told to me from the customer representative on the day of requesting deferment of payments.
Consumer complaint received 2023-02-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch (IL)

Crown Asset Management LLC sent me a debt collection letter approximately in XX/XX/XXXX with no account number or amount number or any information about to whom this debt is owed to. Sent Crown Management a debt validation letter approximately on or about XXXX asking for debt validation. I called the company to find out more information and the person hung up on me. I followed up with a second request for debt validation letter. In retaliation, this company files a lawsuit against me on XX/XX/XXXX in XXXX XXXX, Chicago, Il without ever validating the debt. This company also lied to the courts stating I was served with court papers and I never was. I was never properly notified, I only find out about this debt and lawsuit due to consumer debt lawyers contacting me about a lawsuit filed against me, that is how I found out about the lawsuit. Crown Asset management did not provide adequate proof that this debt is theirs and I did find out who the original creditor is and there is at least 5 other creditors trying to collect on the same debt. The original creditor did provide me with the correct name of their debt collector and it is not Crown Asset Management LLC, they have fraudently filed a lawsuit against me.
Consumer complaint received 2023-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

In XX/XX/2022 someone opened up an account with Citizens in my name to purchase some gaming consoles. The information used was at an address I had not lived at for 15+ years, but the people who opened the account XXXX used my email address and i got notification that it had been applied for. I called Citizens immediately, before any purchase had gone through and told them to cancel everything, it isnt mine. they told me everything would be canceled and any impacts to my credit would be updated.. Citizens continue to try and collect, they refuse to return my calls to the fraud department and keep sending me collections emails. This is not my account, I tried to stop it and they still opened it without my permission and allowed charges to be made even though they knew at the applications origination that it wasnt mine and were told to stop everything. Stope trying to collect on something that doesnt belong to me and remove this from my credit! This is not my account, I did not authorize or benefit or receive anything from it and it needs to be gone!
Consumer complaint received 2023-03-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (AL)

XXXX and XXXX XXXX signed contract with one main on XXXX XXXX for payment for XXXX each month. One main would deduct from XXXX XXXX XXXX XXXX each month.XXXX XXXX XXXX  One main financial increase Adding insurance without having XXXX permission increased payment to XXXX XXXX didn't pay and one main charge XXXX late and extra interest because XXXX didn't know about the increase.. XXXX XXXX XXXX One main tried to deduct XXXX instead of the XXXX contract stated. XXXX didn't agree to XXXX only XXXX now one main is causing damage to XXXX and XXXX XXXX credit report XXXX and XXXX and XXXX XXXX had the XXXX in account for one main amount that was agreed upon with contract that was signed.XXXX XXXX amount owe..One main.. and not XXXX if insurance was added without XXXX agreed upon. So One main added so they need to pay .. and waive all late and late interest from XXXX and XXXX XXXX account. And XXXX and XXXX  and XXXX now.. if this continues to happen XXXX can't afford extra XXXX amount. Thanks
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OH)

I bought a XXXX prepaid Visa Gift Card today for {$90.00} ( {$85.00} for the balance and {$5.00} for the activation fee ) at my local XXXX today. When I got back home, I went to securespend.com, their website to active the card and check the balance on it. I entered my information into their website and it took it on the 3 or 4th try. I was just making sure that the money that I had put onto the card was there. And it was, it said for my available balance {$85.00}. After that I went to the online store that I bought the card specifically for since they dont have their own gift cards ; XXXX. I got to the final page on their checkout in which I had to input my payment information, then I clicked submit. It said that the card information was invalid, I reviewed the card number and the other information and it was all correct so I tried again, but I retyped the number again to make sure I havent looked over an error on accident. After this it denied again so I went back the website to check my balance and it wasnt accepting my information. It said that the card number was invalid. So after this I tried calling their phone number at XXXX and they said that my card was invalid. I also tried calling their customer support which I just got answered by a bot and got hung up on multiple times. This card was issued by XXXX, XXXX. and the card is distributed and serviced by XXXX XXXX XXXX.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a collections account that has been negatively affecting my credit report and causing me undue stress. The collections account in question is identified as XXXX XXXX XXXX XXXX XXXX XXXX and I believe it has been erroneously reported on my credit report. I have taken steps to contact the credit bureaus in an attempt to rectify this situation, but the issue persists. I became aware of the collections account XXXX XXXX XXXX XXXX XXXX XXXX when I reviewed my credit report. To my astonishment, this account was negatively impacting my credit score, and I had no prior knowledge of its existence. The account in question has significantly affected my ability to secure favorable financing terms, obtain credit, and achieve my financial goals. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received adequate verification of the debt 's legitimacy, and the collections account continues to damage my creditworthiness unfairly.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

Continuence of Complaint Ref number XXXX Ref Number : XXXX for American Express. 

American Express has violated 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. 

Attached files : -Intent to sue -Affidavit of truth -Evidence of their violations.
Consumer complaint received 2023-03-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Scam of fabricated charge - Bank of America Visa denied the disputed claim with no recourse to supply additional information claim # XXXX Business class refundable ticked purchased from XXXX XXXX in XXXX for XX/XX/XXXX flight. Had trouble with XXXX XXXX website in XXXX. XXXX XXXX XXXX # XXXX and there was a XXXX that said click to call and was XXXX. ( note XXXX replaced with XXXX ) Represented as XXXX XXXX and stated flight cancelled and had to pay {$460.00} to rebook flight. Fabricated charge. XXXX XXXX XXXX  emailed original ticket confirmation # and ticket # - No changes made. In Bank of America disputed charge I provided this information. XXXX should have supplied a different ticket # and confirmation than the original and Bank of America travel Visa personnel too ignorant to request the merchant show proof of a rebooked ticket # different than the original. XXXX XXXX would not have charged me for a flight that they cancelled but would rebook at no charge. This was a business class refundable ticket. As it turned out the flight in question was cancelled and we were rebooked at no charge. This entity XXXX took 2 hours to set up and called me back. Threatened if did not pay would have to rebook entire flight. Disputed with credit card and merchant stated was a change fee and credit card company had me pay the charge. Representation was made to me it was a rebooked ticket and stated to credit card as legitimate change fee charge. Payment made to XXXX XXXX XXXX 
Bank of America credit card contact # XXXX.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NJ)

Truist closed my deposit accounts in XX/XX/2023. No specific reason was given, but that is not the issue. The issue is in the letter informing me of the closing of the accounts, it also stated that I will receive a check for the balance after 10 business days. I did not receive a check. The letter also states that if I do not receive the check, I should contact a branch. I contacted a branch in XXXX, NJ in XX/XX/2023 but I was told not to go in because I will not receive my money. I was also advised that I should wait for some kind of investigation to conclude. 
It has been 7 months now and I have had no correspondence from Truist regarding my money that they are holding.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I was a victim of fraud last week, my wallet was stolen which had all my valuable information ( my cards and my notes with things such as my pin and passwords ) and my claim was submitted on XX/XX/XXXX and denied on the XXXX ( 2 buisness days from claim ) this was before I even sent back the documentation they requested from me ( which I had to correct because they had the wrong information on my claim ) and they forcefully closed my account without explaining to me why
Consumer complaint received 2023-10-26
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: EQUIFAX, INC. (DC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-03-05
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-05
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: Resurgent Capital Services L.P. (TX)

The accounts listed are not mine. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX LVNV FUNDING LLC C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX and XXXX. XXXX, XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.