davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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. (CA)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I closed my Citibank checking account over the phone with Citibank on XX/XX/. I was told a check for the remaining balance would be mailed out and I would receive it in 10-15 business days. 

On XX/XX/, I called to inquire as to the status of the check. On the call, I learned that my account was not closed by Citibank. I was never notified, by phone or email, that my account was not closed. I closed my account for the second time on XX/XX/. I was informed I would have to wait ANOTHR 10-15 business days to receive my funds. 

Citibank is fraudulently keeping accounts open without customer consent, and further denying ( former ) customers access to their funds.
Consumer complaint received 2018-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (VA)

Dear CFPB Representative, I was contacted on XX/XX/2018 at XXXX by PNC bank and informed of fraud on my debit card. The bank froze my debit card and issued a new card with a new number. The new card was issued under a different, real person 's identity ( valid name, DOB, SSN, etc. ) but linked to my account and funds. 

The error was found several weeks later on XX/XX/2018 when I went to a physical branch office and asked for confirmation of the card 's activation. PNC was unable to resolve the situation during the visit ( 2hrs ) and recommended that I remove funds from the account but leave it open. I was unable to remove funds due to pending payments from the account. During the visit my wife and I were able to see ( shared with us on screen ) and hear the other party 's personal information being exchanged including name, DOB, SSN, account numbers, and PNC identification numbers. 

I have no documentation of this event because it occurred within PNC 's host framework and no documents were printed or distributed to us.
Consumer complaint received 2024-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (NY)

XX/XX/XXXX PHH/XXXX XXXX  Loan # XXXX Escrow Servicing Complaint : Misapplied payments inconsistent with amortization schedule The following summarizes the events resulting in my complaint of misapplied mortgage payments by PHH. 

1. Tax disbursed payments assumed by PHH since XX/XX/XXXX - XX/XX/XXXX were discovered unprocessed up to XX/XX/XXXX as they lacked the publicly available property parcel id ( XXXX ) required for processing by the City Comptroller Dept. The discrepancies from using their third party payment firm XXXX XXXX resulted in months of generated interest, fees and penalties that are seemingly being passed on to the customer while reporting payments as late to credit Bureaus and sending foreclosure documents by signature-required registered mail. 

2. PHH performed four ( 4 ) corrective Escrow Analyses to address the discrepancies in one ( 1 ) tax payment cycle ( XXXX ) which involved overpayments and incorrectly addressed payments brought to their attention. The Escrow Analyses done in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all, as an example, incorrectly accounted for full city payments of {$4000.00} in both XX/XX/XXXX and XX/XX/XXXX when the payments were to be made in two ( 2 ) halves of {$2000.00} each ( XXXX and XXXX ). 

3. During the discrepancy review months my regular monthly payments of {$990.00} were made each month as the month payment expectations from the escrow statements went from {$2700.00}, {$2700.00}, {$2600.00} to final amount of {$2300.00} in XX/XX/XXXX. As the discrepancies were identified and resolved on XX/XX/XXXX, I made payments of XXXX in XX/XX/XXXX and then {$2800.00} in XX/XX/XXXX to bring my account current according to an XXXX  notice quickly emailed to me on XX/XX/XXXX ; following on a tele conversation with an account rep on XX/XX/XXXX concerning my upcoming XX/XX/XXXX payment as no payment was applied on my XX/XX/XXXX statement when it was applied on the XX/XX/XXXX statement. 

4. My XX/XX/XXXX statement now reflects two ( 2 ) Regular monthly payments being applied while stating a past due amount of {$2300.00} for the same month of XX/XX/XXXX. 

5. My principal and interest payments have been misapplied in an irregular inconsistent manner using clever suspense accounting and shifting payment transaction codes from XXXX to XXXX, while stating both as regular monthly payments on each statement ). ( See attached ) 6. Escrow analysis corrections have not resulted in correctly applying principal and interest payments according to the sent amortization schedule even as agreed payments were made each month. 

Prepared By XXXX XXXX Account Holder/ Owner
Consumer complaint received 2023-03-24
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 am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2018-11-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (MO)

In XXXX XXXX XXXX XXXX transferred my mortgage to Selene Finance in the middle of a loan modification that I had been trying to get since XXXX. Well I was denied that modification and forced into bankruptcy. My bankruptcy closed in XXXX so I again requested a loan modification, I was denied modifications twice in XXXX, then twice in XXXX. Finally in XX/XX/XXXX XXXX  XXXX XXXX said I was approved for the HAMP modification, problem was the new payment amount was over {$100.00} more per month than the original payment, the principal did not go down it went up and I was never ask to fill out a new modification application after the original modification was denied so my income was not even the same 3 years later. Then I made my first two modification payments to XXXX XXXX XXXX and they transfer my loan to Selene Finance, and I sent them my 3rd trial payment ... .after that fought them over a year for the modification. They say they could not get the paperwork needed from XXXX XXXX XXXX, however they end up sending me the modification paperwork in XXXX and once again does not have me fill out a new application so this is like five years after the original application was submitted, the payment was still over {$100.00} more than the original and the principal was now {$30000.00} more than the origiinal loan amout was, but I was desparate to keep my home so I signed them. Then in XX/XX/XXXX I lost my job when the company I worked for decided to give all 300 employees a 30 min notice to get out of building because they filed Chapter XXXX and in XX/XX/XXXX I had a XXXX so I have fallen behind in my payments. Two days ago I received a notice that my home is being forclosed on and the forclisure sell ia set for XX/XX/XXXX ... .I was notified 18 days before they sale my home of 30 years.They say they dont have to gi thru the courts, I never received a copy of my deed after they took over my loan ... .but seriously 18 day notice in the middle of the winter??? And where was the home affordable modification I applied for ... .everything went up not down and I fought for this since XXXX. The whole thing is just nonsense since my income went down twice since XXXX qnd no one even gets any updated information since XXXX when processing the modification ... ..just why did the government give them all the bail out money ... .I don't get it.
Consumer complaint received 2018-11-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (FL)

day XX/XX/2018 XXXX I was inform that my loan was approved for {$5000.00} for 30montths {$180.00} @ 10 % fix interest at that time they put {$490.00} into my acct then they ask me to go to cvs and put {$490.00} on a card then send it back to them that was for my PPI. then they will transfer the {$5000.00} in to my acct. then they called me and told they need a {$150.00} and I told them no
Consumer complaint received 2018-11-18
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: EQUIFAX, INC. (AR)

EQUIFAX ONCE AGAIN IS BIAS AND SHOW FAVORITISM WITH INVALIDATED COLLECTION AGENCIES. DELETE THESE ITEMS OR BE SUED IN CLASS ACTION AGAINST EQUIFAX, XXXX XXXX   AND XXXX XXXX XXXX.
Consumer complaint received 2018-11-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (KS)

Wells Fargo still has not explained how the mortgage on my house has not changed in the past 13 years since we have been paying on it. They are a cheat company who misrepresents themselves and do nothing but cheat and lie to customers. I want an explanation as to why our morrgage has not changed in 13 years ... ..it should be less than what they say it is and they are basically having us pay 5 times the actual house cost with their lies and so called loan modifications. Our original loan for the home was not through them since I never trusted this company and I would like my mortgage sold to another company.
Consumer complaint received 2018-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

Equifax is preventing me from obtaining my credit report online. I fill out all my correct information and the site does not allow me to access my report. 

Equifax is also placing incorrect dates on old debts on my report by allowing collection agencies to use incorrect dates. Then they change my score without justification. They also do not investigate correctly. 

I should be allowed access to my report and disputes online. I have previously sent Equifax my driver 's license to prove my identity.
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2018-11-18
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)

To Whom It May Concern, On XX/XX/XXXX around noon, my wife and I called Transunion. When we tried signing me up for credit monitoring there was a problem verifying my identity. The representative informed us of a website we can visit so we can get my credit report and we can go from there verifying my identity. We waited until XXXX to do so and forgot that website. 
My wife called Transunion to obtain that website on Thursday, XX/XX/XXXX at XXXX XXXX  CT. She explained the situation above to the representative she spoke to, her name was XXXX , she did not seem to understand what my wife was talking about. So, the representative proceeded to tell my wife that I can sign up for a transcription online. She explained the situation to her again and told her that all she wanted is that website address. The representative then proceeded to ask my wife for my social security, which my wife did not provide and asked her why she wanted that. The representative wanted to check if I have an account with them. My wife said that I didnt have one. My wife provided my name to the representative who proceeded to look me up in the system and obviously coming out empty handed. I DID NOT authorize them to give out my information to anyone and the representative was willing to give out information about me. 
My wife called back immediately at XXXX XXXX CT to talk to a supervisor and spoke with XXXX XXXX Consumer Relation Department. She asked for his employee ID, he told her that was confidential. She explained her concern for the release of confidential information based on the conversation with the representative and told him if it was that easy to get the representative to provide information about me she is worried anyone can just call and obtain information about anyone. He did not ask my wife who she spoke to and proceeded to defend the employee and claim she did not do anything wrong. He then offered to give my wife the number to the online department so that we can get an online subscription. 
I am very concerned about the confidentiality of my information! 
I have provided dates and times because Transunion claims to record all calls.
Consumer complaint received 2018-11-18
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: CITIBANK, N.A. (CA)

This complaint is being filed for my XXXX Anywhere Visa Card ending in -XXXX regarding a billing dispute in the amount of {$510.00} with the merchant XXXX. A hotel stay was booked through the site " XXXX '' from XX/XX/2018 to XX/XX/2018 with a hotel in XXXX XXXX. An initial complaint was filed with the CFPB disputing the validity of this charge mentioning the condition of the room and how severely uninhabitable the room was upon me entering it. The carpets in the room was extremely dirty ; there were several leaks in the ceiling of the restroom which reeked of human feces and urine along with the fact that there was a severe bed bug infestation to the point where I developed XXXX and XXXX XXXX on my skin. All of this was mentioned during my initial dispute of this charge with Citi and documentation, including photographs, were provided to support my statement. 

I was told from the initial CFPB response that this was a " nonrefundable '' charge. I would like to address that point right now. I do acknowledge that this charge was non-refundable however, it was based on the condition that the hotel provided a room that was as advertised during my booking. The hotel deliberately and falsely misrepresented the condition of the room - which in turn, equates fully to false advertising. I should be fully refunded this charge based upon the misrepresentation of the condition of the room during my booking. The hotel DID NOT provide a room that was livable by any means ( as described above ). I developed XXXX XXXX on my skin that required hospitalization. I expect, at the very least, for this charge to be refunded as the hotel DID NOT live up to their promises and the expectation of providing a room that was as advertised during my booking. The hotel, instead, provided a room that was filthy, contaminated and infested with bugs. 

A civil lawsuit is in the works against the hotel for injuries suffered during this stay. Accordingly, this charge, at this time, should be rightfully reversed and a credit be given in light of the evidence submitted to Citibank during the initial filing of this dispute. Statements, backed up by photo evidence, was submitted during the initial dispute of this charge. I fully expect a credit for this charge as this hotel provided a room infested with bugs which was, extraordinarily negligent and illegal - on the basis of injuries suffered by me, gross misrepresentation and false advertising of the room.
Consumer complaint received 2023-03-24
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. (KY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2018-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I went in to deposit my healthcare checks they were less than a year old. I brought in vail paper work from my Healthcare company all the documents received. The rep called the customer service department and they without any explanation let me know that they were closing my account. I have been a chase customer for 5 years plus and they decided to close my account based on valid checks. I called my healthcare company they let me know that the checks were valid and they were very helpful in letting me know they were going to do a stop on those checks and send me a new check so I would not have any issue. Chase still didn't let me deposit or cash that check. I had to go to another bank and had no issue depositing my check. I have been a chase customer for over 5 years and it was a completely ridiculous situation I had to go through, I have done all my banking with chase.  Now I have an account in collections.
Consumer complaint received 2023-03-24
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$150.00}
Consumer complaint received 2023-03-24
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. (KY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2018-11-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (MI)

I sent a certified letter to Diversified Consultants, XXXX XXXX XXXX, XXXX, FL XXXX requesting verification and disputing the allegation that I owe them {$580.00} on XX/XX/2018. As of this day I have not received requested information and the debt is not listed as a dispute with the reporting agencies. 

Copies of the letter and delivery receipt attached.
Consumer complaint received 2023-03-24
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. (TX)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-26
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX