davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-06
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: Certegy Holdings, LLC (MN)

The following inquiries listed on my Certegy Consumer File Disclosure Report Tracking Number : XXXX is fraudulent and unauthorized inquiries : XX/XX/2020, {$130.00}, Check Number : XXXX, XXXX XXXX  XXXX, XX/XX/2020, {$130.00}, XXXX XXXX  XXXX, the inquiries, check number and checking account is fraudulent and not mine.
Consumer complaint received 2018-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Minimum payments were set up on my account for a long period of time. I have not used online services since XXXX therefore the over previous minimum payment was scheduled with a representative well over a year ago. The promotional APR ended on a balance transfer offer which resulted in a payment higher than the minimum ( well over prior minimum ) due. 

On XX/XX/XXXX I spoke with a representative whom removed a work number from my account as I havent had that number in over 5 years. At that time or before my preferred number XXXX was removed. Upon delinquency prior to negative credit reporting and credit line decrease to nearly the balance which also drops my credit score, Bank of America failed to notify me verbally of a past due amount.

The company sends emails with the payment and does not disclose the current payment is actually past due.

Upon speaking with a supervisor I confirmed there is no explanation of why a payment wasnt attempted to be collected on XX/XX/XXXX which would have prevented further late charges and negative credit reporting as well as credit line decrease. 

I am requesting this matter to be reviewed for more accurate ways of handling the verification of customers contact information and debt collection attempts to be completed at every time of speaking to a customer that is past due. As of the date I spoke with customer service and removed my work number while inquiring on balance transfer and promotional APR ending there was no discussion on my minimum payment that has been in effect not covering the new payment after the balance transfer promotional APR ended. 


Please research and review this complaint. I will be in contact with an attorney to seek restitution for this matter. 

As of XX/XX/XXXX my number was updated by a temporary employee to a do not call number without my consent which prevented the delinquent payment calls. 

My payment was made on XX/XX/XXXX prior to cutoff time and on XX/XX/XXXX my calls were incorrectly routed to customer service whom said I needed to speak to collections. The automated system continued to attempt to collect a payment in which was made over 24 hours prior. 

Please contact me at XXXX to discuss this matter in more detail. 

Contact information should be validated during each call or at minimum validated that it has not changed since prior calls AND representatives should be attempting to resolve delinquent payments on an account during any discussions with a customer. I am requesting resolution on this matter immediately.
Consumer complaint received 2018-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My information has been breached with XXXX and my identity has been stolen. I have tried to file a dispute on XXXX website but was unsuccessful because it won't allow it and through mail with no responses. then I was getting spam email repeatedly with different confirmation numbers saying my dispute was completed when I wasn't able to file a dispute in the first place. Everytime I tried to check the results I would answer all the verification questions correctly but the screen would blank out after like someone was hacking and stealing my information on my credit. ( I attached all the fake emails I received from them ). I logged onto credit karma only to see inquiries that do not belong to me. I see them listed on Transunion as well. 

XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon checking my credit report for the first time in years, I noticed I have a collection. I have no knowledge of this account. I am demanding the removal of the collection as well as everything else attached to the account that is negatively impacting my score from all three major credit reporting agencies, XXXX, XXXX, and Transunion. I would also like to note that regardless of the validity of the debt, The collection agency is breaking H.I.P.P.A. laws by sharing medical information. Here is Subsection ( d ) ( 3 ) From the revised 2018 Fair Credit Reporting Act.

Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 604 ( g ) ( 3 ), the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Innovis (PA)

In XX/XX/XXXX I sent a check to XXXX for XXXX knowing I would have a small balance left on my mortgage. Almost 30 days later I received the check back without an explanation. I called and spoke to XXXX ID # XXXX he said if I paid over 80 percent of my mortgage I would have to pay the mortgage in full. He gave me the pay off amount and I sent a check in XX/XX/XXXX for XXXX. Almost 30 days later I received the check back without any explanation. I called and spoke to XXXX ID XXXX. He told me that the check needed to be certified and gave me a new payoff amount of XXXX which was XXXX more. I asked if they could waive the increase and was told it would take 30-90 days. A supervisor by the name of XXXX XXXX XXXX was supposed to get back to me but never did. I was under a time restraint sent the certified check in for XXXX. Today XX/XX/XXXX I found out the XXXX reported a delinquency on my credit report for the month of XX/XX/XXXX. I called them and was on the phone for 3 1/2 hours. I spoke to XXXX XXXX, XXXX ID # XXXX, XXXX ID # XXXX, XXXX ID # XXXX and XXXX ID # XXXX who finally told me to call XXXX XXXX in the abundsman department. She asked me to email her asking for a courtesy credit adjustment. She advised me it could take up to 15 days because management had to review it. I asked her if I could speak to someone in management and she said no I would have to wait to hear from someone. I am trying to obtain a new mortgage and need this resolved in a timely manner. It's unbelievable to me that common sense of them receiving money and sending it back to me, the stress of taking 3 months to pay off my mortgage because of their " policies '' which were never clearly communicated in the first place and then they ( probably a computer generated program ) reports a delinquency which effects my credit score. How easy would it be to say - Yes I see that we kept sending the money back. I am very sorry. I will correct your credit report right away. I'm sorry. No, that was not the case. It was exhausting. Please help. This is a time sensitive matter and I should not have this effect my credit because of their incompetence. Thank you.
Consumer complaint received 2018-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I open a Kohls credit card on XX/XX/XXXX, During that time I had no prior knowledge as to how credit worked. I contacted Kohls on XX/XX/XXXX to settle the debt and was offered a settlement payment to resolve the debt in the amount of {$350.00} which I paid in two installments on XX/XX/XXXX and XX/XX/XXXX. Kohls informed me that this would settle the debt for the card and would be removed from my credit report as negative statements. I have since noticed that after the last payment was made on XX/XX/XXXX Kohls only updated my credit report to show that I have unresolved debt.
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (PA)

In XX/XX/XXXX I sent a check to Ocwen for XXXX knowing I would have a small balance left on my mortgage. Almost 30 days later I received the check back without an explanation. I called and spoke to XXXX ID # XXXX he said if I paid over 80 percent of my mortgage I would have to pay the mortgage in full. He gave me the pay off amount and I sent a check in XX/XX/XXXX for XXXX. Almost 30 days later I received the check back without any explanation. I called and spoke to XXXX ID XXXX. He told me that the check needed to be certified and gave me a new payoff amount of XXXX which was XXXX more. I asked if they could waive the increase and was told it would take 30-90 days. A supervisor by the name of XXXX XXXX XXXX was supposed to get back to me but never did. I was under a time restraint sent the certified check in for XXXX. Today XX/XX/XXXX I found out the Ocwen reported a delinquency on my credit report for the month of XX/XX/XXXX. I called them and was on the phone for 3 1/2 hours. I spoke to XXXX XXXX, XXXX ID # XXXX, XXXX ID # XXXX, XXXX ID # XXXX and XXXX ID # XXXX who finally told me to call XXXX XXXX in the abundsman department. She asked me to email her asking for a courtesy credit adjustment. She advised me it could take up to 15 days because management had to review it. I asked her if I could speak to someone in management and she said no I would have to wait to hear from someone. I am trying to obtain a new mortgage and need this resolved in a timely manner. It's unbelievable to me that common sense of them receiving money and sending it back to me, the stress of taking 3 months to pay off my mortgage because of their " policies '' which were never clearly communicated in the first place and then they ( probably a computer generated program ) reports a delinquency which effects my credit score. How easy would it be to say - Yes I see that we kept sending the money back. I am very sorry. I will correct your credit report right away. I'm sorry. No, that was not the case. It was exhausting. Please help. This is a time sensitive matter and I should not have this effect my credit because of their incompetence. Thank you.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (NY)

On XXXX a XXXX XXXX XXXX account in my name that was paid through Diversified Adjustment Service INC. Account was settled with documentation from XXXX XXXX VP of Operations and stated that the account would be dropped from all National Credit Bureaus. 

Account was then sent to XXXX XXXX. XXXX XXXX XXXX, Fl XXXX where I furthered paid dating on XXXX an agreed upon resolution of {$350.00}. Then in XX/XX/ hd seen XXXX show up on my credit reports. I resolved it another time through them. Not recalling the previous payments through Diversified and skeptical of weather I had paid it through XXXX previous. I set up another payment arrangement of {$220.00}, I paid the amount in two payments. Last payment being on XX/XX/. I have not received validation from XXXX other than seeing the payments drafted from my personal checking account. 

XXXX Called XXXX several times starting at XXXX XXXX aprox EST. Spoke to representatives XXXX XXXX, XXXX XXXX, and XXXX XXXX. Each representative gave me an email address to send the documentation of the account being paid previous to XXXX and through XXXX along with the amounts paid to XXXX to close and handle the account. An account that was previously paid for. All email addresses came back as invalid addresses through my gmail account. Documentation was noted and pictures of the returned emails have been logged. I was lastly told via XXXX XXXX that there would be no refund issued as I explained that this account was paid in full through Diversified XXXX XXXX XXXX. I was then dispatched to another tier management, where a message was left. Messges have been left previously with no return consultation. 
The referenced account through XXXX is XXXX Diversified Adjustment Services INc XXXX XXXX
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I been calling US Bank since XX/XX/20 and today is XX/XX/20. My balance is XXXX and Im unable to access the funds. Ive tried withdrawing the money multiple ways but it keeps declining. Every time I call the customer specialist says my card was inactive and hung up.
Consumer complaint received 2024-03-01
Product: Credit reporting 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. (MN)

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). These inquiries all unauthorized and is a violation under FCRA and much be deleted my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these illegal inquiries are reported illegally on my XXXX XXXX report, XXXX report, XXXX report, and Trans Union report. It must be removed ASAP. Also, my XXXX XXXX report has many errors including my date of birth of XXXX XXXX, XXXX which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXX.also, my XXXX XXXX has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Consumer complaint received 2022-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

When I applied for the suspension of my mortgage payments due to COVID financial impact, I was told that no interest would be charged during the period of time I was on forbearance. the payments and the principle would begin again where they left off and because I was never late on my payments, the missed payments would be tacked on at the end of the contract, either in a balloon payment or monthly payments until I paid all missed payments. As I was checking my account on-line during the time my payments were suspended, I noticed the balance of my mortgage principal owed was increasing. I called Wells Fargo, my mortgage lender, to ask them if interest was being charged during the time I was on forbearance and that I noticed the balance due on my loan was increasing. They said no interest was accruing and to be patient that it would be corrected when I was off forbearance and started paying my regular payments. 

I requested to start paying my regular payments XXXX months ago and that I no longer wished to be on forbearance The balance due on my mortgage grew more than {$20000.00}. It went from approximately {$210000.00} principle due to {$240.00}. I called Wells Fargo, again asked them to explain the added principle owed and was told it was interest that was charged during the time my loan was on forbearance. I told them that I was informed that no interest would be charged during that time period and representative told me that I had misunderstood. 

At this time, I am in the process of applying to other mortgage lenders for a refinance and the payoff on my mortgage is being given to these lenders by Wells Fargo as {$240000.00} principle balance. So now I owe {$2000.00} more on my loan that will have to be paid when I refinance instead of the real principal I owe of {$210000.00}. And if I don't refinance I will be paying interest on the extra principle that was added. Please explain. I still do not understand how I could end up owing more principle on my loan. I know fully that I have to make up those payments at the end of my loan but why did the principle go up? 

As of today I noticed that the principle balance owed on my account went down from {$240000.00} to {$230.00}. Still does not make sense to me. Are the payments I am now making reducing the principle while I am being charged interest on the new higher amount? And if I refinance will I have to pay {$20000.00} more on the loan? Is this interest being charged on calculated interest I was charged during the time my payments were suspended? Looks like Wells Fargo found a way to benefit from the financial difficulties of its customers caused by the COVID pandemic.
Consumer complaint received 2018-08-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC (TN)

Never received billing or other info regarding ownership status. Began to receive phone calls from a collection company XX/XX/2017. Company did not seem legal as they did not give me any written notice or other info regarding debt, required by law. Checked credit report found I had been placed in collection, without written notice of that happening. My rights have I feel been violated by unlawful business practicus
Consumer complaint received 2018-08-11
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. (OH)

Transunion, XXXX, XXXX reports the following inquiries I did not sign off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account XXXX XXXX XXXX
Consumer complaint received 2018-05-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

PENNYMAC TRIES TO KEEP AND PROFIT OF MY INSURANCE CLAIM CHECK WHILES I HAVE NO HOME TO LIVE IN I HAD WATER DAMAGE IN MY HOME AND FILED A CLAIM WITH MY INSURANCE COMPANY. TYPICALLY, INSURANCE COMPANY WILL WRITE A CHECK TO YOU AND THE MORTGAGE COMPANY. 
ORIGINALLY, MY MORTGAGE COMPANY WAS XXXXXXXX XXXX XXXX AND I HAD NO ISSUES. THEN MY LOAN GOT TRANSFERRED TO PENNYMAC. THIS IS WHERE MY HEADACHE STATRTED. 
PENNYMAC IS JUST REFUSING TO RELEASE MY INSURANCE CLAIM CHECK. ITS STORY AFTER STORY. THE CHECK WAS RECEIVED BY PENNYMAC ON XX/XX/XXXX & I WAS TOLD IT TAKES 6 DAYS TO PROCESS AND SEND US OUR CHECK. I EVEN SENT A POST PAID ENVELOPE FOR EXPEDITED DELIVERY. EVERYDAY I CALL, ITS ANOTHER 6 DAYS. THE CHECK WAS SENT TO THEM XX/XX/XXXX, ALL REQUIREMENTS HAVE BEEN SENT TO THEM BUT THEY ARE REFUSING TO PAY THE MONEY.CONTRACTORS ARE WORKING IN MY HOME AND NEED TO BE PAID. I HAVE BEEN OUT OF MY HOME FOR 6 MONTHS NOW AND NEED TO GET BACK HOME I JUST WANT MY MONEY ASAP. THE MONEY IS NOT THEIR MONEY, ITS TO BE USED TO PAY CONTRACTORS WHO HAVE WORKED TIRELESSLY IN THE HOME. THE WORK HAS BEEN DONE, THEY HAVE SENT SOMEONE TO INSPECT BUT THEY STILL WANT TO KEEP THE INSURANCE MONEY. 
ALL I NEED TO THE CHECK ASAP AND I WILL FIND ANOTHER COMPANY TO FINANCE MY HOME. I WANT THE CEO TO CALL ME AND EXPLAIN THIS BECAUSE THIS IS NOT FAIR TO HOMEOWNERS IF THIS IS HOW THEY BEHAVE
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

Hello - This complaint is against JPMorgan Chase. Thousands of dollars of fraud occurred on my credit. Chase did not catch the transactions. It was only after over 20 occurrences over a week did they finally reach out. I requested ( i had to ask ) for a full investigation to be done on the account and for a manager to contact me about the situation. Neither occured. I called back three weeks later and spent 2 hours on the phone with various people with no idea of how to deal with the situation. I learned that an investigation had not even occured yet.

This situation was so improperly handled. A fraudulent incident of this magnitude should not be dismissed like Chase. As a consumer, I have no idea what is being done and how to protect myself from further credit breaches.