davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

It had come to my attention that Trans Union was violation of FCRA ( 15 U.S. Code 1681b ) -Permissible purposes of consumer reports, by furnishing a consumer report without my written permission. Information on that report was also inaccurate ( XXXX XXXX XXXX, and XXXX XXXX XXXX ) which i disputed. I was informed the debt had been reinvestigated and validated, meeting FCRA requirements, which is completely false. Which is a violation of ( 15 U.S. Code 1692d ) - Harassment or abuse ( 1 ) ( 2 ) and ( 4 ). I called Trans Union multiple times to no avail. No help, and rude customer service which is also a violation of ( 15 U.S. Code 1681h ) - Conditions and form of disclosure to consumers. Section ( c ) Trained personnel Each violation is regulated by the FCRA with a remedy amount ( 15 U.S. Code 1681n ) - Civil liability for willful noncompliance
Consumer complaint received 2018-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (KY)

I purchased a home with my husband in XX/XX/XXXX. Roundpoint Mortgage purchased my mortgage from the original lender in XX/XX/XXXX. I neither chose nor desired any business relationship with Roundpoint Mortgage Servicing. I have paid or attempted to pay each and every one of my payments on time, usually well in advance of the due date. Twice they have misallocated a payment by adding my monthly payment to the principal column of my account rather than distributing it per our agreement and adding the additional principal paid as directed on my payment coupon ( which was always completely and accurately filled out ). The XX/XX/XXXX payment was never recorded/charged from my checking account, even though the check/payment was sent at the end of XX/XX/XXXX. I called to discuss why it had not been applied, and I was told over the phone that it had. I actually made a payment online while on the phone with the agent to cover the payment. He advised me that he had infact found my XX/XX/XXXX payment and that it cleared on XX/XX/XXXX. He then cancelled my online payment so that I wouldn't double pay. I then received a notice that I owed 2 payments and called the company yet again. As it turned out ( it took an hour -- 62+minutes -- to figure out ) the payment received on XX/XX/XXXX was the XX/XX/XXXX payment and they still had not applied the XXXX payment that I mailed in XX/XX/XXXX. I paid both the XXXX and the XXXX payments on XX/XX/XXXX. When I received the XX/XX/XXXX statement for the XX/XX/XXXX due date, my " Principal YTD '' showed " - {$88.00}. '' After my 2nd phone call on XX/XX/XXXX which lasted 46 minutes, they finally figured out that when they misallocated my payment in XX/XX/XXXX, my principal portion was put in the negative so severely that even after paying approximately $ 350/month towards principal, it's still in the negative. They have yet to clear this up. Each month there is a new problem. They still can not guarantee that I'm not being charged interest ( accruing interest ) on debt that has already been paid. When I call, the employees do not know what to do with my issues. On more than one occasion they have blamed me for the problem, saying that I should have waited until the calendar month in which the payment was due prior to making the payment, even though I was simply paying the bill as it arrived *and* my due date is on the XXXX of the month, so I can not send it in on a different day of the same month and still be on time. The company should NEVER blame the consumer for a problem that the company caused. Additionally, the company misfunded my escrow account and they charged me an extra {$1500.00}! I truly believe that this money is messed up in the same way that my principal is messed up and I've been forced to pay this illegally. I just want my money to be applied to my debt in a fair and legal manner.
Consumer complaint received 2021-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (IN)

I am on the delayed payment plan with Midland Mortgage until XX/XX/XXXX. Due to COVID, I was having trouble finding a job in XXXX  so moved to XXXX  for a new job in XXXXXXXX XXXX XXXX XXXX. My house is up for sale. I am supposed to have until XX/XX/XXXX and then a modification was to take place where the past due is put to the back of the loan and I continue making payments. 

However, there was a notice on my door from XXXX property group stating they are managing the property now. It was posted on XX/XX/2021. 

I was given no notice at all this was happening. 

The house is up for sale and it was quite embarrassing when a potential buyer was going to be shown the house on Friday XX/XX/2021. I did receive an offer last week that was extremely low and I would not be surprised if they were tipped off with the crookedness happening here.
Consumer complaint received 2021-10-23
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. (UT)

Trans Union continues to report a po box address that is inaccurate and not mines. I have requested for the removal of this po box several times. Please update my consumer profile and delete this inaccurate information immediately. I have one accurate address on my consumer profile already listed.
Consumer complaint received 2021-05-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CT)

I transferred funds in the amount of {$10000.00} from my XXXX account to my Coinbase account XX/XX/XXXX using my EOS wallet transfer address. It shows completed XX/XX/XXXX at XXXX via XXXX account. MY coinbase XXXX  wallet was the receiving end and I've exhausted all measures to try to contact them, and see what has happened with my funds. I have not received any confirmation from Coinbase nor at the least, a pending transaction. It's as if the money just vanished. I have checked over and over to ensure I sent to the correct wallet address and tag/memo ( no error on my end ). I understand coinbase is a very busy company, but to go this long without a response is just inexcusable. These are funds that are meant to pay for my wedding coming up XX/XX/2021, and I've tried to express that through my complaint. All I ask for is a confirmation of my funds pending or received. I'd appreciate anything you could do for me at this point. Again this money was being used for my wedding so it puts me in a desperate situation for the reasoning of this complaint. 


Respectfully, XXXX Due to the nature of security I will not post my transaction hash number but I will provide the original case number Case # XXXXand new case # XXXX I've filed to Coinbase which has that hash information provided in the complaint.
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (NY)

I used the Discover Deals section of the Discover.com website to make a purchase with a 5 % cashback bonus. I used this page ( XXXX ) to buy a XXXX and get 5 % back, but when I asked a Discover representative later for more information they said my purchase was excluded, even though XXXX was not listed under exceptions for the deal at the time. The representative acknowledged that the live site at the time did not exclude the purchase, and said they would investigate further. The next day XXXX was added to the list of exclusions, and I was told I would not receive the 5 % back, so I canceled the charge. Attached is a print out of the original deal before it was changed and a transcript of my correspondence with Discover.
Consumer complaint received 2022-07-23
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. (IL)

I just got an updated copy of my credit report and there are some hard inquiries that I dont recognize. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-10-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P. (FL)

Paramount Recovery is violating FCRA, FDCPA, Collectors are required by law to send written debt validation notice with information about the debt they're trying to collect. It must be sent within 5 days of 1st contact. This was never done. They just started reporting to my credit report on a debt I disputed from another company. Neither of the companies have sent any written notice for this. This is hurting my ability to obtain credit and creating emotional hardships. I have also filed a complaint with the State of Florida and their business license.
Consumer complaint received 2015-07-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (IL)

I financed a vehicle thru Ally financial entering a retail installment contract on XXXX/XXXX/XXXX. The Consumer Financial Protection Bureau and U.S Department of Justice investigate Ally 's auto financing business. And Based on the investigation the government agencies claimed Allys pricing and automobile dealer compensation system resulted in minorities ( to whom I am an XXXX ) paying higher interest rates than XXXX customers. 

Ally did not admit to these allegations but agreed to enter a settlement with the government agencies in XXXX XXXX. 

In XXXX XXXX and XXXX XXXX Ally financial reported my account 30 days late and 60 days late to the XXXX major credit bureaus XXXX, XXXX, and XXXX. 

This not only hurt my credit but also financially as ally was allegedly charging me a higher interest than XXXX. So when I finally refinanced the above vehicle loan with my local credit union XXXX XXXX. I owed more on the vehicle than if Ally would have charged me at a lower interest.
Consumer complaint received 2021-11-11
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. (GA)

To whom it May Concern, I am in need of your assistance. I have been trying to get inaccurate information that is showing on my credit file removed. Here are the items that is inaccurately reporting or is not mine. 

The accounts below are not mine : 1. XXXX XXXX - XXXX XXXX  showing on Transunion and XXXX 2. XXXX XXXX - XXXX that is showing on XXXX and XXXX 3. Bankruptcy XXXX that was filed in XX/XX/XXXX The below accounts is inaccurately reporting late : 1. XXXX XXXX - I was never 30 days late in XX/XX/XXXX ; Transunion, XXXX, and XXXX is XXXX inaccurate lates 2. XXXX XXXX - I was never 30 days late in XX/XX/XXXX ; Transunion, XXXX, and XXXX is reporting inaccurate lates 3. XXXX  - I was never 30 days late in XX/XX/XXXX ; XXXX is reporting inaccurate lates 4XXXX XXXX XXXX - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; Transunion , XXXX XXXX and XXXX is reporting inaccurate lates 5. XXXX XXXX - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; Transunion, XXXX, and XXXX is reporting inaccurate lates The following address information is not mine : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-07-23
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank 2020 allowed debit card approved, only to discover the agency would place my account tin a insufficient fund status. Failing to pay the creditor. 

XXXXXXXX XXXX XXXX XXXXXXXX, time after time but no assistance available. 
XXXX Texas applied for housing was not any funds available. 
XXXX XXXX XXXX XXXX ( XXXX  ) Program nothing available. 
XXXX XXXX declining Housing due to time in service after Retiring
Consumer complaint received 2018-05-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After several attempts via calling and written disputes. TransUnion refuses to correct my name under my personal information. I have never been named XXXX XXXX XXXX or XXXX XXXX. I have never legally changed my name, I have never signed anything using these names, I have never used those names on anything and I do not know how they are verifying anything with a name I have never had/used.
Consumer complaint received 2018-05-11
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: Experian Information Solutions Inc. (MD)

Attached are proof they have NOT been removed. That PUBLIC RECORD ON FILE and Also a Account for UTAH OFFICE OF RECOVERY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX is reporting incorrect information on my account. They are currently reporting a late for XX/XX/2018 and I was never late. I went into the office and made my monthly payment along with an advance payment for the following month. The representative I spoke with confirmed that no other payments were due, or past due and my account was in good standing. So I am not sure why I am showing any lates.
Consumer complaint received 2016-05-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NC)

I have paid my car payment up for 2 months my next payment is not due until XXXX XXXX of XXXX dollars. I have had car payment in the past and if you make payment ahead of your payment date you do n't make all the high interest. Ally is charging in high interest for payment I have already made.
Consumer complaint received 2021-10-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (GA)

I attempted to refinance with Freedom Mortgage and I sent them all the documents they requested. In XXXX of XXXX I was scheduled to close on the refinance and Freedom Mortgage on the day of cancelled. They claim they need more documentation. I gave everything I could provide and they continue to request more and more. I never closed on the refinance and mortgage payment remain high causing me to experience an hardship.
Consumer complaint received 2018-05-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CHECK INTO CASH INC. (CA)

In XX/XX/2015 I went to the XXXX XXXX check into cash building. I paid XXXX as a settlement agreement for my XXXX remaining balance on my vehicle title loan. I never heard from this company again. 
Then on Wednesday I get a call am from a man named XXXX asking for me by full name never mentioning he was calling from check into cash in Nevada. I was in a meeting and my assistant called him back and he was unavailable she spoke to a woman who didnt give her name who started saying I HAVE not HAD a title loan with this company ... when my assistant told her point blank I was in with a client and she was my assistant. So A ) they have no right to speak to anyone about any sort of loan ive ever had with them to anyone but me. Then she started asking my assistant for my address and where I lived and my assistant was totally freaked out. The woman told my assiatant she is in nevada and with check into cash. B ) they have no right to ask personal questions about where I live or what my address is. When I called back I spoke to a woman and told her I was recording the line to whi h she responded she was recording but she wasnt allowed to speak on a recorded line told me I never paid them and they will have the police find me and arrest me and make sure I pay for stealing from them. I told her everything they are doing is illegal and I was filing a complaint. They cant have the police come and arrest me when I paid them 3 years ago. Why wasnt I informed of an issue at any point over the last 3 years?!?! She hung up.
Consumer complaint received 2015-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted the credit agency TransUnion. They tell me that in order to get the false inquiry on my credit report removed, I need to send an authorization letter and an inquiry deletion letter. I contacted the XXXX Bank to try and obtain an inquiry deletion letter and they told me to contact the credit agency. So I kept calling back and forth with no result or progress. XXXX companies gave me a lot of numbers that could n't help me at all, so I 'm trying to find out how I resolve this unauthorized hard inquiry on my credit report.
Consumer complaint received 2018-05-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Over the last 90 days I have disputed multiple inaccurate inquiries on my Transunion credit report for credit items that I did not apply for.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I had a 1995 bankruptcy process in case of chapter XXXX and recently asked for a car loan and I refused it because that chapter appears on my credit report and all debts. Trans Union call and tell me that is not in the report. but request in XXXX different places and all XXXX appeared they told me that Chapter XXXX
Consumer complaint received 2022-11-04
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

WE ARE IN RECEIPT OF COMMUNICATION FROM THE OBTAINED LEGAL COUNSEL XXXX  ON BEHALF OF BOA REGARDING : XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX. IF BOA WAS NOT GUILTY OF ANY FRAUDULUENT ACTIVITY WHY WOULD THEY OBTAIN LEGAL COUNSEL. AS WE CONTINUALLY STATE WE HOLD ALL DOCUMENTS WHICH ARE HOUSED IN SEVERAL PLACES IN THE EVENT ENTITIES ATTEMPT TO TRY THEIR CREATIVITY AGAIN. WE KNOW BOA WAS APART OF THE PLOTS TO TAKE ME OUT AND A PART OF THE CONFERENCE CALLS WITH STATE OFFICIALS AS ATTESTED IN A PREVIOUS HEARING. 

XXXX. THE DOCUMENTS ATTACHED TO XXXXXXXX XXXX  WERE APPARETNLY OBTAINED FROM XXXX AND XXXX, WHICH IS QUITE HUMERSOUS AS NEITHER FIRM HAVE THE CORRECT SUPPORTING DOCUMENTS FOR THEIR CASE. 

XXXX. XXXX HAS ASSISTED US WITH COMPLETLY VALIDATING OUR CASE REGARDING BOA ROLE IN THE FRAUD MORTGAGE LOAN. UNDERESTIMATING US SINCE WE ARE MINORITIES AND THINKING WE ARE INCOMPOTENT WITH IQ 'S NOT SUPERCEDING XXXX IS TOTALLY INCREDIBLE. TRY XXXX? WE ARE NOT STUPID AND WE KNOW WHAT BOA HAS DONE. 

XXXX. SIMILAR TO XXXX AND XXXX YOUB ARE ASKING DOR OUR DOCUMENTS BECAUSE NEITHER FIRM HAS THEM. THIS IS QUITE HUMERSOUS. HOW CAN YOU REPRESENT A CLIENT AND DO NOT HAVE A FIRM FOUNDATION. AS THEY TEACH YOU IN LAW SCHOOL, PREPARE FOR ALL CRACKS WHICH MAY OPEN FROM YOUR OPPOSITION! 

XXXX. WE HAVE GIVEN BOA A BREAK, WE HAVE NOT EVEN REPORTED THE ADDDITIONAL PIECES AS A COMPLIANT TO SUPPORT BOA 'S ROLE IN THE MORTGAGE FRAUD. YES, TRUMP CARD! 

XXXX. THESE XXXX FRAUD DOCUMENTS, LIFTED SIGNATURES AND INITIALS. JUST SOCIOPATHETIC. PLEASE NOTE WE SUBMITTED ALL DOCUMENTS TO ALL APPLICABLE AGENCIES YEARS PRIOR TO NOW. SO, PLEASE DO NOT ATTEMPT TO MODIFY THEM. 

XXXX. SUBMIT COPIES OF ALL PAYMENTS FROM XXXX AND XXXX MADE TO BOA. OH, YOU CAN'T OBTAIN THEM BECAUSE THEY ARE ONLY ON FILE FOR 7 YEARS! YEA RIGHT! 

XXXX. WE NEVER RECEIVED ANY LOANS FOR MORTGAGES FOR ANY OF THE RESIDENTIAL PROPERTIES WE THOUGHT WE PURCHASED. ALL OF THE REPRESETNING FIRMS ARE AWARE OF STRAWBUYERS BEING INVOLVED NOT ONLY REGARDING THE RESIDENTIAL PROPERTIES, BUT COMMERCIAL AS WELL. AS MATTER OF FACTS, MEMBERS OF SOME OF THE FIRMS PROFITTED FROM TH FRAUDULENT MORTGAGES OBTAINED USING OUR PERSONAL INFORMATION AND CREDIT. WE NEVER RECEIVED LOANS FOR ANY YEAR NOR MONTH OR DAY! WE WERE TARGETED AND VIOLATED AND THESE BANKS WERE PASSING AND SELLING THE NOTE WHICH BASICALLY BUILT OTHER SUBDIVISIONS! 

REFER TO THE ATTACHED DOCUMENT : DEEDS. THESE ARE NOT OUR INITIALS. 

WE ARE ASKING THE CFPB, FBI AND ALL APPLICABLE ENTITIES TO PLEASE PLACE BOA AND XXXX XXXX XXXXXXXX XXXX. THEY TOO ARE HARMING US PERSONALLY. WE WILL NOT CONTINUE TO RECEIVE DISERTATION FROM THEM! F WE THANK XXXX FOR SURTHER EXPOSING BOA 'S FRAUD! 

WE LOVE THE ADDRESS FROM XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX TEXAS XXXX. EVERYTHING IS COMING OUT OF TEXAS DOES THE LAST NAME BEGINNING WITH AN ( XXXX ) RATTLE YOUR MINDS?? WE KNOW IT DOES!
Consumer complaint received 2018-05-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (NC)

When I initially went in for the loan on the products I was told that I was in a non interest-bearing loan and I purchased 3 items from Conn Corporation. And they did not have one of the products in stock that I ordered so I had to come back and get the product and once I came back to get the product they said they had to redo the contract and by doing so they said that it added an interest to the loan which I initially signed for a non interest-bearing loan so my products went from XXXX to XXXX because of Interest I've tried talking with many representatives of the company but they all give me the same thing and I also noticed initially it was a lot of young people working there and they were trying to get the credit for selling the loan so it was a lot of crooked work going on but by this time it was too late for me to do anything. I tried to give products back but they refused to take back and they are constantly reporting every month late payments to my credit. I feel as though I've been railroaded into a loan and there is no resolution through the company other than to pay the loan. And I refuse to pay the loan and the recourse for that is that a report on my credit every month late payment or just put in my credit score on a derogative state