davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy...

.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report and the bank 's records ( learned through more research both parties require ).

( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Date Opened : XX/XX/2013 Balance : {$69000.00}
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HILLTOP HOLDINGS, INC (NC)

Someone buying my home used prime lending for their mortgage. The closing has been delayed multiple times costing me several thousands of dollars. Their reason for the delays - we dont have enough people and I dont have time. The contract was signed XX/XX/XXXX with a set closing of XX/XX/XXXX. A second closing was set for XX/XX/XXXX and the lending officer still has not sent the paperwork to the attorney. When my realtor called to inquire the lending office hung up on him. The unprofessionalism, lack of empathy, disregard for client impacts and overall rudeness has been staggering. I work in the financial services industry and have been shocked and appalled by his behavior.
Consumer complaint received 2023-05-29
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. (NJ)

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I am formally requesting that these matters be investigated properly and immediately. The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the XXXX XXXX, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct. 

For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually.
Consumer complaint received 2020-06-17
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: EQUIFAX, INC. (PA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX  XXXX, XXXX   XXXX, XXXX  XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX . Company Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX  XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX, DPT ED/XXXX
Consumer complaint received 2020-08-11
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: EQUIFAX, INC. (AL)

I notified the bureaus on XX/XX/XXXX of an incorrect item and address on my credit report well over 30 days ago and it has yet to have been removed or investigation completed.
Consumer complaint received 2020-08-11
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. (AL)

I notified the bureaus on XX/XX/XXXX of an incorrect item and address on my credit report well over 30 days ago and it has yet to have been removed or investigation completed.
Consumer complaint received 2020-06-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (MD)

Good day.. 
Im so mad.. tried to cancel any dispute especially w Midfunding Acct w XXXX. The bill was close to {$1500.00} Please cancel any dispute at this time so the company can update their files.. 

Lastly. Please only have my name as XXXX XXXX XXXX Tele # XXXX I need the creditors stop pulling my credit.. 

Thank you
Consumer complaint received 2022-10-31
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: OPORTUN FINANCIAL CORPORATION (MI)

Someone has used my personal information to obtain credit causing an inquiry to be reported on XXXX XXXX, 2022 by XXXX XXXX 

XXXX REPORTED ON XXXX XXXX 2022. 

XXXX XXXX REPORTED ON XXXX XXXX 2022 AND XXXX XXXX 2022. 

XXXX XXXX XXXX REPORTED ON XXXX XXXX 2022.
Consumer complaint received 2020-06-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I have a HELOC with Union Bank. I have set up autopay for the minimum payment due to UnionBank. On XX/XX/2020 and XX/XX/2020 I submitted checks to Union Bank, and clearly wrote on the checks and the payment coupon " EXTRA TO PRINCIPAL '' and wrote on the check my account number and the words " EXTRA TO PRINCIPAL '' As has happened in the past Union Bank refuses to apply my payment as extra to principal. 

On XX/XX/2020 they applied my extra to principal payment of {$100.00} as if it were a regular monthly payment and prepaid interest and some principal. And then without my authorization, they reduced the amount of my autopay from {$430.00} to {$330.00}. 

On XX/XX/2020 I sent another {$100.00} check and clearly wrote on the check and the payment coupon " EXTRA TO PRINCIPAL '' and wrote on the check my account number and the words " EXTRA TO PRINCIPAL '' This time Union Bank rejected my payment and sent a letter to me saying they returned the check. When I called customer service they said they did not know what to do with the check so they returned it. 

I had previously called customer serviced and requested they re-apply my {$100.00} payment of XX/XX/XXXX to principal. They have not done so and now when I call it is no longer and option.I asked that the ycorrect the autopay and return it to the amount I authorized, whichis the minimum/ regular monthly payment in the amount of {$430.00}. 
They said they would research the matter and when they called me back they said if I want to pay extra to principal I must wait 3 days after the autopay is posted, but not to wait too long, or the payment will be applied as a regular payment. I found no matter when I mail the extra to principal payment they post it incorrectly and always in their favor. Union Bank gave no solution to reallocate the {$200.00} I mailed in to be applied as extra to principal. They are lenders but do not know how to apply payments, I find that hard to believe. In addition, years ago I tried to pay extra to principal many times and they refused to post it correctly and did the same thing - prepaid interest instead of paying extra to principal. I spent hours on the phone and I finally gave up on making said extra to principal payments. Today, XX/XX/2020 I asked for a supervisor to discuss a resolution and they said my call would not be taken/they don't take calls.
Consumer complaint received 2022-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

In XXXX of this year I was fully up to date on my mortgage account and was still staying with in a month of no late payments. 
Bank of America is my lender and in XXXX I was offered the Coronavirus relief suspension of payments the following month and being I was still trying to recover from no longer working full-time from the loss of my job. This was 3 month deferment that I was able to access from XX/XX/2022 to XXXX XXXX 2022, at this time the deferement ended. The account went back to full-payment expectations with the current due amount of {$5500.00}. 
This was not a relief effort for families affected by the coronavirus, it was not explained well if this was the case I would have never taken this so called assistance. In speaking with the bank the 2 options are repayment plan adding more to the loan payment monthly once 2 payments are received and the other is applying for a loan modification but I will still be in foreclosure. Also they have placed me in foreclosure once this relief assistance ended and I was 7 payments behind.
Consumer complaint received 2024-04-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (KS)

My card ( in my wallet ) and phone was stolen by my twin brother and ex husband. I contacted chime and was told to wait for transactions to settle. My account was accessed and over {$7000.00} drained. 

Charges settle and I call chime to dispute them XX/XX/2024 ( Saturday ) they denied my claim XX/XX/2024 stating no error occurred according to merchants. 

How did they investigate in XXXX days ( XXXX being XXXX XXXX  and the other a XXXX  ) and close my claim. There was no due diligence in this investigation. 

I will be taking this to XXXX XXXX  ON XX/XX/2024
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (CT)

I am a natural person, I am a living human being, and I have right under 15 USC 1681. 

XXXX is governed by USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and did not give XXXX, XXXX, and Experian written permission to furnish these accounts. I reached out about my accounts and wrote letters that have not been deleted. I sent a letter to XXXX, XXXX, and Experian here is my tracking number... However, the credit bureaus said they completed an investigation and everything is 100 % accurate. 

I also have received removals from one credit agency but not the other agencies. In accordance with the Fair Credit Act, everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The grounds for removal they also violated my rights under 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 an account without my written instruction XXXX  ( both accts ) Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both accts ) XXXX
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (SC)

On XX/XX/XXXX chime closed my account would not give me a answer or call I called them and they had no no answer they said my account wouldnt comply with theyre policy after sending all the information and documents they asked I still had no answer and they charged me back and closed my account and blocked my phone number to reach a live agent as I provided all the information I felt like I wasnt personally helped it was all automated messages even when closing my account for a reason the cant tell me
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (TX)

My credit reports have all incorrect, Fraud, Items- 17 late payments, not correct I have proof XXXX  states I was late in XX/XX/XXXX, when payment was drafted from my account, I was never late on any of my Payments. I also have Status Bankruptcy Status for Ch XXXX, CH XXXX, I have documents to upload to support this. I also have a XXXX XXXX XXXX Repo, I have a signed Contract for XX/XX/XXXX, and they have a signed Contract for XX/XX/XXXX, not correct I have been harassed by them, as They failed to send me the Original Contract which includes 2yr Warranty, Gap, They have a Contract that does not have, OCCC investigated, which stated a 2yr Warranty Contract, After the OCCc investigation, I began to get delinquent emails, when I contacted them, they stated due date was Due on the XX/XX/XXXX  of every Month instead of XXXX, I had no choice but to Pay on the XX/XX/XXXX, and I only was given 1yr, but charged for 2yr warranty. I was still being reported late even after paying on their terms. I submitted the Police report Fraud to XXXX XXXX  explaining I did not sign and not my signature, got Affidavit from Bank and Police Report and it was still denied. I had asked them to pick up the Vehicle as they never did. I am submitting proof of on time Payments and Legal Support Documents. I have made several Complaints, but have been unsucessful. A Repossesion, late payments, and a Bankruptcy is reading on my reports. I have had Monitoring Services for years, and it has not helped, as I have several unknown Inquires, I also asked for The Credit Bureas to Verify Negative Info with me, Prior to Placing. Just as they ask for proof of Identy to investigate they need to do the same for Third Parties. Please Have XXXX and XXXX  Fix these Errors. They have Continued to Report Items as Verified, which is Not Correct.
Consumer complaint received 2020-08-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (IA)

Applied for a loan online. Started off at what looked like a normal bank. I cant find which bank that was. Agreed to a {$1000.00} loan. Before I saw what kind of rates I was being issued or when my payment was due. It was sent to mintomoney. ( I didnt sign up thru them. ) They are charging {$130.00} a week for 10 months. So overall Ill be paying over {$5000.00} for {$1000.00} loan. I was never told this. I would have never agreed to this.
Consumer complaint received 2020-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (LA)

Deville Asset management is reporting on my report in the amount of XXXX XXXX I assume its for another company but i have never received a dunning letter in regards to the debt or why they are on my report. I would like to know why they are reporting on my report without first notifying me and to provide sufficient legal documentation in regards to this alleged debt. I only noticed them on my report from pulling it a while ago and then they were gone but now they are back.
Consumer complaint received 2022-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Dear Consumer Financial Protection Bureau ( CFPB ) : Please assist with having PHH Mortgage/XXXX provide the document requests listed in this letter and explain the balloon modification cost of {$170000.00} for a past due loan amount of {$29000.00}. 

Modification was denied by PHH Mortgage/XXXX  because balloon modification cost is {$170000.00} for a past due loan amount of {$29000.00}. 

The following requests are being made to have complete evidence of the disputed past due mortgage loan balance of {$29000.00}. 

A response to all items listed below is required : 1. Explain why past due balance of {$29000.00} requires a balloon repayment of {$170000.00}? Is it legal to charge {$170000.00} for a loan amount of {$29000.00}? 

2. Provide an explanation of why the attached agreed/signed trial payment modification for loan balance {$190000.00} differs from the attached final balloon modification of {$190000.00} + {$170000.00} = {$370000.00} that I did not sign. 
a. Trial payment modification differs from approved balloon modification by {$170000.00} 3. Provide complete loan history from XXXX to present including but not limited to : a. Detailed line by line loan payment history breakdown is required because after suspense payments of {$5100.00} were applied in XXXX the past due balance did not decrease. 
b. In fact, the past due balance went UP from {$29000.00} to {$29000.00} after suspense payments of {$5100.00} were applied as per mortgage statements dated XX/XX/XXXX XXXX. 

4. Provide escrow analysis from XXXX to present a. Because there is an XXXX XXXX of {$24000.00} that it is unclear where it came from. 

5. Explain why PHH is currently returning all payments made for the loan as bank statement proves. 

6. Provide copy of all monthly statements from XXXX to present. 

7. Explain balloon modification cost of {$170000.00} a. Balloon modification offered by PHHXXXX egregiously harms and fails to help or benefit me the homeowner. 
b. Abraham v. Ocwen Loan Servicing , LLC Lawsuit - homeowner sued Ocwen/XXXX  regarding balloon modification that proved to be detrimental to the homeowner. PHH MortgageXXXX is imitating the same egregious behavior as its sister firms Ocwen/XXXX. 

It is my understanding that PHH MortgageXXXX offers balloon modification to its customers in default and those that do not sign are then threatened to deed in lieu of foreclosure or short sale their home. 

8. Provide the Summons & Complaint filed with the court to foreclose on my property because I never received it. 
a. All communication from PHH Mortgage currently states that I should deed in lieu of foreclosure or short sale my home
Consumer complaint received 2024-03-21
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. (NY)

I'm reporting a fraudulent account opened in my name. The auto loan comes up in my credit scores but I never opened a account with that company. They opened it in XX/XX/2020. 

These are the addresses of the person who stole my identity. It comes up on my credit score and they are not mine. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX. 

This is the company the person took my identity from. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT AND GAINED ACCESS TO MY PERSONAL INFORMATION TO HAVE BEEN ABLE TO DO SUCH DAMAGE TO MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME.
Consumer complaint received 2020-06-17
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT AND GAINED ACCESS TO MY PERSONAL INFORMATION TO HAVE BEEN ABLE TO DO SUCH DAMAGE TO MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME.