davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to bring to your attention an issue that I have been experiencing with XXXX, TransUnion, and XXXX. Despite filing a complaint with the Federal Trade Commission ( FTC ) regarding fraudulent activity on my credit report, these credit agencies have refused to delete and block the fraudulent activity from my report. I have worked diligently to protect my credit report by reporting the fraud to the appropriate authorities and filing a complaint with the FTC. However, I have been
met with resistance from XXXX, TransUnion, and XXXX when it comes to removing the fraudulent activity from my credit report. I have provided them with ample evidence of the fraud, including police reports and other documentation, but they have not taken any action to delete or block the fraudulent information.

This situation has caused a great deal of stress and XXXX  for me. The fraudulent activity on my credit report has impacted my ability to secure loans, cre
dit, and even employment. It is my understanding that these credit agencies have a responsibility to accurately report credit information, and this includes removing fraudulent activity from credit reports.

I request that you investigate this matter and take the appropriate steps to ensure that XXXX, TransUnion, and XXXX are held accountable for their actions. I would like for them to delete and block the fraudulent activity on my credit report, along with any negative marks that may have been associated with it. Additionally, I would like for them to provide me with a written explanation of their actions regarding my credit report.

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX lll
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (NY)

I am filing for a loan modification through the program harp set by the government because i am behind my mortgage payment with Ocwen mortgage servicing, llc, and the relationship manager for my case have encouraged me to do so since the principal amount and interest have been accumulated to {$21000.00} u.s and the bank will not consider a deffered mortgage payment. However, i need help to obtain the modification with OCWEN mortgage, because all papers ' work has been filed and sent to the bank three months ago. But the bank consumer department issued a relationship manager to help with each case.However, this relationship manager by the name XXXX XXXX working for the bank has developed a tactic to prolong the papers'work by extending the scheduled appointment each time for next month under the pretext that my papers works or documents are not completed so that the principal amount for the mortgage will be accumulated every month and the interest accrued before sending my application for loan modification to proper authority or government agency for practical review. I inquire and suggest a torough investigation to be conducted by the consumer finance department about my loan modification application for my property and the time consuming to obtain my approval and all the papers works which were provided to them along with my application. 
. 
In the hope to hear from you ... .. i salute you in the three points of the triangle..
Consumer complaint received 2024-05-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: VW Credit, Inc (CA)

On XX/XX/XXXX I went to Volkswagen XXXX XXXX to buy new XXXX XXXX in order to trade my XXXX XXXX based on their website estimate of $ XXXX to trade. I asked several times to trade my car with this number and XXXX and XXXX kept saying thats just internet estimate and the number is not real and just their website example. I asked numerous times to get closer to XXXX but they low balled me to {$13000.00} saying that price is that is worth for my car and that is what they trade it for. The finance manager just said that was the price too even I said it was worth $ XXXX based on their website calculations and other dealerships. On top of that it was late Saturday night at XXXX and I was tired and hungry the finance manager kept saying that warranty was needed after 3 years and that was what purchased normally. I felt pressured to buy the warranty and he said he added for free paint warranty when in fact I did not get it for free because he added it the warranty to look like I got it for free. XXXX XXXX tricked me in getting the warranty because paint was free added. He lied about that too. They lied other websites are calculating a trade worth of $ XXXX. A few days later I find out exactly from their website that they are reselling my car for $ XXXX. I called today XXXX to tell them they lied to me on giving false information that my car was worth {$13000.00} when they are reselling it for $ XXXX. I asked them to refund me the difference of trade that I should have been made to trade. The difference is {$3700.00} refunded back to me. I also said I can sell it somewhere else but they wanted to work with me and negotiated only {$250.00} more for the trade and said they would not be able to trade at $ XXXX. That is exactly a lie since they did put the worth of the car over $ XXXX. I want to get a refund for the trade difference. 
Please call me instead as it is not well written to explain my experience. 
Thank you, XXXX XXXX
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (WA)

Got behind in our payments, Owcen offered to do a loan modification under HAMP, but would not disclose the terms until we signed the paperwork. We did not actual fill out an application, only the form that says we are not trying to defraud the government. Received the loan modification papers today, and they did lower payment from XXXX to XXXX and also lowered rate from 8.5 to 5.0 on our {$120000.00} mortgage ( our home is worth about {$300000.00} ). They included a BALLOON payment at the 214 months end of the loan term for {$90000.00} which means we are really refinancing {$120000.00} + {$90000.00}.. This seems outrageous and should be illegal if it is not, especially using GOVERNMENT FUNDS to finance this loan. Please investigate!!!!.
Consumer complaint received 2016-06-03
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (MO)

I want to payoff this loan with the {$530000.00} paid to first XXXX and the {$70000.00} paid to XXXX or the {$140000.00} paid to XXXX and {$150000.00} paid to XXXX mortgage or the {$350000.00} to Indymac or the {$200000.00} to XXXX XXXX or {$70000.00} to XXXX ... ... I want an investigation. 
CFPB has my bank statements and multiple documents why they wo n't release a {$260000.00} I do n't owe and who and why are they paying discharged unsecured debt
Consumer complaint received 2017-04-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bridgecrest Acceptance Corporation (AZ)

Bridgecrest called m y cellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and   left a message.
Bridgecrest called my c  ellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.    Bridgecrest called  my cellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.    Bridgecrest called my cellp hone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.    Bridgecrest called  my cellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.     I have the messages saved on my cellphone. None of the messages were for me.
Consumer complaint received 2015-10-03
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (IN)

First it should be known that I 've never been late on a car payment, credit card, mortgage or any other bill in my entire life. Chase Bank conducted a surreptitious and unsolicited review of my credit without my permission subsequently reducing Credit lines on several of my Chase credit cards so the ratio of debt to available credit skyrocketed. As a result of this action by Chase bank my credit score plummeted, other banks followed with similar action reducing credit lines and I consider this to be defamation of credit. This is a terrible injustice to me as a consumer and as an American who takes pride in never having been late or behind on any of his bills. I feel this action was taken to try to recover some of the monies paid in fines by Chase to the federal government for other unfair business practices in their organization. I feel I have been unfairly targeted.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MA)

For months asked Venmo for my virtual currency. 
Venmo will not release the funds. 
I submitted a complain to consumer finance dot gov. 
IMO, as result of submitting a complaint to you this week, today Venmo restricted my access further. 
I feel embarrassed as a customer and bullied.
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2015-06-02
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX I responded to a XXXX vacation rental listing XXXX # XXXX XXXX for a townhouse located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, FL asking if this property was available for rent for XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX responded by email indicating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL was available for rent for the XX/XX/XXXX period for a monthly rental of {$2000.00} plus a {$500.00} security deposit and a {$250.00} cleaning fee. Payment of these funds was to be made via bank deposit, XXXX or XXXX. 

On XX/XX/XXXX, XXXX XXXX emailed to me a rental agreement form and instructions for the transfer of funds. Funds were to be transferred to a Bank of America account of XXXX XXXX wife - XXXX XXXX. The account # is XXXX and the routing # is XXXX. The bank is located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. 

On XX/XX/XXXX, I completed and signed the rental agreement and faxed it back to XXXX XXXX XXXX XXXX # XXXX ) and transferred {$2700.00} to XXXX XXXX XXXX wife 's bank account, On XX/XX/XXXX, XXXX XXXX confirmed via text, the receipt of the full amount of {$2700.00}. 

I became concerned about internet scams involving vacation rentals and on XX/XX/XXXX I was able to retrieve from the XXXX XXXX Florida public data base a copy of the Warranty Deed for XXXX XXXX. The Warranty Deed indicated that XXXX XXXX XXXX is not the owner of XXXX XXXX and therefore has fraudulently listed this property for rent. 
Subsequently, I spoke directly with the property owner and he confirms that his property is not available for rent. 

I have telephone, emailed and texted XXXX XXXX indicating that I wished to cancel the rental reservation and requested that my deposit money be returned. XXXX XXXX has not responded to repeated attempts to contact him nor has the deposit money been returned. 

Bank of America confirms that XXXX XXXX XXXX bank account has been closed and after contacting XXXX XXXX they indicate that XXXX refuses to authorize the transfer ofdeposit funds back to my account.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc. (NY)

Contacted this company not only requesting my Consumer report, but also requested this company to place a freeze on my file to which I sent them in my Pennsylvania identification card and my electric bill as proof of identity and address. I received a response stating I need to sent in documentation to proof identity and address to which I already sent the requested information in. This company is using Deceptive practices to Circumvent the law and consumers rights under the FCRA such as the right to know whats on your report and the right to dispute inaccurate and incorrect information if it exist.
Consumer complaint received 2024-05-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Self Financial Inc. (TX)

Good afternoon, I am posting this about a loan that I never received and that they never gave me and that I am supposedly having to pay for it. How is it possible that I have been paying a loan that they never gave me and that I never receive. That is why I demand the immediate return of the payments I made as well as the repair of my credit immediately. Here I leave the loan that according to them they gave me that I made the payments on the fraudulent credit that they never gave me and that damaging my credit and demanding payments from me. I want my money and they do not have the information or the Page itself, everything is very impossible to claim both online and by phone. It is a fraud promising things that it will never deliver and that is stealing and demanding payments. So I suggest that they be investigated because I must not be the only one. so I want my money now.
Consumer complaint received 2015-10-29
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (LA)

RushCard has been having system issues since XXXX/XXXX/2015, I had lost my card on the XXXX and blocked it. I called in a day or 2 later to have it unblocked and the representative said it would be active in XXXX hours which would have been Monday around XXXX CST. My card was still not active as of Wed so I called back when I was informed that they were unable to access their system to reactivate my card or remove block. Today is XXXX/XXXX/2015 I have calle dalmost every other day and I still have no access to my funds. I had to move out of my apartment with my XXXX children, I am unable to buy food to feed my family, I am unable to pay my car note or have my transmission fixed that has been broken since last month. I have no money and although family has been helping a little, they have their own families and bills they are responsible for. I do n't have any money, I had to change my kids school because I moved and almost lost my job because of days I missed and came in late. My job will not issue me paper check from check received on XXXX/XXXX/2015 because the funds were not sent back to them so I now have no way to get my check that was direct deposited a week ago. I can not purchase food, winter uniforms for my kids, pay my car note or pay for a taxi to get to and from work, find another place to live because I will have a non payment eviction and it will be hard to find another apartment for my family to live in with an eviction.
Consumer complaint received 2015-08-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

In XXXX 2015 I applied for a mortgage with Carrington Mortgage. I had an accepted offer on a house and the deal fell through because Carrington did not act in a professional manner and continue to act in an unprofessional manner. Recently I was asked for the same information only to be told that I MUST provide pays tubs although I am self-employed. I know that that is untrue. I feel as though I am being discriminated against.
Consumer complaint received 2015-10-28
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CAVALRY INVESTMENTS, LLC (PA)

after being catastrophically injured almost XXXX yrs ago my husband is completely XXXX, he spent 67 days in the hosp. and 32 days of that in a coma, 2 yrs ago Cavalry spv 1 llc sued him [ g e money bank original credit card ] we explained how we now live off of ssd and XXXX ins. they of course did not care, The other day, we received in the mail a writ of execution on our savings ..it was frozen..we have a total of XXXX in the account. These people are threatening to send the sheriff to come and walk through our home and take inventory of our belongings. The total they say we owe is XXXX ... it may as well be XXXX XXXX. they are constantly harassing my ill husband. we live in XXXX is there anything I can do. thankyou,
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America did not complete my modification on the date as promised. XXXX of all, it took them almost a YEAR to complete it and then they closed it XXXX months later which impacted my Chapter XXXX filing, therefore showing us XXXX months past due. This was in XX/XX/XXXX. In addition to this, when our new mortgage company, XXXX XXXX, bought the loan from BOA in XX/XX/XXXX ; they showed us behind by XXXX years because BOA has n't been crediting our payments correctly!!! I ca n't get BOA to speak to me now to figure where my payments have went and I need to get this mess fixed!!
Consumer complaint received 2015-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eastern Account Systems of Connecticut, Inc. (IL)

On XX/XX/XXXX, I pulled a recent credit report to review my credit because I 'm in the process of establishing a business and I need to apply for a line of credit. I noticed there was a Collection entry by Eastern Account System that totally alarmed me. I was never notified that is account when it was added to my credit report in XX/XX/XXXX. My rights under the Fair Credit Reporting Act were violated because I would have disputed first this. I recently sent a dispute to all XXXX credit reporting agencies and of course it came back verified. How could this be? I 've been working extremely hard to maintain my credit report, and I would have addressed this immediately. And not to mention that I still have XXXX services and I have had services for years. Eastern Account Systems derogatory marks on my credit reports are preventing me from establishing a business line of credit and becoming a business owner. I had no knowledge of this account until recently and it ' does belong me.
Consumer complaint received 2015-11-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Between XX/XX/XXXX, I opened Personal and Business Checking and Savings Accounts at Bank Of America. 
The accounts were fairly active. XX/XX/XXXX Bank of America 's early warning department flagged my account for insufficient funds and closed my accounts, requiring that I pay my the NSF 's and bring my account current before the accounts can be reopened. I subsequently paid all those accounts and requested that those accounts be reopened. 
Bank of America reviewed the accounts and claimed they will never open any account in my name ever again, on the assumption of illegal operation. Since their was neither an investigation or proof of any illegal activity or any intent to be fraudulent, I want to know if Bank of america or any bank can arbitrarily refuse an american citizen or a us resident access to banking services.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

EXPERIAN REPORTING HAS VIOLATED THE LAW AND REFUSED TO GIVE CREDIT REPORTS ETC. THEY WILL TAKE YOUR MONEY BUT WILL NOT COMPLY WITH CFPB RULES. THEY ARE A FRAUDLENT COMPANY.
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Transaction issue — 
Company: BBVA FINANCIAL CORPORATION (CO)

Compass Bank took {$7500.00} UNAUTHORIZED out of my XXXX XXXX checking account on XXXX XXXX, 2017 to pay towards my Compass bank Credit card which had a XXXX balance. I paid it off on XXXX XXXX, 2017. I have contacted them 4 times, each time being told it would take anywhere from 3-10 business days to give it back to me. They refused to give me a cash advance without interest or fee to cover it. This was asked for by a banker from a branch I went into yesterday. That is a LOT of money, and I need it back in my checking account. They basically stole it from me. They have acknowledged that is was unauthorized. HELP!!!
Consumer complaint received 2020-11-02
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. (VA)

On XX/XX/2020 Attorney, XXXX XXXX acting on my behalf wrote to the three credit reporting agencies to inform them that my credit report was inaccurate in that it stated that six credit accounts which were listed as being discharged in a Chapter XXXX bankruptcy were not in fact discharged as the bankruptcy was DISMISSED, not discharged and the accounts should not have been listed as discharged. The credit reporting agencies " investigated '' and continue to list the Dismissed bankruptcy case as discharging the six accounts. 
XXXX XXXX, a Virginia attorney is assisting me with this now.
Consumer complaint received 2016-01-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (OH)

Lost one Receipt for $ XXXX purchased XXXX Cashier 's Checks by cash refused to be cashed with myself as remitter with receipts from PNC Bank . I like the money back. My name is XXXX XXXX Social Security Number XXXX at XXXX XXXX XXXX XXXX, Ohio XXXX XXXXXXXXXXXX.