davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
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)

Upon Reviewing my Consumer Report, I noticed that late payments on an account that I have paid on time. Consumer reporting agencies play a crucial role in reporting this type of important information with the utmost accuracy. It is imperative that information must be reported accurately. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX ( acct # : ). I request an investigation into this discrepancies and urge you all to provide evidence, such as statements demonstrating the lateness of these late payments. If unable to provide proof, I demand that these payments to be updated immediately to reflect their true status as on-time.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As per the guidance from the consumer financial bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due toXXXX XXXX  XXXX XXXX, which falls under XXXX  according to XXXX 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (WI)

I submitted my Temporarily Expanded Public Service Loan Forgiveness application to Federal Student Aid on XX/XX/XXXX, more than a full calendar year ago. In XX/XX/XXXX I was notified by FSA that my loans and employer were eligible, and that MOHELA would be my new servicer to complete the public service loan forgiveness process. Not hearing anything from MOHELA for 4 months after that, in XX/XX/XXXX I called MOHELA and was told my case was " on the cusp '' of being resolved. In subsequent exchanges with MOHELA, they say that they have not yet received my loans. I emailed FSA to inquire about this twice, once on XX/XX/XXXX and again on XX/XX/XXXX. Both of those email inquiries remain in review. Meanwhile, in checking the MOHELA web site, I am unable to upload documents related to my case and I have received no direct answer to my emails informing MOHELA that their site contains this crucial glitch, making it impossible to submit updated documents electronically. I understand that there is a historic volume of loan forgiveness requests, but this has been going on for well over a year and at this point I dont even know the current status of my loans/TEPSLF application. I am anxious to get this resolved because every month this continues, I am docked another loan payment.
Consumer complaint received 2024-07-17
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, # XXXX and 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.
Consumer complaint received 2024-07-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

XXXX ) My online account access was shut down when I missed a payment in XX/XX/year>, meaning I could only make payments via mail, with no access or visibility into my account status, balance, etc. Over the course of the next 6 months, apparently one check bounced and another was never cashed. 

XXXX ) ( Biggest Complaint ) - The first time I received any notice was on XX/XX/XXXX... I came home from work at night and the notice said I had until XX/XX/XXXX to bring the account to current or it was going to be repossessed. So I had literally XXXX opportunity to bring the account current between the time I was notified and the time it was sent to the repo company. 

XXXX ) I called XXXX XXXX on XX/XX/XXXX and their phone lines were down all day, so I called Nissan several times and was told there was nothing they could do, and that I had to deal with XXXX  XXXX. I called multiple times and was disconnected/ hung up on, and unable to make any progress in between my work day. 

XXXX ) My car was taken at XXXX on XXXX and I am being told by Nissan the only way to get it back is to pay the full loan payoff amount ( ~ $ XXXX ). 

I just want my car back and to continue making payments.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (CA)

My mortgage was transferred from XXXX to Selene Finance somewhere around XX/XX/2024, which was the end of my forbearance period with XXXX. I did not receive any communications from either mortgage servicer until mid XX/XX/2024 regarding the transfer. I had applied with XXXX for mortgage restructuring in XXXXXXXX XXXX XXXX, and the application was in underwriting when the transfer happened. I did find out at a later date that the XXXX application was NOT sent to Selene Finance. 

I created an account on Selene Finance on XX/XX/2024. 

Once I created an account, I sought a way to communicate with someone and found only an email and phone number. An email garnered no response regarding my mortgage situation. 

I found a place on their website to apply for mortgage restructuring now that I was showing a balance of over $ XXXX because my forbearance from XXXX had ended. I was unable to make any payment less than the total amount outstanding. 

Upon attempting to call someone at Selene Finance, it took me several weeks to actually figure out how to get through to a human being in their phone tree. 

I did eventually speak to someone on XX/XX/2024 who told me that my mortgage restructuring application was under review and that a response would be supplied by XX/XX/2024. 

I did not receive a response via mail or email regarding the mortgage restructuring at any of the addresses or email addresses I supplied. I called Selene Finance again later in XXXX to get more information. I was told that there is a trial repayment structure in place for XXXX, XXXX and XX/XX/2024. This was also reflected in XXXX on my online account, with a new payment requirement of {$3200.00}. I requested that the documentation regarding the trial repayment be sent to me via email as well as by mail again. 

I have yet to receive anything regarding the mortgage trial restructuring nor the final restructuring plan, via email or mail. I do not know where I stand with Selene Finance, though I did make my first " XXXX XXXX  '' on XX/XX/2024. 

I need information in writing, email and mail. Not sending this documentation at all nor in a timely manner is in violation of Regulation X XXXX Loss mitigation procedures.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau the documents needed are the picture ID, a bill and letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, 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 have given you my identification as well as the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

unfortunately, I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

unfortunately, I am a victim of XXXX XXXX of XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ASSOCIATED BANC-CORP (IL)

Bank is stating we came in to close the account on XX/XX/XXXX, when we have signed documentation from XX/XX/XXXX to prove we actually closed the account that day. We were told we would receive a check by mail in 12-14 business days. When we did not receive the check and called the bank we were told there was a mix up with the addresses and we should be receiving the check soon. When we still did not receive the check, I called corporate customer service and was told a completely different story. That the bank had still needed documentation that my mother was deceased which I had with me in case it was needed back on XX/XX/XXXX. This highly suspicious to me and is quite alarming that at one institution I can close an account and receive the money belonging to the estate the same day and another bank will not release the funds that do not belong to them, for a month. The bank is called Associated Bank.
Consumer complaint received 2024-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (PA)

I started taking medication in early XXXX that was being prescribed by my XXXX XXXX at XXXX XXXX. When I needed to get my prescription reviewed, I was told I needed to make an appointment with my XXXX XXXX  I asked how much the appointment would cost, and I was directly told Out of pocket f/up video visit is {$70.00}. by a XXXX XXXX worker. I agreed to that price ( as can be seen by the attached screenshot ) and had the video call. The call lasted approximately 10 minutes and consisted of my XXXX XXXX asking me a few questions and me answering them. Nothing surprising happened over the call. After the video call, I was charged way more than the {$70.00} that I was told would be the cost. I reached out to the XXXX XXXX billing department multiple times to tell them that I only agreed to have the video call at a cost of {$70.00} and they refused to adjust my bill. The billing department even admitted that someone at XXXX XXXX made a mistake, but they still would not fix my bill. I eventually paid the {$70.00} and told the billing department that I was only paying this amount because I made the decision to have the video appointment based on the information that XXXX XXXX gave me. They accepted my {$70.00} payment. 

I continued to receive notices that XXXX XXXX was billing me for the additional ~ {$25.00} that I never agreed to before accepting their services. I continued to try and get XXXX XXXX to fix the billing issue but they would not do so. I spoke on the phone with someone from the XXXX XXXX team, who told me that she could not help me. My husband tried calling an escalation number and when no one answered, he left a voicemail, but no one called him back. I tried calling the phone number on the XXXX XXXX website for the location that I went to, but I was constantly told no one was able to help me. I even reached out to my XXXX XXXX asking her to get me into contact with someone from her office directly and she ignored my message. 

I have been trying to get this matter resolved for over a year, but XXXX XXXX is being unresponsive/unhelpful. The only reason I agreed to the video appointment is because I was directly told that my out of pocket cost would be {$70.00} by a XXXX XXXX employee. I never agreed to pay more than {$70.00} for the appointment. Since I have already paid the {$70.00} that I owe, I do not owe any more money for this appointment. 

I have now received a debt collection notice from a second debt collector. I sent a contestation letter on XX/XX/XXXX about this same debt and never heard anything back. Now, seven months later, I am receiving another notice about this debt, which I do not owe. Please see all attached relevant screenshots.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

unfortunately, I am a victim of XXXX XXXX XXXX XXXXXXXXXXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2022-09-29
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. (GA)

Since and XX/XX/XXXX and XX/XX/XXXX, I have not been getting the inaccuracies, incomplete, and misreported data corrected despite all the hard work of sending certified mail, losing time and money due to Transunion deliberate scheme to willful non-compliance. On XX/XX/XXXX Transunion received my certified mail with evidence of address, Unexpired GOVT ID and SSN Card by certified mail On XX/XX/XXXX, Transunion confirms receipt of all my documents to support my legal identity. Transunion is still not abiding by the laws of the FCRA by only responding the accounts reflecting derogatoriness are transferred with no further action from Transunion. I am asking for the CFPB to intervene due to the negligence of Transunion. XXXX shares the same data from the said furnishers as Transunion ; XXXX acted ethically and removed reaged student loans in question which would have been deleted in XX/XX/XXXX.
Consumer complaint received 2024-07-17
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. (IN)

I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above. 
If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. 
Please send me a written confirmation that you have complied with my requests. 
Your failure to comply with my requests within XXXX ( XXXX ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681 ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau the documents needed are the picture ID, a bill and letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX 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 have given you my identification as well as the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I am writing to express my deep dissatisfaction with the service I received today, XX/XX/year>, at XXXX AM, when I called the customer service number XXXX ( XXXX ) XXXX. I spoke with a representative who, after verifying my account information, informed me that my account could not be closed due to a balance of {$0.00}. 

I explained to him that withdrawing {$0.00} from an ATM is not possible, and the nearest branch is XXXX miles away from my residence. As I do not have a car, walking XXXX miles to withdraw such a minimal amount is unreasonable. Despite this, the representative insisted that my only options were to withdraw the money or visit the branch. 

I also mentioned the possibility of transferring the funds via XXXX, a service that is available on my account, but was told this option was not available on my account. Given my concerns about incurring unnecessary fees if my account remains open, I desperately requested alternative solutions. The representative made me wait for XXXX minutes before transferring me to his supervisor. After the lengthy wait, the supervisor echoed the same unhelpful stance and refused to close my account. 

This experience has left me feeling frustrated and undervalued as a customer. It is inconceivable to me that a bank would require a customer to go to such lengths to close an account with a negligible balance. This policy is not only impractical but also fails to consider the customer 's situation and needs. 

I am requesting that Fifth Third Bank closes my account immediately and waives any fees associated with this process. I urge you to review the call recording for verification of the conversation and the poor handling of my request.
Consumer complaint received 2024-07-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NM)

I have a credit card through Best Buy Citi Bank that had fraud charges on the card. I was contacted by the Fraud Department and told to place a special name number etc. on my account so the fraud people accessing my account could no longer access the account. So I did that. And again the people in the same state are being allowed to access my account. Best Buy Citi Bank Customer Service did not protect me from fraud and again allowed fraudulent people to access my account. The specialized word or password which should have never been bypassed was bypassed. The fraud people changed my address, phone numbers and email. The Citi Bank Customer Service are not honoring my privacy and continually allow the fraud people to use my account without my permission.