davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: KEYCORP (WV)

I had funds from workforce wv sent to key bank a debit card was issued via key bank but do to my physical address being listed as my email address the card was never mailed and do to covid issues communication with wv workforce was limited so on XX/XX/XXXX a new card was sent to me and received and activated on XX/XX/XXXX an then I noticed that there was a negative balance XXXX and not the XXXX that is suppose to be so I contacted key bank an I was informed by XXXX of key bank on XX/XX/XXXX and my funds where sent to wv unclaimed funds so I contacted unclaimed funds wv spoke with XXXX an was told there are no funds in my name or the date of XX/XX/XXXX which is when key bank sent them.and no records for anything pertaining to my name, XX/XX/XXXX, and/or the amount of XXXX an was informed contact key bank again which I did on XX/XX/XXXX and got the same response again. So contacted unclaimed funds of wv an spoke to XXXX on XX/XX/XXXX with same response again and was suggested I call wv attorney general and I did so on XX/XX/XXXX spoke XXXX XXXX and was informed could not help me told to contact CFPB and now that bring to now.
Consumer complaint received 2024-08-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: States Resources Corp. (MS)

It is my understanding that XXXX XXXX purchased account XXXX from XXXXXXXX XXXX on XX/XX/XXXX. They were awarded a judgment against me XX/XX/XXXX in XXXX XXXX of XXXX XXXX, XXXX XXXX I have found that XXXX has a binding arbitration agreement. XXXX XXXX has committed breach of contract and unfair and deceptive debt practices. Also the date of this loan is XX/XX/XXXX. It is well beyond the statute of limitations for debt collection. Also, I was never served. My mother was harassed, and my credit was pulled without my permission. I have went to XXXXXXXX XXXX to verify the exact date the account was closed, charged off, and the date the last payment was made but received XXXX help. I do believe a lien was placed on my property.
Consumer complaint received 2021-06-29
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. (CA)

Transunion keeps violating my rights. I have severe XXXX and staff keeps hanging the phone up. I sent my documents over 25 times to fix my name.No one is hearing me out about my concerns.They keep sending responses back to cfpb saying they are not going to fix the problems. I am not getting any XXXX accommodations when I call which is a violation of the American XXXX act and staff is keep being rude. I asked so many times remove suffix sr from name.Transunion claiming that they never received my ID and SSN card even I submitted it through cfpb site over 20 times. 
I filed a civil lawsuit last week because of ongoing incidents I am having with Transunion.The name and inquiries are not mine. I dont know what else to do. I am hearing impaired they keep hanging up on me and being XXXX towards me.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

on XX/XX/2021 at XXXX hours I visited Bank Of America at XXXX XXXX XXXX XXXX XXXX Ma XXXX and inserted my credit card in the lobby ATM to make my credit card payment in full. I followed the prompts and inserted {$1000.00} cash, the ATM was processing my transaction and then gave the following message on the screen, We apologize for the inconvenience. We are unable to process your request and can not return your items. please contact our electronic claims team at XXXX XXXX XXXX XXXX to discuss this transaction, i called the number and was redirected several times before getting to the right agent. her name was XXXX, she opened a claim but could not tell me anything that was going to happen accept that it could take up to 2 billing cycles to resolve. 2 MONTHS!!! 
I told her this was unacceptable and that i wanted to speak to some at a higher level. She told me that was not possible that this was there process and that i would receive a letter in the mail. 
I contacted the bank the next day and spoke with XXXX XXXX bank manager. XXXX looked into my complaint and contacted me later that day to tell me that he could not get any information because the ATM is handled by a third party company and told me to contact the credit card company again. 
i contacted the credit card XXXX number and was told the same thing, there is nothing they can due for me and that it could take up to 2 months to resolve but the bill will have to be paid in full or i will accrue late fees and interest. mean while I'm out {$1000.00} This is an unacceptable response from a bank and no one will help me. 
PLEASE HELP!!!
Consumer complaint received 2022-09-12
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: ASPIRE FINANCIAL INC. (TX)

I contacted Texas Lending via their website to request their advertised Mortgage Pre-Qualification that they advertised as a soft credit pull that would not affect your score. The next day I got a credit alert that a hard credit pull had occurred, and it reduced my credit score. I investigated and found out that Texas Lending had done a hard credit pull without my consent. I tried several times to contact the agent who pulled my score, and she failed to respond. I finally was able to get a hold of her today, and she said that there was nothing she could do about it. 

The contact info for the agent is XXXX XXXX Mortgage Consultant XXXX Office : ( XXXX ) XXXX NMLS # XXXX
Consumer complaint received 2021-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (MS)

Franklin Collection XXXX added this debt to the credit unions which resulted in a XXXX deduction in credit score. I contacted the office that sent this to XXXX and advise them that I was charged and paid for what they asked for when I was in their office. This should have never been sent to the credit bureaus. The dentist office is XXXX XXXX XXXX, XXXX in XXXX, MS . They need to get into the habit of asking for the full amount if that is what they charge. I had no knowledge of this bill. I have since sent XXXX the payment requested.
Consumer complaint received 2021-06-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

Our mortgage was held by XXXX XXXX until XXXX of XXXX. In XXXX of XXXX, we requested relief due to COVID and XXXX XXXX gave us relief in the form of 3 monthly payments, covering XXXX, XXXX and XXXX of XXXX, that would be moved to the end of our loan. We owed {$1300.00} per month for those months which, again, were understood to be being moved to the end of our loan. We resumed paying XXXX XXXX in XX/XX/XXXX and didnt miss a payment until our loan was sold. 

Carrington Mortgage Services , LLC bought our loan from XXXX XXXX as a part of a disaster forbearance package. Carrington claimed we were delinquent for those 3 COVID months and owed all of it plus the month of XX/XX/XXXX, which was their first payment period as new owners of our loan. 

It took some time to get into contact with Carrington to find out what the issue was. We spoke to a woman named XXXX several times who told us not to pay the full amount owed on their website until we got to the bottom of things. Meanwhile, the letters from Carrington claiming we owe still more money for fees while the clock is now into the 3rd month without a result. 

We now owe $ XXXX+ for the original COVID forbearance and the 3 months since Carrington bought our mortgage and now Carringtons website wont even allow us to pay off the total, which were willing to do at this point.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PR)

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account i am asking you verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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 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 2021-06-29
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. (AL)

XX/XX/XXXX - The XX/XX/XXXX payment was reported as " late. '' This caused a 45-point decrease in my score in the MIDDLE OF MY HOME PURCHASE. Upgrade admitted fault ( after many, many calls and emails. ) The issue was corrected in about 10 days. This almost cost me my new home. 
XX/XX/XXXX - I paid off the loan in XX/XX/XXXX and on XX/XX/XXXX the same XX/XX/XXXX payment was reported as LATE. This caused a 40-point decrease in my scores. 
I just so happened to have purchased a new vehicle in the beginning of XXXX. Unbeknownst to me, the reason why I didn't get the preferred rate from my bank was because the late payment was already reported to the bureaus. I did not know this until after the fact and too late to discuss with my bank. None of this showed on my credit reporting apps prior to me purchasing my car ... .I would have waited. This is costing me thousands over the course of my loan. I should have a 3.3 % rate and had to accept a 5.25 % rate! 
I haven't missed ONE payment on ANYTHING in YEARS! 
I want compensated ... my bank XXXX XXXX XXXX will not refinance for at least a year. This has been a horrible experience and has caused me so much grief. NOT TO MENTION>>.. NO ONE at Upgrade will ever call me back!! I have had to call them SIX Times! I got the attached email that it can take 60 days for this to be corrected ... I may need to help my parents with a big purchase very soon ... I can't if my scores are not corrected! 
Please HELP!
Consumer complaint received 2021-06-29
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: Experian Information Solutions Inc. (PA)

Inquire accounts that not a obligation of mines appears on my credit report 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IN)

This complaint is on PHH Mortgage, XXXX. XXXX  XXXX XXXX, OH XXXX, XXXX My husband and I bought our home with XXXX XXXX in XX/XX/XXXX of XXXX. 
The initial flood map was looked at by XXXX XXXX and deemed in the flood zone, after our loan officer and our realtor pushed back on the first determination, we were then granted a Standard Flood Hazard Determination Form ( SFHDF ) from the Department of Homeland Security Federal Emergency Management Agency that stated our home was not in a special flood hazard area. It was dated XX/XX/XXXX and was prepared by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 
We did not purchase flood insurance and we did not have to obtain flood insurance per the terms of our loan that we closed with XXXX XXXX 
Our mortgage was then sold to PHH Mortgage. In XXXX and XXXX we received letters from PHH that stated we needed to provide flood insurance, or that is was required on our property. If we did not provide proof of flood insurance, PHH would obtain coverage on our behalf and add it to the terms of our loan, without our consent or signatures. 
We emailed a copy of the SFHDF to PHH, we sent a copy of the SFHDF via USPS mail as well as uploaded a copy of the SFHDF to their website. None of these copies were acknowledged or replied to by PHH. Mind you, they also have this documentation with our mortgage documents when they purchased our loan from XXXX XXXX. 
At this point, we have exhausted talking to or emailing PHH Insurance Department and we are completely flabbergasted that while we were not required to have flood insurance on our home in order to purchase and sign the mortgage with out possessing flood insurance, and we have a SFHDF that has been officially determined that we are not in the flood zone, then loan was then sold to PHH for servicing and they took it upon themselves to rewrite the terms of our loan.

From our research they are in violation of the Mortgage Regulation H because they are not accepting the previous flood determination from our original loan closed by XXXX XXXX, and they are also breaking the servicing laws by illegally changing the terms of our original loan.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (SC)

Customer service is the worst ever. I opened an account with CareCredit through my XXXX office. Who immediately charged my bill to them. I got a receipt with the last 4 digits of this new account. XXXX did not send me an email or anything with my account number and within an hour I tried to call and cancel. They did not want to speak to me without an account number. I spent the 2 hours trying to get through to customer service and when I finally did they said they would have to transferred me to another department only to wait yet again for an hour. Then when I did get through they said they couldn't send me an email either confirming my account existed or to cancel this account. Then I asked for the person name to write down along with the date I cancelled but they said they couldn't give me their name either. This smells like a scam to me. They did not want to give me any confirmation either on my newly opened account or on the cancellation of this account an hour later. I am still not sure what is going on and can't get any good answers.
Consumer complaint received 2022-07-15
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: Experian Information Solutions Inc. (CA)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, and XXXX XXXX  XXXX XXXX. XXXX Date XXXX XX/XX/XXXX XXXX {$0.00}.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00}
Consumer complaint received 2022-06-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (WI)

I was charged for an auto-debit amount that I never approved. The only amount that I ever agreed to was {$29.00} and Nelnet charged my account for {$320.00}. When I explained my extreme circumstances, I was met with just a refusal to refund the amount that was never approved by me. 

I was in a car accident and have been dealing with the consequences of that and Nelnet refused to work with me at all on this. They offered no way to return my funds, regardless of whether I approved the total or not. 

The original approved total would have been acceptable and this is just theft. 

They stole {$290.00} from my account.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

My Name Is XXXX XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/XXXX XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. The COLLECTIONS NAMES ARE XXXX XXXX  THE FIRST AMOUNT OF XXXX $ THE OTHER AMOUNT IS XXXX $ Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report