davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I am being sued by  XXXX   XXXX   XXXX  for a time-barred debt in the amount of {$4100.00}. They have filed a lawsuit in  XXXX   XXXX  TX case #  XXXX . I was never notified by them that they were filing a lawsuit. They are also reporting this time-barred debt to  XXXX . This debt was charged off by  OneMain Financial i n  XXXX    XXXX  .
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (MS)

Incorrect foreclosure reporting dates, and incorrect reporting of a late payment on an account that does not belong to me, Carrington mortgage services llc reporting to credit bureau, that I was late on a mortgage payment in XXXX, for a property I have'nt owned since XXXX, error still comming up on credit report in XXXX, I have the sheriff sale document, dated XX/XX/XXXX proof that, I could not have owned the property in XXXX, or XXXX, nor could I have been late on a property that idont own, when I contacted them about the issue they said there was nothing that they could do
Consumer complaint received 2016-09-25
Product: Credit card — 
Issue: Privacy — 
Company: AMERICAN EXPRESS COMPANY (FL)

American Express provides all my private information to another individual which they have used to jeopardize my business relationships and possibly cost me a large contract. 
Twice in the last month, the past time on XXXX XXXX at approx. XXXX. An American Express collections representative called a public business line and provided much of my private information to a co-worker. The last breach which took place by a female representative name, XXXX. She never verified personal information to confirm who she was speaking with. This also happened in an earlier phone call in XXXX, 2016. The American Express representative provided my private Checking account information used to pay this American Express card. They also provided the following. 
- previous payments made -Last several charges - Payments that were returned - locations of many of my charges - Status of my American Express card - Spending habits _ provided my balance of {$27000.00} -provided the amount of time I was late - And MOST DISTURBING : the American Express representative initiated a large payment from My XXXX XXXX XXXX checking account of over {$6000.00} without my consent. 
I strongly urge you to listen to the taped records, particularly the XXXX on XXXX XXXX at approx. XXXX. 
This ex-co-worker informed others of my private issue with American Express which has found its way to current business dealings and cost my hundreds of thousands of dollars. 
I can prove without doubt the individual American Express spoke with on with occasions was not me. Please make sure the tapes are secured.
Consumer complaint received 2022-09-04
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 (MO)

This is the second time I had to do this with XXXX XXXX XXXX XXXX XXXX just sold old information to another credit collection agency which is called Portfolio Recovery Association this summer. I was unaware of this until I got a notification from XXXX. This resulted a decrease in my credit score AGAIN by XXXX points on XXXX. I filed numerous disputes a few years ago and finally it was taken care of and removed from my credit report. XXXX XXXX even sent me a letter they were going to remove it last time after speaking with them on the phone also verifying I had a XXXX balance. The following attachments show disputed results from last time. 

I want this removed from my credit report again, all of them because I am at a XXXX balance and I havent used this card in 3 years. If there is anything reflecting a balance it is not me. It is fraud.
Consumer complaint received 2020-01-19
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$22000.00}, {$42000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Consumer complaint received 2016-09-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMERICAN EXPRESS COMPANY (VA)

I am currently in the process of settling my credit card debt with multiple creditors through XXXX XXXX. American Express has begun to call my friends and family asking to get in contact with me. I realize this is legal, but American Express has called my sister ( who is not a consigner of American Express ) twice and has disclosed that this regarding past due debt. Given this illegal tactic, XXXX recommended I reach out to you to submit a complaint. I am hoping you can help given they 've called more than once to the same person and disclosed my debt.
Consumer complaint received 2016-01-04
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

Carrington Mortgage states they paid our taxes in our escrow like it was set up, but they did not do so. The money was removed and never given to the tax office to pay our XXXX tax office. We have traced them back to taking the money and never writing a check through their tax office. We have a man named XXXX XXXX who told XXXX never received the funds to begin with and that is why it did n't get paid. These are our fall taxes!!! They continue to tell us they are going to handle our dispute since XXXX/XXXX/XXXX and as of today has again told us it would be resolved by XXXX/XXXX/XXXX. The office talks over us and we can not get a manager or supervisor due to the person always stating " we ca n't do that '' and when we want them to find the money with our parcel number they state " they ca n't do that for us becausewe are in a dispute. '' We would like to have the theft of our tax money from our eacrow resolved. We had our escrow put in the negative by {$4.00} immediately upon this company taking over our mortgage and them taking our house payment up {$50.00} after it switched from XXXX. We are having this company steal our money and refuse to right!
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM XXXX XXXX A NATURAL-BORN PERSON. " In light of recent investigations brought upon XXXX, I find that my consumer file is being irresponsibly tampered with. Over the past 3 months, I have made several attempts to remind XXXX and TRANSUNION of their duty pursuant to 15 USC 1681. It appears that XXXX is intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, and promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A5 ) says that after the reinvestigation ... .... all of the unverified information must promptly be removed. They can see in their system that this account was previously disputed without being verified. XXXX AND TransUnion have violated my right to privacy I NEVER GAVE THEM Permissible purpose to Furnish any information on my behalf. under 15 USC 1681 ( a3 ) .They assumed this role without permission. They did not have my consent. They do not respect my right to privacy which is under 15 USC 1681 ( a4 ). The accounts being disputed are XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Accounts disputed with Transunion are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2016-10-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (VA)

I first requested a Loan Modification Packet from Ditech Financial on XXXX/XXXX/2016 which I never received. I have never missed any other correspondence from Ditech. After calls to the service center, I was instructed to download documents from the website and given a list of other documentation to upload or send into the company. I sent in everything as requested. On XXXX/XXXX/2016 I called XXXX back and was told my application was not complete and additional items were required. I sent in much of the same information again. Since that time I have called multiple times to check the status and every time I get the same story- something is missing from my file/I need to send something else in before the modification can be reviewed. 2 weeks ago, I was told all my modification paperwork had been received and that they would begin reviewing the file. Oddly, the Supervisor came on the phone line to clarify why I needed a modification and discouraged me from proceeding until I explained I had a XXXX. I guess fear of discrimination made her back off. 
Yesterday I called to check the status of my Modification requests and was told that the underwriter assigned to my file was no longer with the company ( which was untrue ), and that my applications was not complete. Ditech had lost a document I sent in TWICE before, and stated this is the reason I have not been reviewed for modification. I 've been asked to send in the non-borrower 's credit form XXXX different ways. My tax forms were sent in twice with my signature page a XXXX time. CS representatives actually instructed me to " just XXXX '' forms I could n't find on the Ditech website. One XXXX instructed me to download and send in a form that had another bank 's name inscribed. 
In another phone call yesterday, I requested a copy of my consumer rights and was told that no such thing existed. A supervisor said something to the affect that maybe I was referring to CFPB but they did n't have to provide copies. 
At this point I feel that my modification request is being intentionally blocked. The requests for multiple resubmissions of paperwork is nothing short of harassment. If this is the improved XXXX Ditech is supposed to be providing as a result of the Greentree settlement they are failing terribly. CFPB needs to stop Ditech. This site is full of stories just like mine.
Consumer complaint received 2022-02-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have filed a dispute regarding a scam on my credit card. This scam amount of for {$1500.00}. Bank of America responded and CFPB closed the dispute, but Bank of America openly lied in their response to my complaint. Bank of America has NEVER given a reason for their denial of my fraud claim. They claim it is because it was a XXXX transaction, BUT they have reimbursed other XXXX scam. See news link below. This opens up the opportunity for discrimination between consumers as Bank of America is not providing a standard of who they are repaying and why. 

A bank should not be able to blatantly lie, and have those lies just be excepted as fact. As a consumer who has to use banks in a world where we are forced to be cash free it is important that banks be held accountable for their behavior and that they not be able to just lie and then have those lies be taken as fact. 

Bank of America claimed in their response CFPB that they investigated my complaint. This was impossible. They did not take ANY of the information or documentation at the time of the complaint. I offered it to them TWICE. They did not take it telling me I was out of luck any way. 

They also only called me ONCE and left a message late a night with a number and extension. I called this extension and left a message 20 times. Bank of America NEVER called me back.

Bank of American DID NOT investigate this fraud. THEY HAVE NEVER SPOKEN TO ME ABOUT SINCE I FILED THE COMPLAINT. THEY HAVE NEVER ACQUIRED THE INFORMATION FOR THE FRAUD FROM ME DIRECTLY. 

They also NEVER provided the reason they declined to reimburse my fraud claim but did reimburse other people in the same situation 's fraud claims. See news article which clearly shows Bank of America reimbursed other people in my situation, but refuse to state why they are not refunding my transaction. 

XXXX  : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXXXXXX XXXX XXXX XXXX XXXX XXXX % XXXX % XXXX.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: U.S. BANCORP (CA)

went to US Bank XXXX XXXX XXXX, XXXX XXXX CA XXXX Teller can't do cash advance on direct benefits card. 
She stated " machine broken '' This is not acceptable.
Consumer complaint received 2016-05-31
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CMK Investments Inc (IL)

I took out a loan with All Credit lenders in XXXX, Illinois XX/XX/XXXX or XX/XX/2015.They are taking {$50.00} out of bank account every XXXX weeks. The loan was for {$300.00}. I have never received any statements.I have asked to be mailed to me or emailed. The email they gave me to read my statements did n't seem like a legit The account was down to {$190.00} after I complained about the excessive charges. they claimed it was do to a computer glitch. Now the account is back up to {$230.00} the company states I did not come in XX/XX/XXXX or authorize for them to take it out of my bank account in. This is not true. I asked that a manager phone me. I have not received a call. For a {$300.00} dollar loan I feel I have paid over the amount of fees and charges. They harass me for the payment prior to the payment date. However, I can not get cooperation why my loan never seems to be going down. Please help me. All Credit lenders XXXX XXXX XXXX XXXX XXXX XXXX. Thank You in advance.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

On XXXX I deposited a check for {$3900.00} through Chase XXXX XXXX from an XXXX XXXX Campaign for XXXX XXXX XXXX, so I thought , but apparently it was a scam. The check cleared but then they had a hold on the check processing but the funds was not removed. It was confusing so I called the bank XXXX and talked to 2 representatives. The 1st said she believed something was wrong with the check and that it should clear by XXXX but she wasn't sure, so she transferred me to the deposit department which would have more information about the check since they handled it. I talked to a rep in the Deposit Dept. He told me that the check was good and the funds were available. I asked about the hold and he told me that I shouldn't worry about it and that it should fall off, but I was good to go to spend the funding. I confirmed 3 times with him before I hung up that it was okay to spend the money and he said yes. So the instructions for the campaign was to transfer {$2000.00} XXXX to a XXXX XXXX at XXXX XXXX XXXX and {$1200.00} through XXXX XXXX $ XXXX to pay for the wrapping on the vehicle. I was given an appointment for XXXX at XXXX. The next day my account was negative and the hold was legit. I called the bank XXXX informing that the rep in the deposit department gave me the okay and had he not, I would have held out in spending the cleared deposit until whatever investigation they were doing on the check had cleared. I had did my due diligence in checking beforehand, but apparently they did not do theirs which caused me to issue out {$3200.00} of which I did not have. And all they could do was apologize for the reps misguided information. I called back XXXX to contest again to see if I could be covered for the transactions since technically it was their fault and repercussions should be done. They said they might be able to do something about the XXXX XXXX payment of {$1200.00} since I was schedule to have my car wrap and it didn't happen so it was services un-rendered, however they could not do anything about the XXXX payment of {$2000.00} and I would have to go through XXXX to contest, so I filed a scam report with XXXX and have not heard back from them as of yet.
Consumer complaint received 2020-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2020 I sent a wire to an account holder at TD bank I have sent a similar wire to TD bank using the identical information on 10 other occasions without any incident. 

On XX/XX/2020 TD bank sent a return wire to me of the original amount less a {$40.00} fee When I inquired as to why my wire was not accepted, TD bank would not assist. They would not even investigate my concern. 

When I inquired why TD bank charged a fee on my wire they acknowledged they likely charged a fee but refused to advise why. The {$40.00} fee was charged by TD bank and not my bank. 

When I asked for this to be escalated to a manager, the online phone representative who would only identify herself as " XXXX '' refused to escalate this. When requested, she would not provide any other identifying information about her name or the call number. " XXXX '' did state she checked with her supervisor who refused to get on the phone but directed my to a local branch to log a complaint when I expressed my concern about being sent to a branch in the midst of Covid-19, XXXX expressed indifference and again refused to assist in any way
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (ME)

I have XXXX violations from Ocwen Loan Servicing, first is a violation of the FDCPA in over contacting me ( 5 times in a 7 day period ) and I have been lied to when requesting to be able to pay my own homeoweners insurance and removing it from my escrow payment. 
Third, I have been viloated in my privacy under Graham Leach Bliley Act, when Ocwen without my permission contacted my insurance company and conducted business without my expressed written or verbal consent
Consumer complaint received 2022-08-09
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. (TX)

I have spoken to reps at the 3 major credit reporting agencies regarding my consumer file and the access I want them to have. Each one has told me they will NOT be removing the negative items I requested. I have sent notices via certified mail DEMANDING the changes be updated to no avail. Within the " fine print '' of all of these companies they state they will not furnish personal information without the consumers consent yet, they continue to do so. Per 15 USC 1681e ( b ) only I, the consumer, can verify what information should be on my consumer report. 

In light of the recent and ongoing lawsuits with these companies I DEMAND all requests be adhered to quickly and without continuous verbal assault from them. This is causing XXXX  anguish and XXXX  due to how I am being perceived due to these negative items.
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT.

I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

I have a credit card with Citi bank Simplicity card. On XX/XX/XXXX my mom lost her card which is the same number as mine, after she paid her XXXX center. Then after i went online and place a hold on my account so no charges could be put through, I find out there are XXXX in additional charges on the account. I ask them what it is, and the first charge is for XXXX which was for a charge for something that i did not receive that was cancelled. When i called Citi bank they made me hold for 54 min, and continue to disconnect the call, and then lied to me and told me prior to that the charge went through on XX/XX/XXXX when i have proof it was charged on XX/XX/XXXX after the lock date on my chard. now i have an additional XXXX of charges on the card which they still keep avoiding on explaining what the charges are, and keep passing me around.
Consumer complaint received 2022-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (DC)

AES continues to charge me late fees. I reached out and was told someone would follow up. Of course, that never happened and now I've been charged another late fee. I refuse to pay any late fees because AES refuses to follow up with me as promised. I've been paying on this loan for over XXXX years and have never had an issue with AES before now.
Consumer complaint received 2020-11-02
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: EQUIFAX, INC. (CA)

I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible.