davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted XXXX XXXX XXXX on XX/XX/XXXX, at XXXX, I told them that a credit card was made in my name without my knowledge and that would like for it to be removed. The amount of money that was used on the card was {$1400.00}. I also sent a dispute to 2 of the credit bureaus ( transunion and XXXX ) on XX/XX/XXXX, and XXXX was only one I didn't because they kept hanging up on me. Both those bureaus sent a report back a week later saying that the account belongs to me when I know it doesn't. I sent them another dispute and I'm waiting to hear from them. I don't have a police report yet because I need an FTC report first. I contacted the FTC and all I received was something called an identity theft blocking request.
Consumer complaint received 2022-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

This company is calling, refusing to identify themselves, keeps calling despite direct warning this number on the national do not call list, yet they continue. The funny part... then are inquiring for someone else, a friend from college, whom has NEVER ever, not once, used my phone nor would report my phone number as his own. So this creepy debt collector, whom ONLY identify themselves as " XXXX, calling for XX/XX/XXXX XX/XX/XXXXon a personal business matter '', is resorting to calling FRIENDS/associates of the person they're trying to collect a debt. They didn't say so but that is the only slimy reason they would hide their info and be non stop persistent. They call at least twice a week going on 9 mos to a year, different numbers, same caller ID " PortfolioRecovery ''
Consumer complaint received 2015-11-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

To whom this may concern, my name is XXXX XXXX XXXX and i have recently been a victim of funds stolen from my Bank Of America account via several ATM withdrawals as well as thousands of dollars worth of purchases of online merchandise. As soon as i became aware of suspicious activity i immediately notified Bank Of America. i was instructed to file a police report which i did. upon my own investigating i even went as far as identifying the alleged culprits. as far as revealing the culprits as my own daughter and closest friend. as i was told by a bank of america agent, if i were to file a police report with full and utter intent to prosecute, then my funds would be replaced into my account. well i have done everything that i am supposed to do to my understanding and i currently have multiple theft claims with BOA that have all been denied and the reason that BOA continuously gives me is that they have come to the determination that they feel that due to the fact that a small portion of the stolen funds were via ATM withdrawal that a fraudulent claim is highly unlikely. ok. that is understandable but it seems that the bank is choosing to focus solely on the UNAUTHORIZED ATM withdrawals and seemingly ignoring the majority of the theft which are thousands of dollars worth of unauthorized purchases byalleged culprits which i can and will name as XXXX XXXX XXXX as well as my own blood daughter XXXX. i have followed proper protocol pertaining to Bank Of Americas instructions and still after all of my complete and utter compliance Bank Of America has still yet to replace my stolen funds. I am reaching out to you for help. I am completely willing to do whatever i have to do to have my funds reinstated. i have mor than taken the first steps by identifying the criminals and have filed a report with the authorities. please contact me with some sort of information. because all i want is to have someone to hear my case and replace my stolen funds. Bank Of America is of no help. all i want is justice. please someone contact me. i honestly feel as though i am being underestimated because i am sufferer of mental illness. i am reaching out to you for help. I have copies of my police report. against my own daughter and my dearest friend. both of whom mutually conspired to steal funds from my account. i have had approximately XXXX unwillingly stolen from my account and all i am asking is for assistance in having those moneys replaced. i am a victim and am willing to do whatever need be done to have my stolen funds justifiably replaced. please please, i dont know where else to turn. please contact me as soon as possible at phone number XXXX XXXX XXXX email XXXXXXXXXXXX home address XXXX XXXX XXXX XXXX va XXXX please get back to me if for nothing else then for enlightenment. as i said before i will legally comply in anyway necessary so that either justice can be served and or i can obtain closure. i highly anticipate your call. please help.
Consumer complaint received 2016-01-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have a Bank of America mortgage. I was behind by one payment so I called in to try and set up some type of arrangement. They put me on a plan so that I could get caught up but I was still making normal payments. They wanted me to pay an extra {$3000.00} for this payment arrangement plan. In the mean time, they put a code on my account to where all payments that I was making was being put into another account and not being applied to my account. I explained to them that I did n't want their help or arrangement. This has been 6 months now. I have to call in each time to make my payment and then call back in to have my funds authorized to be moved from the account that Bank of America set up to be applied to my mortgage. I am now being told it will be another 6 months before the " code '' is removed. In the mean time, I have to call in each time. Talking to the CSR 's is like talking to the wall. They are not helpful and you have to spell everything out to them to get anything done. They do n't care about my time or the frustration that this situation is causing me. Because the funds are in this other account, this is costing me money in interest on my loan. I would not recommend Bank of America or any FHA loans to anyone.
Consumer complaint received 2023-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

In XX/XX/XXXX I requested time to extend the payments because of XXXX issues the renters were not making any payments since the government stated not to pay rent. Therefore, my renters stopped paying rent, which caused me to fall behind on my mortgage. I called US Bank to request a loan modification. At this point they informed me that I didn't have to pay my monthly payments until made arrangements with US Bank. In XX/XX/XXXX I attempted to make payments, however US Bank refused my payments and returned the payment along with a letter stating that until I finished a loan modification with them I would be able to make payments. I went to the US Bank on a monthly basis for XXXX year to make payments but they still refused my payments. I have sent XXXX applications for the loan modifications. In XX/XX/XXXX I received a letter stating that, " The account is brought current '', however on XXXX XXXX I received another letter stating they needed additional documents which I have submitted several times to no avail. I received another letter stating I needed to make a payment of {$3000.00} effective XXXX XX/XX/XXXX. I went to US Bank to set automatic payments but they still keep refusing my payments. All the inaccuracies on their behalf has caused the interest to increase a lot.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2022-04-08
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX, Transunion ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : FRAUDULENT ACCOUNT Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX ( original Creditor : XXXX XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX $ XXXX ( XX/XX/XXXX ) XXXX XXXX FS XXXX {$12000.00} ( XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (KY)

Purchase mobile home XXXX refinanced ground in with new loan through Greentree servicing LLC. It changed hands in XXXX to consaco finance servicing both Greentree and Consaco was contacted by XXXX asking to have my name removed from loan as co-bower. In XXXX is when we divorced. However it has never been taken out of my name from XXXX. I know Ditech is who owns mortgage in XXXX when XXXX passed away. Call asking about ins that was on loan from day one if something happened to either of us the loan would be paid off? I was told it was refinanced to keep out of foreclosure in XXXX and I've also gotten document that's be notorized by someone in XXXX XXXX expires XXXX submitted by XXXX XXXX XXXX from XXXX and XXXX XXXX XXXX firm in XXXX KY saying the pay off date of XX/XX/XXXX had been omitted from the mortgage executed XX/XX/XXXX? Says mailed to both XXXX and co-bower at XXXX XXXX XXXX XXXX Ky on XX/XX/XXXX. It was also signed off on at courthouse in XXXX and filed. I never received anything I didn't live there since XXXX and though I'd been removed from loan. I've asked how did loan get refinanced without my signature in XXXX Ditech refussd to give me info and told me regardless I would pay the debt. Also asked why was payoff date omitted from loan in XXXX was told by Ditech and Shellpoint that now holds mortgage they have no reganition of that but I was going to pay loan. I've also called XXXX XXXX XXXX twice with no return call back. No matter how I try and get info no one tells me anything and no one will send documents they do have so I can put it together. I've hand written request also emailed request. I've sent request to land title company also no response either. Not only did they threaten back in XXXX about foreclosure and again in XXXX but without my knowledge it looks like they got the mortgage forbearance or refinanced loan in some way. I've also called XXXX office here in XXXX Ky and was told by them that the said property is in XXXX 's name only no second person. How does that happened if ground was tied in with mobile home in XXXX at time of purchase? If it was done correct it would show it in both names like loan does? I've not been aware of any of this for yrs it wasn't till the death of XXXX that I became aware of debt and all the issues from these companies that are all tied together leading back to Greentree servicing LLC. I've also asked and sent required things to have my name changed on loan since they says it's mine nothing been done also death certificate was sent to Ditech to remove XXXX leaving in co-bower nothing 's been done.
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (RI)

XX/XX/2021 my XXXX mortgage payment for XXXX was processed ( as shown on my XXXX Bank Statement ) XX/XX/2021 my XXXX payment was processed a second time as an ACH Draft Contacted PHH customer service and told them was being charged 2x for one payment. They insisted they only were paid once. I went to my bank and they reviewed all documentation and agreed that PHH had in fact been paid twice. I told them I had contacted PHH and they stated they only had processed once. 
My bank initiated a credit for my duplicate charge and that was reflected on XX/XX/XXXX. 
XX/XX/XXXX PHH resubmits another charge for the XXXX payment for XXXX. 
XX/XX/XXXX my bank reverses that charge. 
PHH now requesting again XX/XX/XXXX for this payment of XXXX. I sent them all supporting documents on XX/XX/2021 they stated they needed 30-45 days to review. To date no response.
Consumer complaint received 2022-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (MI)

I am supposed to receive an email from the credit card company on the XXXX of the month indicating a payment is due and the amount. For the past two months I have NOT received an email from the company. 

I have twice called them about this, and each time they have assured me that the email statement IS going out from their company. However, I do not receive it, and theirs is the ONLY email that I am aware of that I am not receiving. 

I agreed to receiving electronic communications rather than paper. They are not meeting their part of the agreement. They will charge me interest if the due amount isn't paid ; but... they aren't providing me with due payment emails.
Consumer complaint received 2021-05-11
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. (TN)

I attempted to place security freezes on all XXXX credit bureaus just yesterday. 
Experian was by far the most cumbersome if the XXXX. 
My identity was stolen by my estranged XXXX who can not seem to leave the fact that my given name was spelled making it very easy to steal my identity, and walk away as if I was the XXXX XXXX who abandoned our XXXX & the child support XXXX has never had to answer to the courts concerning. 
And, now that XXXX has done this once again, I do try to keep my credit from being tampered with before XXXX able to locate a XXXX way to keep me tied up fighting against collection companies that refuse to comprehend how easily it is for XXXX to pull these things, all due to the simple spelling of my first and middle name. 
Well, I just received an email back from no other than Experian, and I didnt need to read to far into the IMPORTANT INFORMATION reply to me in order for me to laugh and want to let those non-empathetic XXXX WHAT I HAVE BEEN TRYING TO EXPLAIN HOW XXXX  HAS DONE SO MUCH DAMAGE AND WITH SUCH EASE!! 
I have attached XXXX emails. 
The XXXX they sent to me, as well as my reply back to them about my entire point.
Consumer complaint received 2022-01-23
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: MUFG AMERICAS HOLDINGS CORPORATION (CA)

1, I have not been used Union Bank credit cards for a few years, and both were stored in my personal and safe place at home. 

2, I got an email from Union Bank for payment, I had to log in to Union bank credit card account, I found that a purchase with {$34.00} was made on XX/XX/XXXX, but I never know about that. 

3, I tried to call Union bank credit card Fraud management Services, and leave many messages for them, but no one responded to me, even though they promise to call back within 24 business hours in the voice messages. 

4, To void the late payment charge and keep my good credit score, I have to make the payment by the due date. 

5, I got a letter from XXXX, Fraud Management Services, the date on the letter is XX/XX/XXXX, it mentions that they already post a credit of {$34.00} to my account and my claim was resolved. 

6, I was very surprised by that, it was my payment, not your credit. I tried to call Fraud Management Service and left messages many times about that, NO ONE RESPOND TO ME. 

7, I had to write a letter to explain that it was my payment and provide the XXXX XXXX  money transfer record to prove it was my payment. I sent out the letter with a bank transfer proof to Union Bank Fraud Management Service on XX/XX/XXXX XXXX, I got a letter from Fraud Management Service which dated XX/XX/XXXX on the letter, it mentions that Thank you for contacting us about the Union Bank credit card account referenced above, we are reaching out to let you know that a review of this account is underway, and if additional information is needed, we will contact you. 

9, I got another letter from XXXX, Fraud Management Service, which dated XX/XX/XXXX it still considers that was union bank credit and posted to my account, so they consider my claim resolved.
Consumer complaint received 2022-02-20
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. (NY)

The items I disputed I have no prior knowledge of I do not know how they are on my report or how are they are being verified this is very frustrating and I have disputed these items on my report thirty days and have not received no verifying documents which I have requested
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX  Account # XXXXMember ID XXXX, has violated my rights.

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 a account without my written instructions
Consumer complaint received 2022-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

On XX/XX/XXXX, my check was garnished from an unknown source. I went to HR to inquire about the deduction. I was advised it was court ordered. HR provided me with a copy of the court order. I called the number on the court order to inquire about the garnishment. I was advised it was for a XXXX credit card and the amount owed was {$3800.00}. I was also advised that the account was opened on XX/XX/XXXX. I never owed a credit card. Please assist.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (DC)

XXXX & XXXX ( aka XXXX XXXX ) is reporting my accounts as being charged-off. However, I have been making payments through XXXX XXXX XXXX, every month, since XX/XX/2017. The creditor is reporting a charge-off, even though I have been faithfully making the payments on a proposed payment arrangement that THEY REJECTED. At the advice of XXXX XXXX XXXX, I made the payments, regardless. They have accepted those payments, because since XX/XX/2017, they have not issued any refunds of the payments ; however, they continue to perniciously report these accounts as a charge-off. The documentation indicates they are now acknowledging payments, but deny the dispute I have submitted at least five times through all three credit bureaus. The erroneous reporting continues to adversely impact my overall credit rating and credit scores, which paralyze my ability to do anything, even though I earn an adequate salary to become a home-owner.
Consumer complaint received 2021-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: ALLY FINANCIAL INC. (CA)

When I open the Roth IRA account XXXX with ally. 
Ally officially told me they would not charge any fee if I moved my money to other bank after 6 months. 
I opened XXXX and moved out XXXX, that is much more than 6 months. 
They charged me {$25.00} without letting me know. 
I contacted them twice for refund. No answers.
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I TRY MANY TIMES WITH THE CREDIT BUREAU AND THE CREDITOR TO REMOVE THIS ACCOUNTS FROM MY CREDIT BUT STIIL ALL THIS ACCOUNT ARE IN MY CREDIT REPORT.I TOLD ALL THIS PEAPLE THAT THIS ACCOUNT WONT BELOWN TO ME .THIS IS THE FIFTH TIME THAT I ORDER A NEW CREDIT REPORT AND THIS ACCOUNTS STILL IN MY CREDIT.
Consumer complaint received 2015-07-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (TX)

I have received calls on numerous occasions from a collection company known as CBE Group. I have received calls several times a day from this company. Each time that I have answered, I explained to the agent that we do not know the person they are looking for and to please remove my number from their call lists. I have had this number for almost XXXX years.