davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have issue with the Virginia law ( and other state laws ) that allows credit reporting companies like Transunion, XXXX, and XXXX to charge a fee in order to place a freeze on an individual 's credit report. 

Since these companies can not guarantee protection of the personal data of XXXX  citizens, we should not have any barriers for the protection of personal identity and financial standing. 

I did not have to pay a freeze with XXXX because my personal information was most likely compromised from the recent breach. 

I had to pay a {$10.00} fee to Transunion, which I have issue with. 

I have been unable to place a credit freeze with XXXX due to technical issues on their website, but they also charge a {$10.00} fee, which I have issue with.
Consumer complaint received 2017-12-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I received a letter from Ocwen Loan Servicing dated XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. It stated that my loan modification failed due to " failure to return signed Trial Plan Agreement within the required timeframe ''. I disagree with this decision due to laon modification paperwork was uploaded and faxed to Ocwen. I was informed when I contacted Ocwen on XXXX/XXXX/XXXX ( at XXXX pm ) that the paperwork was received and nothing else was needed except the first payment, to which was made at the same time as the phone contact. I spoke to XXXX with agent ID # XXXX. I contacted them for clarification to the loan modification wording, since it is confusion as to which/what was good to fax/upload/email and which paperwork needed the original signatures. I was informed when I spoke to XXXX that all the paperwork was received and when I asked if I needed to overnight the originals, I was informed " NO ''. This is a conflict to the decision received on XXXX/XXXX/XXXX. I called and spoke to my relationship manager, XXXX XXXX, on XXXX/XXXX/XXXX. She informed me at that time the originals were needed to be sent in. AT NO POINT IN TIME did anyone inform me until the latest decision. I am not sure as to why, if Ocwen received the first payment and the uploaded and faxed paperwork, no one contacted me to say they NEEDED to ORIGNINAL PAPERWORK. 
After some research, I have found numerous complaints about Ocwen staff giving false and incorrect information. They have also been fined and have had class action lawsuits for fraud. 
I feel, due to the incorrect information when I CALLED for CLARIFICATION, I should be given another change to do a modification. I feel Ocwen has defrauded me and set me up to fail the trial modification. I am trying to fix my defaults with Ocwen, but feel they are impeding my progress.
Consumer complaint received 2019-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER CAREFUL REVIEW OF MY CREDIT REPORT I NOTICED THAT THERE WERE ACCOUNTS THAT WERE INACCURATELY PLACED ON MY CREDIT REPORT. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS AND I AM REQUESTING FOR THOSE ACCOUNTS TO BE REMOVED AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION. PLEASE INVESTIGATE AND HAVE THOSE DEROGATORIES REMOVE.
Consumer complaint received 2017-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I have been under FEMA forebearabce since XXXX due to Hurricane Irma. This is my second CFPB Compaint regarding this. In response to my prior compaint, My Loan Care acknowledged I was under FEMA forebearabce ( but did not resolve ANY of the other offenses I complained of ; which remain unresolved to this day ). I have now been kicked off their website and am unable to make a payment. After spending more than an hour trying to speak to a customer service rep, I was explicitly told that ( a ) I was not under a FEMA hold, and ( b ) if I wished to make a payment there would be a {$15.00} charge. 

Now my forebearabce is ending and they keep insisting I apply for a modification or loan repayment program, which would change my loan terms and increase my interest rate. This my have been lying and scamming me and giving inconsistent advice the entire time I have been under FEMA forebearabce. AND they 're charging me inspection fees, which I should not have to pay since I 'm not in foreclosure. Nonetheless, by locking me out of the website and refusing to accept my payment without charging exorbitant fees, they are literally trying to force me into foreclosure. 

I understand that they want me to Sue them to get a favoriable resolution ( which may be my only option at this point ). But I have recorded calls and PROOF that I have been lied to, scammed, have had my payments rejected unless I pay a high fee, and am basically being pushed into foreclosure or an unwanted modification.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Accounts Receivable Inc. (WA)

Accounts Receivable, Inc is a collections agency in XXXX, XXXX plaintiff is XXXX XXXX XXXX XXXX XXXX send me a court order to garnish my money but is over the statute of limitations dated XX/XX/2013. I paid the XXXX XXXX XXXX to help me regarding the lawsuit. 

I believe I paid for every credit card that I have but they said no. They are trying to look for the proof of payment that I paid the company. 

I live in XXXX  state and the statute of limitation is 6 years. Why now?
Consumer complaint received 2019-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OH)

CREDENCE RESOURCE MANAGE # XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ) and ( FDCPA ), section 623, subsection ( 8 ) ( D ). 
The specific information under dispute needs to be validated by a proof of claim or contract.I am requesting the verification to follow reasonable procedures to Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Consumer complaint received 2018-09-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

In 2013 Wells Fargo foreclosure on my house at XXXX XXXX XXXX XXXX XXXX pa XXXX What I need from Wells Fargo is documentation of the foreclosure and eviction for my records the loan number is XXXX. Please try to get this information.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Please investigate the following information. XXXX XXXX  XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of major delinquency is incorrect, correct it or delete this account. The type of loan is incorrect, correct it or delete this account. Date open is incorrect, correct it or delete it. XXXX XXXX XXXX  XXXX. Date open is incorrect, correct it or delete it. Type of account is incorrect, correct or delete this account. The date of major delinquency is incorrect, correct it or delete this account. Date of last payment is incorrect, correct or delete this account.XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. Date of last payment is incorrect, correct or delete this account. Term duration is incorrect, correct it or delete this account. XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. Date reported, correct or delete this account. The date of major delinquency is incorrect, correct it or delete this account. XXXX XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. The Account Owner is incorrect, correct or delete this account. Date of first delinquency, correct or delete this account. XXXX XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. The Account Owner is incorrect, correct or delete this account. Date of first delinquency, correct or delete this account. t.
Consumer complaint received 2020-11-27
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I hope all is well ...

The reason why Im writing is because I called Capitol One for relief due to the pandemic. I explained to them that I will be paying the card completely off 30- 60 days from now. I advised them I would been paid the card off if the pandemic didnt come. This mostly likely would been the last time I needed relief due to Im paying the care completely off. I been with Capitol One since 2001 and I was treated very badly today over the phone I have been a great customer have paid on time and also paid my card completely off in the past. Today I was hung up on, transferred several times and given different answers from managers and supervisors why I couldnt get relief. One manager stated I couldnt get relief because it was a new cap program that started two weeks ago and when I asked what date she didnt know and I also asked for something in the mail stating that. I spoke to another manager after I called back she advised me that was not true but I couldnt get relief per the computer not because of a new program. I was on the phone over an hour. XXXX XXXX risk XXXX because I had two XXXX  back to back a year ago and Im also XXXX I feel as if Im being discriminated against because I explained all this on each call. My hours have been cut because of the pandemic. I went ahead and made the payment that is due today of {$290.00} but that was all the money I had. I dont appreciate the way I was treated today. I havent ever been late and Im a very great customer that been with Capitol One since 2001. All I need was relief one more time before I paid the care completely off. I do apologize its not my fault that we have a pandemic and Im doing the best that I can. I have every call today recorded on my phone I will pay this card completely off and take yall to court by the way I was treated today. I shouldnt of been transferred, hung up one and given different answer why I couldnt get relief like someone lying to me. I take my finances very seriously and my other credit cards like XXXX XXXX, XXXX etc dont treat me no where near how I was treated today with Capitol One. I dont need this while Im pregnant and about to pay the card off. Those calls need to be pulled because I have them on my end and that caused me stress today and anxiety I dont need while pregnant. Thank you for your time. Have a wonderful day and please be safe.
Consumer complaint received 2019-02-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

During XX/XX/2018, I applied for a student loan for my son and cosigned the loan as his parent ( legal guardian ). The loan application process was done at the bank branch by the branch manager. I requested the deferred option with a fixed rate. 

The branch manager completed the application on her computer and told me the loan was sent to my e-mail account to e-sign, which I completed. 

It turns out the loan payment option chosen by the manager was payment of interest immediately instead of deferred upon graduation and the rate is variable. 

On XX/XX/XXXX, I received a late payment notice in the mail from the banks collection party demanded {$170.00} interest payment that is late. I called the collection agency immediately and that is how I discovered the loan application was done erroneously at the branch. The branch is Citizens Bank on XXXX XXXX XXXX, XXXX XXXX, MA XXXX
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I recently paid off a settlement amount for a past due collection for {$360.00} on XX/XX/2018 to XXXX XXXX XXXX who is collecting on behalf of XXXX XXXX who was the original creditor. Credit Reporting Agencies need to delete this account now that it is paid and XXXX XXXX XXXX can confirm this to be true and they mentioned if they can they would delete my account off reports but that needs to be done by the Credit Reporting Agencies Immediately. 

THIS ACCOUNT IS NOW PAID AND NEEDS TO BE DELETED IMMEDIATELY off of ALL Credit Reports : XXXX, XXXX and Transunion
Consumer complaint received 2018-09-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

Received several ( each 2 hours all day ) which were ROBO Calls from XXXX XXXX ( XXXX ) XXXX. Announced that if I was a specific person, I should input 1, if not input 2. I input 2. I input 2. I was told to pause the message to input 1, which I did. I was then told to get the particular individual and get them to the phone. Then the ROBO call went back to if you are " " input 1 If not input 2, but then added if this is the wrong number input 3. I input 3 and the message went back to if you are " " input 1 and if not input 2, at which point I hung up the phone and and took down the information and called them back to put in a complaint. 
The first thing they asked for was the phone number associated with the account. I explained that I had no account with them and that we had no previous business arrangement with them ( which is why I tried to register this as a violation of the do not call registration. I also told them that I did not appreciate the harassing ROBO calls and to remove my phone number from their records. 
I got in touch with the specific person ( who does not live here and has not given our number ( XXXX ) to XXXX XXXX. Evidently they got my phone number from public records and decided to try to collect a debt using constant harassment. 
The harassment started before noon today, and had a repetition rate of once per 2 hour period, until XXXX this evening when I finally had enough.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

I sold merchandise to a consumer. However, just days before taking delivery of the equipment, the person made a fraudulent credit card chargeback request and THEN took full delivery of the merchandise as if nothing had happened. 

Subsequently, I informed that buyer that I was filing a lawsuit against them for fraud. The buyer then called Chase Bank back and informed then to rescind the chargeback request and his purchase was indeed valid. Chase Bank informed their client that the matter had been resolved as of XX/XX/XXXX. Yet Chase Bank has refused to put the {$15000.00} back into my account. In effect, Chase Bank has stolen my money!
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY (NM)

Reported to WELLS FARGO my bank accounts being used against my knowledge through Bank XXXX. Taken care of in XXXX XXXX & XX/XX/XXXX. Closed accounts & new accounts opened. 
Now XX/XX/XXXX WELLS FARGO ACCOUNT compromised. Phone number XXXX TEXTED me Regarding opening an Account in Arizona at XXXX XXXX XXXX  in a Purchase of over {$700.00}, using my XXXX XXXX XXXX Phone number and the first XXXX numbers of my WELLS FARGO Card # XXXX. That's my information. However, I did not approve or have knowledge of the purchase. 
I reported Identity Theft in XXXX. 
XX/XX/XXXX my SOCIAL SECURITY ADMINISTRATION LETTER was Stolen. I reported to USPS. Nothing Done. 
A new XXXX shows up on XX/XX/XXXX that I am not aware of. 
I've Reported to Police Department regarding FRAUD as directed by Social Security in XXXX. It's the same people who have previous thefts and falsifying information naming XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. All XXXX are in the same family. 
All are 44 years of age ( XXXX XXXX, to the age of XXXX XXXX XXXX ( XXXX ). I've reported before. XXXX XXXX was turned in to the FBI by my brother in XXXX or XXXX die to Lottery Scam Theft of my XXXX. Who had to file Bankruptcy for over {$160000.00} & now in XXXX we are battling another {$40000.00} signed debt from XXXX, which was given to XXXX XXXX. Testified to in Court by XXXX XXXX XXXX 11 regarding another Scam put on my Mother. Who is passed. The four named above are the same people who have used and caused me so many financial thefts, mail fraud, and phone Hacking, Internet Hacking. XXXX Reported twice in XXXX of an email trying to get into my XXXX Account. I researched the email address which was or still is a friend of XXXX XXXX XXXX ll. Who resides at XXXX XXXX XXXX XXXX, XXXX, NM XXXX with me. He's a XXXX XXXX XXXX male.
Consumer complaint received 2017-11-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

In 2016, My wife and I were discharged from Bankruptcy chapter XXXX which included the debt on the home we were living in. The house was supposed to be auctioned off, and sold. This however, has never happened, and still is showing at the county that we own the property. We can not purchase another home until this property is off of my record at the county. I do NOT need credit adjustment, just it foreclosed  on, so I can move on.
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 8 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I would like to discuss the very legal but shady with lack of morality and empathy that this company inflicts and practice on the consumer. I will be forwarding this complaint to the consumer financial protection bureau as well as my state congressmen. Over the years I have worked really hard at trying to raise my credit score. Serving in the XXXX XXXX and being young I didn't realize just how important credit was until I became older. I open a line of credit with Rooms to GO financed by Synchrony. Not because it was my only option but because I saw it as a way to build upon my credit. It should also been known that I didn't seek out the financing. It was brought to my attention by a sales associate at the store. It was a pitch given at the sales desk that I'm sure most people can relate to. During the COVID pandemic, I as an 1099 contract worker loss a great deal of business due to the nature of my job. Needless to say I'm not making as nearly as much money as I was. Due to this I have relied on my credit which has caused my utilization on revolving credit to jump much higher than the normal 25-30 % range that I kept it at pre-pandemic. With that being said I have still been able to make payments on time and make at least the bare min payment each month. It has been a real struggle but something that I take pride in. ( Again it was hard work building my score ) Although, I was making on time payments, I noticed that Synchrony had been decreasing my credit limit over the span of three months and each month my credit score would drop a few points. On XX/XX/XXXX I received a credit alert from XXXX saying that synchrony had closed my account. I was livid! On XX/XX/XXXX I called and was told my account was closed because " federal law mandates '' Synchrony to obtain credit reports and that because of this they closed my account due to " high utilization scores '' Here 's the issue! Synchrony is basically punishing me for trying to survive! While I didn't use the card during the pandemic, I depended on the card for credit score purposes. Although, synchrony can see I have have high utilization with other accounts they cant see how the other companies are working with their consumers during this rough period of time. They should also see that the same accounts that they are trying to penalize me for HAS NEVER BEEN late either! So instead of working with the consumer this company much rather punish them by further harming FICO scores. What made the situation worse was the agents response " well if you read the terms of agreement '' you would understand it's legal '' Noted! I also read some of the company responses here on XXXX  stating ' that synchrony isn't a credit bureau and therefore isn't responsible for the credit drop. This screams predatory... I will not rest until this is federally addressed! PERIOD
Consumer complaint received 2021-07-20
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: EQUIFAX, INC. (LA)

I called eqifax serval times about the high credit and balance on my report for sandtandier consumer i told them,, the high credit is lower than the balance and that is a FCRA Violation!! And it is to be removed at once they say they investigate it and it was correct its not correct because thats no possible!! I need this removed off my credit because its a violation