davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
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)

Due to extreme circumstances beyond my control, I was 32 days late on a payment. I've never been late on any previous payments and I am current with all payments now. This happened due to extraordinary circumstances out of my control. I was affected by COVID-19 and unable to access my account or internet/phone from XX/XX/XXXX - XX/XX/XXXX. I was then a victim of auto theft that lead to Identity Theft and had to change all banking /financial information. As I verified all of my financial accounts and filed police reports/investigations I noticed that XXXX XXXX had a different last name associated on my account. They did not notify me of this incorrect Last name at any time. I was alarmed and believed this was due to the identity theft however I found out that XXXX  was at fault for placing a wrong last name on my account. XXXX  had a copy of my drivers license with my correct name and contract signed with my correct name. They are at fault for not verifying and correcting my contract. 

I called into all my financial institutions to notify them on the XXXX of XXXX. XXXX  has been ( the only institution ) unwilling to remove a 30 day late mark to the credit bureaus. They are unwilling to understand the severity of my situation and take some accountability for an error on my statements/account. I have offered to submit police reports and other documents and they have turned down every attempt I have tried to put forth. From a business relationship, legally and Ethically that this is a violation. 

In summary the 30 day late payment was Due to a combination of the below events/factors : 1. COVID-19 2. Identity Theft ( Compromised financial accounts and online email, etc. ) 3. XXXX  placing an incorrect name on my contract ( please see attached statement with incorrect Name )
Consumer complaint received 2018-01-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (IL)

On XX/XX/XXXX, I submitted a request to XXXX XXXX to refinance my current mortgage, and combine it with my 2nd mortgage. On XX/XX/XXXX,  I received an email from XXXX XXXX containing a list of documents required. On XX/XX/XXXX, I sent all the documents he asked for via email. I had already received a XXXX   package at my home address. It contained documents my husband and I needed to sign and send back. So, on XX/XX/XXXX, I talked to XXXX XXXX and he told me which documents needed to be signed. On XX/XX/XXXX, I scanned and emailed all the documents he asked me to sign and send. He confirmed receipt of these documents in a phone call and told me an appraiser would be calling. On XX/XX/XXXX, I emailed XXXX XXXX asking about the appraiser since I had yet to receive a phone call. In that email I mentioned I was getting repeated XXXX area code phone calls, but they never left a message. I asked if he thought that was them. He emailed back stating that number was him and could I please call him. I immediately called him ( same day ) and he informed me that he had made a mistake. He had thought I lived in XXXX County, but he now is noting it XXXX County. He asked me to verify this, which I did. He then said he was very sorry, but XXXX XXXX does not have an office in XXXX County, only XXXX County, so XXXX   XXXX could not do business in XXXX Co., thus could not service my loan. I am extremely suspicious of this response and can find no evidence on their website or anywhere else to verify this. Please provide assistance with this matter so I am able to understand why I had to go through all the work I did, wait well over a week to know this information. He called repeatedly using that XXXX area code, but never left a message, even a quick " call me back ''. It was outrageous. Thank you for your attention to this matter.
Consumer complaint received 2015-11-04
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a 0 % promotion on my Bank of America credit card. New charges are charged at 16.9 %. I make sometimes XXXX or more payments and pay in excess one hundred dollars additional or more on my account monthly in order to pay off the new purchases. Bank of America was posting the additional payments to the 0 % promotion and not to the new purchases with higher interest rates. Therefore ' leaving me to pay interest incorrectly. I spoke to several representatives and was told that Bank of America was aware of the error and was working at appropriately applying the payments and would have the additional incorrect interest credited back by XXXX. I called Bank of America again on XXXX XXXX and the representative seemed to have no clue of the issue. I asked for a supervisor who initially seemed clueless and finally told me the changes would reflect in XX/XX/XXXX instead of XX/XX/XXXX now. 

I have made numerous calls to Bank of America in regards to this issue and have been continually put off.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OR)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : JPMCB CARD Account Number : XXXX Account Name : JPMCB CARD Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2018-01-25
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

on XXXX I called XXXX XXXX about my loan status listed as " In Foreclosure. '' The company is seeking a payment of {$3800.00} from me. This is an internal problem with this company.

I have receipts for my taxes, marked paid, as well as a current paid monthly Home Owners Insurance document and a signed Occupancy Certification one.

So what documentation do they have saying this loan is in default. 
Their letter of XX/XX/XXXX supports my claim.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (WA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-03-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Transunion & XXXX  credit reporting has failed to respond to my dispute letter for CMRE which were sent certified mail and signed for.
Consumer complaint received 2015-08-17
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (KY)

I was recently scammed. I sent a wire transfer to a person named XXXX XXXX, delivered to XXXX on Monday XXXX XXXX, 2015 at XXXX. The transaction took place at XXXX in XXXX Ky, and the MTCN tracking number was XXXX. Someone was supposed to be meeting me with a package with a stamp to win a prize. I realize now how foolish this was. I have called Western Union automated line and the funds have already been dispersed. Do I have any recourse? I have reported this fraud to my financial institution XXXX XXXX XXXX XXXX in XXXX, Ky.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (GA)

LexisNexis is reporting incorrect information there are several addresses that are not mine and different name variations. LexisNexis keeps asking for my identification but it is attached to this complaint. Update my consumer report to report accurate information. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

In XX/XX/XXXX, my rental home mortgage was transferred to NewRez LLC. Starting in XX/XX/XXXX, NewRez stopped apply my extra principal payment to principal but applied the amount to the next payment. The call history with NewRez is as follows : - XX/XX/XXXX - Spoke with XXXX who corrected principal payment, future issues would be fixed and recommended one check be provided and not a separate principal amount. 
- XX/XX/XXXX - Spoke with " XXXX & XXXX to again resolve principal payment as it was applied to next payment amount and not to principal. 
- XX/XX/XXXX - Spoke with XXXX XXXX who again fixed principal amount and made note in their system to ensure extra amount be made to principal - XX/XX/XXXX - Spoke with XXXX to fix XXXX payment and apply principal amount to loan and NOT next payment. 
- XX/XX/XXXX - Spoke with XXXX to resolve XXXX principal amount being applied to next mortgage payment. 
As seen in the attached and according to NewRez policy, " excess funds paid will be posted to principal balance. '' I am extremely frustrated with NewRez continuing to apply my extra principal payment to the next mortgage payment and feel as if they are trying to take advantage of me for extra interest. The above is completely documented in the attached.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (CO)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2018-01-25
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. (AL)

I called Transunion and spoke with a rep. today. about my inquiries being fraudulent. he said inquiries are factual. Inquiries are not factual and I have my identity theft police report. I did not authorize these inquiries and I want them taken off my report..i have attached my identity theft report.
Consumer complaint received 2018-01-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (AL)

In XX/XX/XXXX Commonwealth Financial reported several accounts to all three credit bureaus totaling about {$2000.00}. I have never received a bill or any correspondence in relations to this debt prior to it being placed on my credit report. I called to see what this alleged debt was and was informed it was in relation to medical bills. The representative was very rude and ill mannered so the conversation did n't go very far. I called back again on XX/XX/XXXX only to be transferred back to the same rude representative. i then requested verification of the debt, asking specifically for a contract of some sort between myself and Commonwealth or Commonwealth and the said medical provider and also a breakdown of alleged charges. I received a bill in the mail on XX/XX/XXXX only portraying an account balance with no specifics. I called back on XX/XX/XXXX to advise them that this is not what was requested. Again the conversation did n't go too well. I requested verification documentation and waited for a couple weeks but did not receive anything. i called back again in XX/XX/XXXX and was told by the representative they 'd sent me a bill back in XXXX and if I required further information to contact the original service provider. On XX/XX/XXXX I drafted a letter detailing very specifically the verification documentation I had requested several times and still requesting. I mailed this letter certified on XX/XX/XXXX. I called on XX/XX/XXXX and spoke to a supervisor, XXXX XXXX XXXX. he stated they 'd sent a bill and that 's all they could provide and to contact the service provider. As of this date, XX/XX/XXXX I have yet to receive any further written correspondence. Representatives from this company call at least 5 times monthly yet no one has provided anything I have requested thus far and these items remain on my credit. I have also disputed these items with XXXX, XXXX and XXXX, all still remain.
Consumer complaint received 2017-07-30
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)

The following accounts are fraud and do n't belong to me. I have disputed with XXXX, XXXX XXXX & Experian a number of times and it comes back as verified. But XXXX ca n't prove how it 's being verified. I have asked for a sign contract a number of times and as of today I have n't received one. XXXX/ XXXX acct # XXXX this account is a result of fraud. XXXX XXXX acct # XXXX This account is a result of fraud.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/year> {$9100.00} Bank of America have decided to close my account with no reason and is holding my funds. I have not yet to receive my funds. I have been to multiple branches and have called them into customer service where theyre attitudes are not friendly, and they are not helping.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ASSOCIATED BANC-CORP (MN)

On XX/XX/XXXX, I opened a XXXX Associated Access Checking with Associated Bank. I Direct Deposited more than {$500.00} within 90 days of account opening and have held more than {$10000.00} for XXXX days after account opening. Having met those requirements, I expected a {$500.00} bonus by the end of XX/XX/XXXX. 

I had messaged the bank through their internal customer message system and was notified that I had previously been a customer with their bank. While this was true, nothing in the signup language indicates that the promotion was closed to former account holders. The only language on the signup page was : " Offer not available for customers who already have or have had an Associated Bank checking account within the last six months. '' My previously held account was closed XX/XX/XXXX ; more than 6 months before opening a new account. 

Given that terms were met on my end, but not on the bank 's end ; I am requesting {$500.00} immediately per the language in the terms when I signed up.
Consumer complaint received 2018-01-25
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: CORELOGIC INC (CA)

I never applied for an auto loan in XX/XX/XXXX .... 
I have never even heard of XXXX Please look into this and remove. 

XXXX Inquiry from XX/XX/XXXX - Misc. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2017-07-30
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: CITIBANK, N.A. (SC)

When I saw my billing statement, I was startled! My payment due was XXXX/XXXX/2017. The statement said my payment was paid on XXXX/XXXX/2017. On XXXX/XXXX/17 a late fee of {$39.00} was assessed.
The payment due date fluctuates by a few days with this credit card. I originally had my payments set up on auto bill pay. When this happened before I called and spoke with them to see why my payment had tripled. I was told that I needed to set my account up with auto pay through their auto billing. They mailed me the paperwork to fill out and I sent it back so that my payments would come out automatically. Once again I was charged a late fee and my payment went up.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Portfolio Recovery is reporting a debt on my credit file and it must be removed. I recently checked my credit and noticed this debt reporting. I called immediately and settled this debt with them. I however, never received any letters, notices, or calls regarding this debt. This violates my 30 day right to dispute and it must be removed. Not only that, according to your company 's policy you delete accounts from collections after being settled. Please send a deletion letter accordingly.
Consumer complaint received 2015-10-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SECURITY FINANCE CORP (TX)

They keep harrasing me at work, going XXXX to XXXX times a day, when they see im really busy with my customers. 
They will disclose my personal information in front of my customers and also blow up my phone at work. 
I already told them that i am going through a tough situation, i will pay once i settle down. Right now i have no money and my debt is only like XXXX dollarsThey threatened to call my supervisor from corporate and disclose my personal information with them. 
I have called the cops on them, so they can stop going to my job
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I scheduled payments to my Bank of America credit card and when the bank tried to pull, they said there were insufficient funds. Yesterday on XX/XX/24, they took {$800.00} from my new account that I use for my inventory and paid it to the credit card account, which was not due until XXXX. They did not take the past due balance, they took past due and current 3 weeks before it was due. When I called yesterday, they told me they would refund me and then today, they told me they won't, due to right of offset. From my research, offset payments are only valid on auto or mortgage loans, not credit cards. I need that {$800.00} back immediately.
Consumer complaint received 2021-06-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I called in to dispute items on my credit report and for over a year now the dispute portal hasn't been available or working for consumers to dispute items they will not mail out dispute forms talked to an representative to apply the dispute for me but my credit file has no credit report number therefore there telling me they can not retrieve my information this is unacceptable.
Consumer complaint received 2017-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I have an account with  PayPal  that has been locked because of a dispute for faulty merchandise. I followed all the  PayPal  steps to unlock the account to include sending a copy of my government issued  XXXX  card. Now PayPal is saying that is not good enough. PayPal wants me to send a copy of my  XXXX  card statement with the full account number. ( For security reasons the  XXXX  card statements do not include the full account number  XXXX  PayPal also wants a copy of my drivers license. They claim the  XXXX  card is not a valid government ID. Plus they want me to fax it to  XXXX .     I have spoke with  XXXX  card who advise for security reason not to send such information.     My concern is they will hack my account and steal my identity.
Consumer complaint received 2022-01-06
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 (AZ)

My bank account at XXXX XXXX was hacked leaving me with no money, I told XXXX XXXX they reversed the charge I had to get a new account and checking number. I called every credit card I had to update the information, XXXX & XXXX I was hit with a derogatory mark no one attempted to reach out to me then I got another missed payment in XXXX I have never missed a payment prior to this, I only found out any of this because of XXXX XXXX
Consumer complaint received 2020-10-09
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. (TX)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX XXXX XXXX