davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Pursuant to 15 USC 1681 ( a ) I did not authorize consent to nor benefit from the listed account. Please Delete immediately and Pay the invoice for all Federally Protected Consumer Right Violations!!!! I sent an Affidavit two months ago, I have not received a response back.
Consumer complaint received 2023-12-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: REGIONS FINANCIAL CORPORATION (IL)

I had used the VA Home Loan, and it required work to be done before I moved in, but the work wasn't done then and so it was left to me. The VA required the owner to put up for an estimated {$5000.00} and XXXX, so around {$7500.00} for all repairs. One contractor was to do all the work for around {$4500.00} except going over for the driveway replacement slabs. That handyman went missing and so the work was not finished by him. I had other contractors finish the work that I paid them with checks and was to send the invoices to the lender for reimbursement. The problem is that the lender paid out the one contractor that went missing for the full price and settled the account when he had not finished, and I had not sent in the invoices from the other contractors to finish the work. I need the lender to cancel that check, which won't be cashed, and repay me for the invoices of the contractors that finished the work.
Consumer complaint received 2022-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (TX)

I was a victim of identity theft and I had provided all the necessary documentation to FROST ARNETT they can't even provide me with a valid account number. I had asked on several occasions to DELETE the following account from my credit report since it is causing me financial distress and is an Inaccurate Item reporting on my credit report. 
DELETE - FROST ARNETT - No Account Number Provided DELETE - XXXX XXXX XXXX DELETE - XXXX, XXXX, I DELETE - XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (PA)

In XXXX through XX/XX/XXXX SLS approved me for COVID-19 Forbearance Plans of which I received assistance from the CFPB in the latter part of XXXX that led to COVID-19 Forbearance Extensions. 

With the assistance of the CFPB, SLS approved me for a Trial Period Modification in the amount of {$430.00} for for the months of XXXX, XXXX and XX/XX/XXXX. All Trial Period Payments were made on time and as a result ; SLS approved me for a Permanent Modification in the amount of {$420.00} of which SLS scheduled the first Permanent Modification Payment to be withdrawn from my Checking Account on XX/XX/XXXX ( the {$420.00} payment posted on XX/XX/XXXX as SLS Confirmation Number : XXXX ). 

On XX/XX/XXXX, I received a Credit Report Alert that my Credit Score decreased by XXXX Points. Upon review of my Credit Report ; SLS reported on XX/XX/XXXX that my SLS Account was 120 Days Late in the amount of {$3900.00} with the Date of Last payment listed as XX/XX/XXXX. 

On XX/XX/XXXX, I made multiple telephone calls to SLS in an attempt to speak to someone that could correct the negative credit reporting that SLS placed in my Credit File/Credit Report. The SLS System repeatedly informed me that their Telephone Representatives were receiving large volumes of calls, that they were experiencing technical issues and to try calling back in 30 minutes while they resolved the issues. Each time I called back I was unable to speak to a Representative and was given the same message to call back in 30 minutes. 

After not being able to get through to SLS Representatives by telephone ; I sent a message to the SLS Online Message Center describing the negative credit reporting that SLS placed on my Credit Report/Credit File, but have not received a response from SLS.

My SLS Account is not delinquent, and is not 120 Days Late as SLS has listed in my Credit Report/Credit File. I am in a Permanent Modification with SLS and have not been late in making any of my Trial Period Modification and Permanent Modification Payments.
Consumer complaint received 2023-06-07
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. (TN)

This is my request to inform you that after I review my report, I have identified such erroneous inquiries on my credit file. This is unacceptable as I found out some inaccurate inquiries. Honestly, I'd like it all to remove in my credit file imediately. These inquiries are all unuthorized so please remove it all : 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 2023-02-03
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)

In accordance with the Fair Credit Reporting act XXXXXXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX Account # 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 2020-01-17
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. (PA)

My XXXX Secured card reported to XXXX  XXXX   And experian As XXXX XXXX And was removed from my report On Or Around XXXX after it stopped reporting Around XXXX Of 2019 And i would like it back on my report. XXXX has told me to Request the bureaus Put it back on my report if this is wrong please contact XXXX XXXX and advise them of this.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I acquired my credit report and asked the credit Bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

I waited 30 days and I haven't received nothing. It has been over 30 days.

And one more thing, they didn't even record the current status of the disputed information.

Transunion, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family but XXXX is not doing its job according to the law.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC (TX)

I went to log in to Milestone ( link below ). When I logged in, I was prompted by an alert to enroll me in paperless statements ( which I'm certain I had already enabled ). When I clicked, " Accept '' it came up with an error page and to " retry ''. When I clicked retry, it popped up the exact same prompt as the enroll in paperless statements except that it had changed to " Enroll in credit monitoring service ''. It looked exactly the same and it wasn't until I hastily clicked accept ( since I was under the impression that I was retrying to enroll in paperless statements ) that I realized what it said. There was nowhere online to unenroll in credit monitoring so I had to call to cancel the $ XXXX monthly service it had just tricked me into cancelling. Luckily, they did not charge me for it yet. The representative took my call and I didn't have to explain. The tone of his voice sounded like " Another one of these ''. Like that was his job to take in an influx of calls about unenrolling people that had been tricked into the service. As this was a normal sign-in and wasn't repeatable I don't have logs or screen shots. 

- Tricked me into a credit monitoring service be bait-and-switch - Enrolled me and then made it inconvenient to cancel by calling ( a whole lot easier to enroll that cancel ) - Seemed that they knew of this practice when I called. 

https : //milestone.myfinanceservice.com
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I sent Equifax a dispute via certified mail regarding an account with XXXX XXXX XXXX XXXX that was showing inaccurately on my report. The account was showing an inaccurate date of last payment of XX/XX/XXXX, a comment that I never made the first payment on the account, and an incomplete and inaccurate payment history. As of today, XX/XX/XXXX, Equifax has not completed the investigation of this account. I have disputed this account several times and the inaccuracies are still present. Equifax has violated the FCRA by not completing my dispute within 30 days and by failing to investigate obvious inaccuracies on the account I disputed. I called Equifax on XX/XX/XXXX and informed them that the 30 day period had ended. The representative on the phone looked up my dispute, which has a confirmation number of XXXX, and confirmed that Equifax was still investigating and that there was nothing he could do to fix the situation. Attached is a screen shot taken today showing the investigation was still pending as of XX/XX/XXXX at XXXX and that the dispute was received and processed by Equifax on XX/XX/XXXX. The extra time is not the only issue here : Equifax has repeatedly verified inaccurate information relating to the XXXX account on my report.
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

someone charged my credit card twice at XXXX XXXX using phone number and email address that arent mine. Both orders were placed online but I have not gone into XXXX XXXX in more than 3 years or so. 

Supposedly, one of the item was delivered next day to my address ( which I did not receive ) and the other item was picked up in XXXX, which I also have not gone into. Also, while the delivery address may look like my house, theyre missing the apartment number! ( Which fraud people wouldnt know about ) Its driving me crazy since they are saying I purchased these items and charged my card over {$700.00} dollars and THEY ARE NOT MY PURCHASES! 

I have been with Bank of America for 26 years. Why would I lie?
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

On reviewing my yearly escrow statement, I noted that Mr Cooper aka Nation Star had claimed to have paid {$5500.00} in property tax, though the amount due was {$2100.00}. I reached out to my mortgage company and made them aware of the error on XXXX XXXX, 2023 that the amount was in error and needed to be corrected. They closed the ticket and said they would investigate. This resulted in no action. 

I received a notice that my payment was being increased due to escrow, and again reached out to them on XXXX XXXX, 2023. Again, they said they would investigate and closed the ticket. 

In addition to this, I contacted the XXXX XXXX XXXX 's XXXX on XXXX XXXX, 2023 to determine the location of the refund for the overpayment, as my escrow account did not appear to reflect any refund over the overpayment. I was then informed that Mr Cooper had not, in fact, paid {$5500.00}, but instead had paid the correct amount, {$2100.00}, while claiming to have paid {$3300.00} more as reflected by my escrow statement.
Consumer complaint received 2022-02-24
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. (MI)

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance {$120.00}
Consumer complaint received 2023-02-03
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. (IL)

XXXX XXXX are intentionally and irresponsibly reporting wrong information to my consumer report. Which is a clear violation of the law. The law states that I am entitled to an accurate report, in which XXXX XXXX is in violation of 15 USC 1681e ( b ). 

I reached out to XXXX XXXX on or around XX/XX/XXXX, to ask why they were reporting late payments after my insurance company and I, had made them aware that the vehicle was declared a total loss on or around XX/XX/XXXX. I express to them that they were intentionally trying to harm my name with the consumer reporting agencies and requested that the late payments be removed. XXXX XXXX removed the late payments and payment history from my consumer report and charged the account off on or around XX/XX/XXXX. 

Also, XXXX XXXX received a {$44.00}, XXXX payment on XX/XX/XXXX from my insurance company. However, on XX/XX/XXXX XXXX XXXX charged my account off as bad debt in the amount of {$61000.00} as reported to the consumer reporting agencies. Vehicle was declared a total lost on or around XX/XX/XXXX. 

I am demanding that XXXX XXXX update the Account Status, Payment History, Past due amount and Balance of this account as follows : Account Status : Paying as agreed. 
Payment History : On Time from XX/XX/XXXX to Present Past Due Amount : {$0.00} Balance : {$17000.00}.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (AZ)

I am a XXXX XXXX member. I came to deposit XXXX XXXX into my XXXX account at the atm outside of this location ( XXXX, XXXX ) on a XXXX evening. The ATM took my money, failed to deposit it into my bank account and proceeded to print out an error message telling me something went wrong and to contact my financial institution. It did not give me back the money I deposited nor did it post to my account. Their ATM literally stole from me. 

I immediately called XXXX XXXX. As a member I expected this to be resolved ASAP with urgency. Instead the XXXX person to answer tells me he will transfer me to the " disputes '' department. While on hold, the automated system told me there was a XXXX hour hold for that department and that I would he placed on a call back queue. I waited. 

I finally get the call back. The lady was completely unempathetic of the situation. She told me it could take XXXX XXXX DAYS to " investigate '' this incident! Are you serious?! I need this money now and this is XXXX XXXX 's mistake. There should be URGENCY! I explained I was not the only XXXX struggling with the ATM and that it should be noted as OUT OF SERVICE IMMEDIATELY so no one else has to go through this! She said " yeah I wrote a note about it on your claim ''. It seems she wrote that note on my case and not actually put an alert that the ATM is down in real time! I am completely repulsed by XXXX XXXX. 

I asked what am I supposed to do? I need this money and got forbid it happens again in the future with large sum of cash. With technology these days, ATMs can be quickly audited within XXXX for extra or missing cash and it does not take XXXX XXXX days to provide me a provisional credit at least! She said they would not even offer provisional credit until the XXXX BUSINESS DAY of claim! XXXX XXXX does not care about its members. All of this for XXXX!
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MI)

Summer XXXX : I inquired my mortgage company ( U.S. Bank Home Mortgage ) for a private mortgage insurance waiver based on the new evaluation of my home. I have completed $ XXXX in renovations, and have owned the property since XXXX. This time period saw a large spike in property values in my market, but the appraiser gave an extremely cautious valuation just under the amount needed to waive my {$150.00} PMI payment. They rejected my alternative comps, and I waited for new comps to hit the market. The property valuation came back at over {$100000.00} less than the average of XXXX, XXXX, and XXXX were estimating. 

XX/XX/XXXX : I Called US Bank again to request a new appraisal. I was notified that there would be an additional {$100.00} fee, which I paid over the phone. I was told to wait 2 weeks to hear back from an internal broker to go over a new evaluation. 

XX/XX/XXXX : A month after the inquiry, I called US Bank for a status update. I was notified that the fee I paid was misapplied as a {$100.00} principal payment, so it had to be withdrawn from the principal balance and re-applied. I asked when should I expect a call from their internal value broker and was told it would be relatively quickly since they made an error. 

XX/XX/XXXX : I never get exact details on the status of my request when I call, and I don't know what other options I have at this point. My PMI premium is expensive and makes a difference to my family, and I am starting to suspect that US Bank is suppressing valuations in order to keep these policies in place to mitigate risk. Delaying this process means the comps in my neighborhood are getting older. I have never missed a payment, and my neighbors house sold at nearly double the price per square foot in XXXX ( its a smaller house on a smaller lot ). Any assistance would be greatly appreciated,
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/20 I tried to access my Transunion online account to unlock a credit freeze. It said it couldn't find my account so I created a new account and it asked for my credit card for some reason. I didn't realize that it was signing me up for a credit monitoring service. 

All I wanted to do was unfreeze my credit, but instead I was auto-billed for a subscription service. There was no mention on the website that that was what it was going to do with my credit card information. 

I was able to cancel the subscription on their website, but there isn't a way to remove my credit card information or get my {$24.00} refunded.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC 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 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 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