davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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. (MD)

XXXX  Potentially negative Date opened XX/XX/XXXX XXXX. {$0.00} Status Open. 
DELETE ALL LATE PAYMENTS XXXX XXXX  DELAWARE Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 
DELETE ALL LATE PAYMENTS XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open DELETE ALL LATE PAYMENTS XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. {$330.00} written off. 
The written off amount was lager And I paid the account in full DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Transferred, closed. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance Status Transferred, closed. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Open. 
Balloon payment of {$3100.00} due XX/XX/XXXX. 
DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$340.00} Status Collection account. {$340.00} past due as of XX/XX/XXXX. Paid in full creditor wrote off account in XXXX and XXXX DELETE ALL LATE PAYMENTS XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX Status Paid by creditor DELETE ALL LATE PAYMENTS XXXXXXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$270.00} Status Open. 
Paid in full Creditor wrote off amounts multiple years in a row since XXXX. 
DELETE ALL LATE PAYMENTS
Consumer complaint received 2019-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

On XX/XX/2019 PHH Mortgage communicated to CFPB and myself that they had not received my payment ( see attached ) I also received correspondence from PHH mortgage with a copy of my check, also dated XX/XX/2019 that my payment for {$2200.00} was received but will not be credited to my account. ( See attached ) and the check would be destroyed. 

PHH began collection calls and threats of foreclosure on XX/XX/2019. Even though I communicated and offered proof of payment sent by Priority Mail on XX/XX/2019. They refused my offer to rectify the situation by making the payment with their Representative over the telephone without a fee and the option to stop payment on my {$22000.00} they claim was not received. 

I repeatedly emailed and called ( with extreme hold times, transfers, and disconnects ) asking if someone could take my {$2200.00} payment over the telephone, to no avail, I was declined. They demanded, I pay almost {$7000.00} or face foreclosure, because my short-term payment plan was null and void, since my payment had not been received. 

I only had 2 payments left to make on my short-term repayment plan. Now they have added additional charges, late fees, and assessed expenses.

Ive had over {$780.00} in my Suspense Account with PHH Mortgage, which they have refused my request to use my own funds to offset my payments. 

Each time Ive made a payment, I have been charged. One month I made 2 payments and was charged twice. 

Their letter stated I can apply for a reinstatement quote, however, its not free and actually quite expensive. 

PHH Mortgage stated that they never received my check, when the check was actually received. Refused to allow me to make payment to remedy the situation. Threatened me with letters and telephone calls to foreclose.

This is exactly what happened during my initial short-term repayment plan that was initiated with Ocwen and then sold to PHH Mortgage. Ive paid for 2 short-term payment plans, which I have not been able to pay off, due to PHH Mortgage mistakes.

I want to note that during one of my telephone calls to PHH, I told the Representatives ( I spoke to 2 ), that the information they are discussing was not my account. And they argued with me and refused to believe me. I was spoken to like a kid who didnt know about my mortgage, and the information from another customers account was forced on me to listen to. I kept telling them, that is not my account.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On Monday XX/XX/XXXX, my husband went to his credit union and made a withdraw and received a cashiers check from his credit union. He then uploaded the check in mobile deposit to our Wells Fargo Bank account. The Wells Fargo bank account said that there would be a hold placed on the check, and {$5500.00} would be available on XX/XX/XXXX and {$5400.00} would be available on XX/XX/XXXX. Our checking account shows that the deposit was made, but then the deposit was debited out. The {$5500.00} was not made available on XX/XX/XXXX, and we received no correspondence from Wells. Today is XX/XX/XXXX, and none of the funds have been put in our account. I called Wells, and after being on hold with an agent over 30 minutes, they had no answer for me. They said I had to call another part of the company that had hours only in Pacific Time. I told them I should not have to be calling to track down my money! Again, I have never been affirmatively contacted by Wells. I made a complaint, and she entered the complaint in the system and said it would take up to 2 weeks for resolution. We had a closing on a new house yesterday and due to not having the funds available, I had to make other arrangements. I am seriously disgusted with Wells Fargo for having our deposit essentially lost in cyberspace. Had we known Wells was going to be so inept, we would have used a completely different bank, we would've gotten the money in cash or we would have done something else. We trusted Wells to do what it said it was going to do and it let us down.
Consumer complaint received 2020-06-09
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. (LA)

i am a victim of identity theft i have fraud account on my credit report i have reached out to all 3 bureaus to have this matter resolved no results this has caused a lost of job and other issues please help
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My Name is XXXX XXXX XXXX This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. Please remove the following addresses from my files I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I have had issues with my information being sent to these addresses and I do not live at any of these locations. 
My current and only address is : XXXX XXXX XXXX, XXXX, GA XXXX I Have lived here for over 5 years
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Midland Credit Management , Inc for committing identity theft. I have never given Midland Credit Management XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from Midland Credit Management , Inc before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Midland Credit Management , Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management , Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management , Inc continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management , Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2020-06-09
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

Usaa and XXXX credit bureau once were in business together. Right now they usaa federal savings bank credit card department falsifying charges amount owed etc on credit report. Right now they have added a refund as a credit of XXXX $ against my account balance instead of refunding it Calling doesnt work they just put me on hold they have also taken away my right to dispute the charge again since there have been no other purchases with the XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2019-12-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (AR)

I filed with you earlier about Chrysler Capital reprocessing my car due to system adding me to a repo list and I owed 4 months which I sent XXXX a copy of 17 straight payments which the email was wrong. I paid over XXXX and picked up my car. Balance XXXX. XX/XX/XXXX received a letter stating I owed {$810.00} due XX/XX/XXXX. Called XXXX at Chrysler and stated it will be corrected. A call from XXXX XX/XX/XXXX from collection stated the system put me in collections and I been there for 21 days but after arguing she apologized and said I owed nothing. Today, XX/XX/XXXX I get a letter stating I owe XXXX. I'm tired of being harassed by this company. XXXX, XXXX XXXX and chrsler stole {$2600.00} which was suppose to be sent back XX/XX/XXXX. This is how they stole my car was repossessed because of the system and they lied and said it doesn't do that but all my payments are up to date until XX/XX/XXXX but the system keep putting me in collections and then luring that the system called me which my recorded conversation stated there was no activity on the line. I want them to stop harrassing me with letters and phone calls.
Consumer complaint received 2019-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-12-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LOBEL FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

I deposited a check on XX/XX/19 via mobile deposit with my phone and immediately received confirmation via email that the deposit was successful. However on XX/XX/19 the check was charged back to my account and charged a {$12.00} returned deposited item fee. Customer service representative indicated in conversation on XX/XX/19 that the check was charged back because of an image quality issue that made the check unreadable.
Consumer complaint received 2019-12-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

No citizen has directly and explicitly consented to the 3 credit reporting agencies. We citizens trust that you, the CFPB, will regulate and enforce supportable policies. 

Experian lost my personal data due to a preventable intrusion. I have since locked all my credit reports. Every single time I have tried to lock, unlock or even view my data at Experian I have failed their online security test to prove myself. I only ever fail security tests with Experian and never the others. They do not let me create a consumer account to manage my credit, they give me a PIN each time I lock/unlock my report. And every time I try to use the PIN for the next transaction, as should work, even their own PIN check fails. 

I am currently buying a house and must unlock all my credit reports for mortgage precertification. Once again, I breezed thru unlocking my credit reports at XXXX and XXXX but I failed the security test at Experian. And now I have to call them but only on weekdays during business hours. The exact same time I work. 

Experian clearly can't even manage to provide a proper system to verify my identity let alone have the proper protocols to secure their data internally. What steps are the CFPB taking to ensure that ( a ) our data is safe with Experian and ( b ) when we have life events requiring we access our data that we actually can do so and ( c ) to ensure that they are providing consumer support during non-traditional business hours?
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on Trans Union and XXXX respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from Trans Union and XXXX the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and Equifax respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and Equifax the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX
Consumer complaint received 2019-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

Each time I apply for a AMEX card even if my score is XXXX they will find a reason for declining. First I was pre approved and then the decrease decline. I have been a victim of identity theft and XXXX was used to open up fraudulent credit, it has been since resolved. Each time I try to obtain credit they dont give me the chance to provide identity and decision is unable to verify customer. I have a fraudulent alert on my credit report and they dont even bother to call me back at the number or send me a letter requesting more documentation.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Mercury Technologies, Inc. (CA)

Mercury, a fintech company who privded bank account services to small businesses, works with XXXX XXXX XXXX, an FDIC insured institution. Today Mercury locked our account, under the name XXXXXXXX XXXX XXXX XXXXXXXX XXXX without providing any notice or explanation and refuses to answer emails. The funds on the account are locked and in the end of Mercury. 

How can your complaint be satisfactorily addressed? 
We need the account unlocked We need access to all the transaction data for accounting purposes We ned the funds available transfered out.
Consumer complaint received 2024-06-14
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. (GA)

I have been identified as a victim of Trafficking that has resulted in Debt Bondage and affects my consumer report. 
As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from Background Check reports ordered by future employers, volunteer organizations and landlords.
Consumer complaint received 2019-12-28
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. (FL)

I have been officially verified as a victim of the XXXX  security breach and since last summer of 2018, I have faxed, mailed, and called XXXX  about fraudulent credit reporting on the file. Instead of following the FCRA 605B law they refuse to correct their mistakes they have made. I have also been victimized by a roommate who has since moved out. That roommate was making payments during his duration of time so I would not be alarmed. I have filed a Police Report with XXXX XXXX, CA PD and sent more than 5 FTC reports. Experian and XXXX  didnt cost millions of Americans money through a data breach and they block the fraudulent credit items. Why is XXXX  making it hard for a victim to get fraudulent credit accounts blocked?
Consumer complaint received 2019-12-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Larry H. Miller Group of Companies (UT)

I have PAID {$280.00} A MONTH FOR 15 MONTHS THE BALANCE NEVER GOES DOWN THE INTEREST RATE IS REDICULOUS. THE SELLER XXXX XXXX. XXXX IN XXXX, UTAH SOLD A " LEMON AND NUMEROUS VEHICLE PROBLEMS ". XXXX XXXX. XXXX OWES ME!!!! I HAVE TRIED NUMEROUS TIMES TO CONTACT XXXX XXXX. XXXX AND THEY HAVE YET TO CONTACT ME. THEY SHOULD " GIVE '' ME AND MY DAUGHTER 2020 NEW VEHICLE 'S ( FROM XXXX DEALERSHIP ) AND XXXX, UTAH PAYS FOR BOTH OUR VEHICLES AS WE WERE DELIBERATELY LIED TO AND OVERCHARGED AND VEHICLES BOTH NUMEROUS PROBLEMS. MY DAUGHTER 'S ENGINE BLEW, MINE HAS COST {$5000.00} BY ME AND {$9000.00} BY MY INSURANCE PROVIDER IN REPAIRS.