davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-04
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. (IN)

Seeing how TransUnion finds it fitting to respond with canned answers, and their response has nothing to go with my question, I will keep filing complaints until they actually respond. Here we go again. 

Below is your response to my previous repeated complaint : We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of our research, XXXXXX/XX/XXXX # XXXX is currently not reporting any late payments. Please be advised, we store information in our records as it is supplied to us by creditors. When information is disputed, we are required to investigate and record the current status of the information. We do not provide dispute verification responses received from creditors. If you need to obtain documentation or written verification concerning your accounts, then please contact your creditors directly. In my complaint nowhere did I ask if XXXXXX/XX/XXXX still showed me as delinquent. Yet for some reason you went forward with telling me something I never brought up. My complaint was : No corporation, no entity, no individual, no groups of individuals, no DBAs, no limited liability companies, every gave TransUnion a report, a document, a form, a transmittal, a fax, a email, or anything stating I was delinquent on a thing. Yet TransUnion created a report, made that report public, where the report stated I was delinquent. Why?
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX2020 I bought items from Full-beauty online clothing store using the Comenity Bank credit card for {$69.00} I also bought, items used my XXXXXXXX XXXX credit card with the same bank in the amount of {$56.00}. 

Both changes were posted to the XXXX ( or Comenity Bank ) credit card. 
I call XXXX credit dept and they posted the changes to my XXXX  card. But XXXX XXXX still have these changes posted to their bank card card. 
I have call numerous times to get the matter resolve but was told the changes will fall off in XX/XX/2020. That means my credit line in off and so is my credit report which shows what I owe which is incorrect..
Consumer complaint received 2015-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

Ocwen acquired my loan from XXXX XXXX XXXX in XXXX XXXX. I was in chap XXXX bankruptcy at the time and it has since been discharged in XXXX XXXX XXXX. Ocwen waited until i was no longer under protection of chap XXXX and then claimed a bogus post petition debt that they say i owed and accelerated my loan to begin forclosure. i have proof of all my payments to ocwen and i am not in arrearage post petition!! They were paid all monies due pre petition but insist i owe them post petition payments due for months of XXXX XXXX until XXXX XXXX I even have statements where one month they claimed i had no post petition debt in XXXX XXXX and then the next month they claimed $ XXXX post petition and the number rises every statement. If i was so called in arrearage post petition then why did they never file a motion for relief from automatic stay during my bankruptcy since they claim my missed payments date back to XXXX XXXX and I was still under bankruptcy until XXXX XXXX. What mortgage company in their right mind would let XXXX post petition payments be in arrearage without filing a motion with the courts to stop an automatic stay!! What they did was waited until my bankruptcy was discharged because they have been trying to get my home because their is plenty of equity since i first filed bankruptcy. They are liars and only put foreigners in their customer service dept and they cant understand what you are trying to convey to them. They also show me as having owed a mortgage payment that was higher than the XXXX i paid to my prior loan servicer, XXXX XXXX XXXX and when i asked for a mortgage analysis XXXX years ago they never did XXXX but now say they are sending me a check for {$2800.00} because they recently did a mortgage analysis and my escrow balance was too much. The reason it was {$2800.00} over the amount it should have been was because they had me paying the wrong amount for my mortgage payment over a period of 3 years!! Had they done the mortgage analysis when first requested XXXX years ago they would have determined my mortgage payment was incorrect! Please help immediately! They are trying to coerce me into a loan modification so they can cover up there faulty accounting. I do not owe them anything!!! I plan to sue like the case XXXX XXXX vs Ocwen which cost them XXXX XXXX for their faulty accounting on her part.
Consumer complaint received 2020-10-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Regional Management Corporation (TX)

Hello there well i have a loan with regional finance, i was doing just fine. Till all this Came down, i was still paying them i was a couple days late but never as late so they can report, but they reported to my credit payment missed wen it wasnt even late, so laid about it, i was still paying them but. Then I wasnt working at all helping my family at home. 
Then they started to call, they have called me up to 206 times a day. 
Then they got the number of my mother, cause she had a loan there. And e started to call her.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (OK)

I applied to (2) two Chase backed credit cards after being heavily solicited by both. The first was a Chase backed Southwest Airlines Reward card. I was denied but the reason says it was because I do not already have a "Chase" card. This makes no sense and I have an excellent credit rating 750+.The second was a Chase backed Marriott Reward card. I was denied but again the reason says it was because I do not already have a "Chase" card. This also makes no sense and I have an excellent credit rating 750+I am more than qualified based on my credit score, history, and income. I believe that I was denied credit based on my political affiliations, race, or other reasons.
Consumer complaint received 2020-11-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (GA)

On XXXX I sent United Revenue Corp a debt validation letter. When there was no response I wrote to them again on XX/XX/XXXX but to prove they received the letter I faxed it on XX/XX/XXXX XXXX sent receipt attached ). I waited another 30 days and on XX/XX/XXXX I reminded them of the two previous dates that went unresponded to and that if a fourth letter was necessary it would be accompanied by a CFPB complaint so that's what this is.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, 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. (MA)

Transunion has made it impossible to activate " Security Freeze '' of my personal credit report. I have logged onto their site, where they heavily advertise their alternative " Credit Lock '' for {$19.00} monthly subscription. it take time to find the link to the Security Freeze option, which ultimately returns a 'technical error '' message, with a number to call. I have called the number, but that also returns a recorded message of 'technical error '. In short, Transunion has effectively block any method to security individual credit reports without using their high cost subscription service
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2023 Bank of America told me they were closing my account because someone had tried to deposit a fraudulent check but they returned it and that I had to stop my direct deposits. Well one deposit was already on the way to the bank and I was unable to stop it, I have called them everyday trying to retrieve my money and I keep getting told lie after lie about when I will get my money. I have received letters in the mail telling me that my accounts were closed, I have spoken to the claims department and the claims that were on my account have been closed but they still will not release my money. I explained to them that this is my rent money and I am facing eviction without it and they still will not give me my money. I just want what is rightfully mine.
Consumer complaint received 2018-07-23
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. (IL)

I received a XXXX  back at the end of XX/XX/XXXX. At first they stated I wouldn't have to pay the loan back until starting end of XX/XX/XXXX and on the app I downloaded it stated on there as well. I got a notification that instead it was a mistake and it was adjusted to start in XX/XX/XXXX or XX/XX/XXXX on the app. I didn't receive a letter in the mail. A few weeks go by and I see an alert on my credit report stating that I was behind in payments. Yet I NEVER got anything in the mail about when payments would be do. On XX/XX/XXXX I logged on to the app and paid a payment of {$120.00} which was deducted from my bank account on XX/XX/XXXX and a few months go by and it still says on my credit report that my account is past due. I log into the app and the payment still said It was pending. It was never updated to show the true balance. I had to email XXXX  customer service and they stated it would be updated in the system but it still says pending. And it reports every month as late. If I never got a statement in the mail stating by when and how much is due by a certain date how is it fair that it reports late on my credit report? I never got any type of communication with this company about it.
Consumer complaint received 2018-07-23
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: JPMORGAN CHASE & CO. (NY)

On or about XX/XX/XXXX a purchase was made with XXXX. Unfortunately an item was missing from the shopping bag that I was charged for and I called and spoke with XXXX who offered no assistance. Furthermore, a gift card was to be provided and the receipt was ripped in half thereby invalidating the gift card. I then disputed the charge with the credit card company. Initially they dispute the charge but then received a non-responsive answer from the merchant and reversed the charge on me on or about XX/XX/XXXX. This is despite them simultaneous sending me a letter from one XXXX XXXX asking me if I wanted to continue the dispute. They should have, at minimum, waited for me to answer before reversing the charge on me. Of course, they should have investigated the self-serving answer from the merchant. Once I received correspondence from XXXX I immediately called her more than a dozen times. But her phone kept ringing busy. I filled out the paperwork to dispute the charge and faxed it but only received a message from what sounded like XXXX but she does not speak English well. I then called back repeatedly, including today, at her extension, only to receive more busy signals. I am dismayed that Chase would handle my dispute in such a poor manner.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX, XXXX  leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and credit health. The three major credit bureaus Transunion, XXXX, and XXXX  are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

I have requested debt validation ( I have kept proof of this request, which I plan to use this information in court ) I have yet received any information in over 90 days. The Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) requires you to respond and validate any listed on a consumer 's credit file within 30 days, your company has not done so. I am distressed that this account is currently being reported to my credit file. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. I will bring this information forth to a judge in my area, if these accounts are not removed from my credit file. 

The Fair Credit Reporting Act requires you to remove this account from my credit report as soon as possible. My lawyer has taken the steps necessary in order to bring this information forth to a judge in my area if this account is not removed from my credit file as soon as possible.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

The failure of this company to NOT maintain the freezes we ere supposed to have on my wife and my account opened us to the latest hack. Then we tried to apply for their protection but they have NOT followed up with a confirmation email and we can not get into their site. This is major impact to the people of America and on our family!
Consumer complaint received 2022-08-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have been treated. Horribly by management and lied to numerous times and told I would receive credits that then were never given, in fact made up stories and continuous disrespect and lack of listening have occurred too many times which has all led to where we are now. There is foul play with my account and trying to cover up and make up crazy outcomes despite physical proof and me trying to explain. I'm so disgusted that this is what keeps happening to me and I'm supposed to be protected and taken care of. Instead my bank is stealing and being shady. I want whats only mine and it's been over a year with excised and promises on top of disrespect. I have several claims and XXXX I received a letter for and was suppose to be credited and never was, 8 bankers all seen the same thing but now it's all mixed up. I will be seeking legal service from my lawyer if not handled ASAP cause it's been too long and too much already. To be on the phone for 3 hours then disregarded by a MANAGER nonetheless and then fake transferred is Unacceptable! Thanks
Consumer complaint received 2023-01-11
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. (GA)

I have look through my credit report and notice a lot of identity theft and fraud on my credit report I have sent letters certified mail ask each of them to validate all of these keep sending me receipts and they need to collect a debit which is not the original creditors the original creditors is sharing my info with alot of debt collectors without my permissible purpose. I even got a return to sender mail back to me which is inaccurate information reporting also. So yes alot of debt collectors are doing illegal activities.
Consumer complaint received 2023-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXXXXXX XXXX  Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX Inquired on XX/XX/2023 They ran credit for an auto loan, I didnt request a loan.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CT)

I never had a delinquent record on my credit report ever. But this morning, I received an alert from my credit monitoring about a change on my credit score. For my surprise, I went online and saw a Delinquency recorded on my credit report form Home Depot/CBNA credit card ( XXXX ) .So I called the company to find out what was that about and they told me that I had a {$1200.00} past due for 37 days + fee = total of {$1400.00}, which I paid immediately. But my main issue is that they reported the delinquency for a bill/statement that I never received at home. They never called me about a past due amount or sent me a past due email/mail. I know they have the right address in their system but since the pandemic, I am having lots of issue with my mails. Where I live there are two streets with similar names, XXXX XXXX and XXXX XXXX XXXX, and sometimes I got mails from people living on XXXX XXXX, which I always leave a note for the mailman saying that it was delivered to the wrong address, and multiple times the same thing happened with my packages being delivered to their address by mistake. Not even mentioning that sometimes my mails are on my door steps instead of inside my mailbox. I am so upset because I never missed a payment in my life, and I begged them to clear this record from my credit report since it wasn't my fault. What hurts the most is the fact that I am about to apply for a mortgage loan, but this DELINQUENT Report will probably make my mortgage approval so much harder. I already file a Dispute with the 3 Credit Bureaus..
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (OR)

Simple, a bank that had been merged into BBVA but run as its own company was ultimately folded into BBVA on XX/XX/2021. Simple was a no-fee bank. BBVA is a traditional bank, i.e. full of fees. While they did disclose their fee schedule, " services '' such as overdrafts and paper-billing ( separately charged ) were opt-OUT and applied immediately, regardless of the customer 's ability to access their account ( which many were not ). These services can also NOT be opted-out of via the mobile app, further limiting user 's ability to avoid fees.
Consumer complaint received 2016-09-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

I believe OCWEN Loan Servicing , LLC has committed robo-signing and mortgage document fabrication. In XX/XX/XXXX, I asked OCWEN a simple question " If I sell my house today, how much is the payoff amount ''. OCWEN told me a higher amount and that is when I became suspicious. 
I started to check over my documents and XXXX Office of City Register filed documents. I noticed there has been no assignor since XX/XX/XXXX after INDY MAC bank went bankrupted following the mortgage crisis in XX/XX/XXXX. It looked to me that no one owned the mortgage note and it was n't assigned to anyone. I told OCWEN that the mortgage was n't assigned to anyone and I asked them who is the owner of the mortgage note. XXXX told me that XXXX XXXX owned the mortgage note but when I called XXXX XXXX they told me they are not the owner or not affiliated with OCWEN in any way. So XX/XX/XXXX, OCWEN decided to file an Assignment of Mortgage which I believed is fraudulent. OCWEN, " XXXX '', XXXX XXXX XXXX, XXXX XXXX XXXX all share the same address. " MERS '' assistant secretary XXXX XXXX, who created the Assignment of Mortgage, does she exist. What is going on here.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MD)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

You have been stubborn with the requests to remove the negativities from the accounts that are reporting erroneous information on my Credit File and you have been neglecting your responsibilities with the Fair Credit Reporting Act. I am submitting this CFPB complaint once more to request to you to remove the disputed erroneous accounts corrected as soon as possible. Also, you have been failing to send me copies of proof of verification from your supposed investigation. Did you really conducted any investigation at all? Now, I am submitting this last and final CFPB complaint to request to you to correct the disputed accounts from my Credit File as soon as possible. Here is the list of accounts that you should have corrected at the begining 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
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (WA)

My old student loans from XXXX and XXXX continue to show up on my credit report in error. I am in the process of having my remaining student loan forgiven through the PSLF program.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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