davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've made several attempts to dispute the XXXX accounts and the inaccurate information that's being placed on my credit report by Transunion. The accounts with XXXX are still reporting as 120 days late, but like I've stated and disputed before, these accounts are closed paid accounts with a XXXX  balance. The accounts are CLOSED, and they are PAID, and they have a XXXX balance. So how I can be 120 days late under those circumstances. It doesn't make any sense. 

In response to my dispute, the credit bureau stated that these accounts were properly investigated, but how can that be if they're still reporting inaccurate information. Surely this is grounds for removal and even more, I feel that my rights have been violated under 15 U.S.C 1681 section 602 A and section 604 A section 2.
Consumer complaint received 2020-12-17
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. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/XXXX Trans Union LLC, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX To Whom It May Concern : I have done three mail requests for my Trans Union Credit Report. Would your office be kind enough to mail me a copy? I did receive my free annual credit report from XXXX XXXX XXXX, but I never received my Trans Union report. It would be greatly appreciated. 

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, XXXX and Trans Union collectively. 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/XXXX 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 Free Annual Credit Report, 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 Boost. 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 address. 

Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX XXXX XXXX LICENSE ATTACHED
Consumer complaint received 2021-09-08
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: Southwest Credit Systems, L.P. (AL)

XXXX has been harassing me since XXXX. They have gone through 6 different debt collection agencies, ( even using 2 different companies at the same time in XXXX ), to put derogatory remarks on my credit report, when I did not use their services. I have even had to file a police report, showing that I didn't use their services. They deleted themselves from my report, and later filed again, using a different agency. They also flag my credit every 3-5 days. Even after reaching out to prove that I haven't used their services, and being told that they would leave me alone, they still continue to harass me. I have attached data below.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Angel Oak Home Loans LLC (GA)

On XX/XX/2022, Angel Oak Home Loans transferred my mortgage to XXXX XXXX XXXXg. The notice, sent by XXXX XXXX XXXX, was dated for XX/XX/2022, failing to meet the 15 day minimum notice period for a service transfer as provided by 12 CFR Part 1024 ( Regulation X ), subsection 1024.33 paragraph ( b ) ( 3 ) ( i ) and did not meet exceptions from paragraphs ( b ) ( 3 ) ( ii ) or ( b ) ( 3 ) ( iii ). There were no other notices from Angel Oak Home Loans. The notice was not received until XX/XX/XXXX, after the XX/XX/XXXX payment. I had an automatic payment scheduled for the XXXX with Angel Oak, but due to the servicing transfer timeline, this payment was not drafted ; resulting in a late payment. Although no late payments were assessed, this conduct was illegal and unprofessional.
Consumer complaint received 2023-04-01
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. (NJ)

I wrote this company several times about charge off thats on my credit as a credit card claiming monthly payment was made when that is false these are doctor bills that should never been on my credit I have XXXX and XXXX I dont pay for insurance its free and all medical bills are covered on top of that I got a law suit and any medical bills that was left was paid for the credit company failed to investigate they lied and sent a notice stating they investigated when they did not because they would seen that no medical bills should be on my credit this is a violation to hippa rights also I gave nobody permission to release any doctor I seen or any written or verbal right to anyone containing to my medical my lawyer has stepped in because these bills are paid they not supposed to be on my credit at all
Consumer complaint received 2022-05-03
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. (IL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights, 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (FL)

According to 15 USC 16981 ( B ) -I never gave these companies permission permission to run my credit for any inquiries. While checking my credit report in XXXX i noticed all of these inquiries of my report, I contacted all three Credit Bureaus to advise them and asked them to delete the information to no avail. This was my next step, I would like all of these inquiries to be removed from my credit report, because i never agave them permission run my credit or per 15 USC 1962 B ( 2 ) a Consumer has the right to privacy, I did not give anyone written permission to list or report any information on my credit report. Please delete all of the unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-03
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: Tate and Kirlin Assoc (FL)

In according with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 usc 1681 Section 602 States i have the right to privacy.

15 usc 1681 Section 604 A Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting Act XXXX, Account number XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$760.00} Credit limit {$0.00} Account type Collection Revolving No Open Yes Authorized user No XXXX XXXX XXXX {$340.00} Original creditor XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$330.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No Original XXXX XXXX  XXXX XXXX {$130.00} Account number XXXX Date opened XXXX XXXX Balance {$130.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No Original creditor XXXX {$23.00} Account number XXXX Date opened XX/XX/XXXX Balance {$23.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No XXXX XXXX {$5400.00} Original creditor Account number XXXX Date opened XX/XX/XXXX Balance {$5400.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No XXXX XXXX XXXX  {$240.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$240.00} Credit limit {$0.00} Account type Collection Revolving No Open Yes Authorized user No
Consumer complaint received 2022-05-03
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX, Account number XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original crediXXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$760.00} Credit limit {$0.00} Account type Collection Revolving No Open Yes Authorized user No XXXX XXXX XXXX {$340.00} Original creditor XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$330.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No Original creditor XXXX  XXXX XXXX {$130.00} Account number XXXX Date opened XXXX XXXX Balance {$130.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No Original creditor XXXX {$23.00} Account number XXXX Date opened XX/XX/XXXX Balance {$23.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No XXXX XXXX {$5400.00} Original creditor Account number XXXX Date opened XX/XX/XXXX Balance {$5400.00} Credit limit {$0.00} Account type Charge Off Revolving No Open Yes Authorized user No XXXX XXXX XXXX XXXX240.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$240.00} Credit limit {$0.00} Account type Collection Revolving No Open Yes Authorized user No
Consumer complaint received 2020-08-03
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX XXXX {$6000.00} XXXX XXXX {$63.00} XXXX XXXX {$1000.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX XXXX {$720.00} DEPTEDXXXX   XXXX {$1700.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX XXXX {$6000.00}
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2022 my ex-husband passed away and my XXXX son is his next of kin. I learned at that time that he had failed to refinance the mortgage on a home we purchased together. At the end of XXXX I started trying to let Truist know of his death. 

After my call being disconnected multiple times after XXXX minute holds, I made an appointment to see a banker in a branch. She was helpful in getting me access to the mortgage account, but I did not have sufficient documentation for her to help me in any other matter. 

I was able to gather all of the documentation : will, death certificate, divorce decree, record of my remarriage to legally validate my name change, POA from my children, etc. 

Then the fun started. I have not had an actual conversation with anyone who can help me. I am on excessive holds of over XXXX minutes to be connected to an off-shore agent only to have my call disconnected. At first I was understanding about the challenges that may have come from merging SunTrust and BB & T. Frankly, I'm over it.

I'm employed by a competitor and I know that it should NOT be this difficult. My ex-husband, their customer, is dead. According to the documents that I have found, there is adequate funding in checking/savings accounts that would have covered the thousands of dollars that I have had to spend related to this death..but I can't even reach someone to begin the process of these funds being released to his next of kin, as stipulated in his will. I am furious. Below is a " transcript '' of today 's interaction. I had been so excited that the wait time was reported at 20 minutes. The hold time doesn't matter, when the agents are incompetent.

Truist off-shore agent : Thank you for calling Truist. How can I help you?

Me : Hello. I need to report the death of one of your customers. The paperwork suggests that he had many accounts with you.

Truist : To clarify, you want to submit a complaint about a letter you received?

Me : Id like to speak with a representative in the US.

Truist : One moment. ( Hold music- then recording ) You have been awarded a rebate coupon for using your credit card at specific merchants. Press 1 to redeem your rebate now. Or hang up.

Me : ( No response ) Truist : ( recording ) You have exceeded the number of allowable responses. ( line disconnects )
Consumer complaint received 2019-02-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (CA)

I Leased this car from Ally Financial for 3 years with the option to purchase at the end of the lease. towards the end of the lease I started calling the bank to ask for the option to purchase the car because I wanted to keep the car. They started running my credit every time I called them and begged them to please sell it to me because that was the only transportation I had to go to work ( See credit inquire history attached ) Once they noticed that the amount owned in xtra miles was greater than the value of the car in XXXX   XXXX, Ally started demanded me to pay the amount owned in xtra miles. I was forced to go get another car loan to have transportation to go to work. On XX/XX/2017 After trying multiple times to get financing through different car dealers, I ended up in the XXXX dealer and when they run my credit and search for financial institutions one of the banks that came back offering me a car loan was Ally. Same bank that totally denied me the option to purchase the car I leased from them because of my bad credit was willing to finance me my new car loan. I fell that I was victim of FRAUD with this bank. Plus because all the multiple inquires I was forced to take a 16 % interest rate on my new loan. The government shouldn't allow this companies to still from their good clients. I was offer a Lease with a purchase option and they did not comply at the end of the contract.

This should not be affecting my credit because I comply with every payment until the end of the contract.

I really hope I find someone that will legally educate me as to what my options are to get out of this problem since I comply until the last payment. Ally Broke the contract by denying the option to purchase the car at the end of the lease as they had promised when I got it. How can they call this Lease with option to buy? don't let them fool you.
Consumer complaint received 2022-05-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-09-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Atlantic Mortgage and Funding, Inc. (FL)

Today XXXX Once again I would like to ask this company Atlantic Mortgage & Funding to stop. https : //www.atlanticmortgage.net/ On XX/XX/2021 I stablished a complaint against Atlantic Mortgage and Funding , Inc XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX, VA XXXX ( XXXX ) XXXX Web : https : //www.atlanticmortgage.net NMLS ID : XXXX Mr. XXXX XXXX manager will not stop harassing me. Its hard for him to understand the word NO I do not want and I had never requested this unsolicited junk mail. Today XXXX This letter will not stop and the complaint # XXXX at the Florida department of agriculture has not being answered. Why tis company insist in harassing me? 


This company its using my name and personal VA mortgage information for marketing and solicitation. I just don't understand why this company is harassing me with unsolicited and never requested mail and VA loan offers. How this company got my information, what gives the right to this company to use my name and address on marketing and why?. What and how can this company write a misleading letter ( extremely hard to read ). Not very clear letter misleading veterans and seniors citizens and handicaps like me why a lower rate how they know my current rate?. There not a clear address the costumer must read the small print. Please look at the evidence letter. What gives this company the right to try to HAVE ME CALL THIS NUMBER XXXX, with misleading information, Not clear information.? Because its very uncertain about the veracity and legitimacy of this document I only assume the company above its responsible. This company needs to respect the fact that my name is at the XXXX XXXX Opp -out list and every credit bureau op-out list to included also the DMA. My name and address of my wife also has been submitted to be opt -out from this unsolicited misleading letters. Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? Where at the XXXX County Please stop remove my name out their data base, and ask every marketing company not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited mail. Companies like this one does not respect the fact that our names are OPT- OUT from this unsolicited junk mail. I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please.

Remove my name please. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the DMA PLEASE READ THE LETTER ATTACHED EVIDENCE FILE ( Atlantic Mortgage and Funding, Inc )
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

I received XXXX XXXX XX/XX/2021, CItibank closed my account and i was told that my loan will be returned to XXXX. XXXX has not received the loan till this moment and each time i call the bank i hear the same response. XXXX could not re-issue loan because Citibank did not return the loan back.