davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (TX)

XX/XX/XXXX On XX/XX/XXXX I received notification from XXXX XXXX XXXX XXXX XXXX advising that the servicing of my loan had been transferred effective XX/XX/XXXX from UNITED SHORE FINANCIAL SERVICES , LLC to XXXX XXXX XXXX XXXX XXXX and that UNITED SHORE FINANCIAL SERVICES , LLC stopped accepting payments received from me after XXXX XXXX. 

I have never missed any payments, now I am receiving foreclosure letter from UNITED SHORE FINANCIAL SERVICES , LLC attorney advising of foreclosure. This has ruined my credit score, t UNITED SHORE FINANCIAL SERVICES , LLC is reporting over 90 days late on my credit, dropping my score over 100 points. 

I have contacted both servicers ( prior and new ) and one says I have two accounts with them, two different loan numbers. I have never missed a payment and have spent hours on the phone trying to solve this at no avail.
Consumer complaint received 2019-03-26
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)

I have two accounts listed with XXXX XXXX I was promised a delete of these two accounts according to the phone conversations upon paying these and in the letters attached one is for XXXX, I I believe the other is for the other account they said they would completely delete they did not they posted to XXXX balance and their letter didn't state that as I never owed them they bought this debt as I was on XXXX and paid as soon as I could. I need it it off my report as promised. it states this in the third paragraph that it will be deleted
Consumer complaint received 2022-06-15
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I went to my bank Truist to access my safe deposit box. The keys I had would not open the box. I have {$89.00} in a savings account. When I asked for my money I was told by a bank officer that I owed {$15.00} for the box and if I paid {$15.00} I could have the rest of my money. This did not make sense because I couldnt get into the box. The next day I spoke to the branch manager and he said I closed the box in 2018. I asked him if he could prove that because my signature card was still on file. He said they had the keys to that box and it was empty. I left my {$89.00} in the savings account on the hope that if I owed money for the box and they were able to locate the contents I would be able to pay the money if I owed it. Previously the fee for the box was automatically withdrawn fro the savings account.
Consumer complaint received 2021-10-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (NY)

The Mr.Cooper loan collection company has been mailing my law office bills for a former client that is now deceased. I've called the loan collection company multiple times and explained to them that this is no longer my client, and that he is now deceased, but they continue to send all of his bills to my office. The latest bill is in the amount of {$13000.00} and is dated XX/XX/2021.
Consumer complaint received 2024-02-28
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under...

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 



Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX
Consumer complaint received 2022-08-26
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. (FL)

I have been in school and I am still currently in school. However, XXXX XXXX has added late payments when they should have differed. Multiple times, I have asked for that to be corrected, but they continue to refuse to remove the late payments. 
I was at Florida XXXX XXXX  from XXXX for my XXXX XXXX XXXXXXXX for my XXXX XXXX and currently obtaining my XXXX starting XX/XX/2022. 

Furthermore, under 15 USC 1681, I never consented to share my information.
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (DC)

On XX/XX/2021 my mortgage was sold to PHH mortgage from another lender. While I understand this is a common process, I was told on XX/XX/2021 that I was going to be charged a servicing fee of XXXX for online payments. Given I wasn't originally charged this fee from my other servicer this seems like consumers holding the bag for business transactions. I had no interest in playing fees on something that they can't provide a clear explainable reason as to why those fees are necessary for online payments. They said those fees would disappear if I opted in to autopay or if I went paperless. This is a blatant disregard of consumer fairness in a process I am completely unable to play a part in.
Consumer complaint received 2019-03-26
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: Experian Information Solutions Inc. (FL)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted this bureau several times regarding these unauthorized hard inquiries that are not mine.It has been well over 60 days and I have no received any response via phone or thru the mail. The customer service would not help in removing any of the negative inquiries reporting to my credit report. 

XXXX  XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX. 
XXXX Inquiry : XX/XX/XXXX.

XXXX Inquiry : XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XX/XX/XXXX.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

XXXX put a fraud alert on my file without my permission. Then they sent the alert to other credit bureaus. 

I tried to get them to take it off but they didn't have a contact number other than the one I used to what they claimed to call to take a freeze off or fraud. 

When you call the number you don't get a person only a machine asking you questions to verify or the machine hangs up on you. 

I answered the questions waiting to make a freeze selection that never happened and once it collects your information it tells you it just completed a fraud alert and that it would share that information with all the other credit bureaus. 
I called Equifax to find out if there was a freeze alert or fraud alert and could not get a straight answer from them. 

I called XXXX and they have my file in some special handling department that I didn't authorize and when I found out about it in XX/XX/XXXX or XX/XX/XXXX When they could not tell me why. 

I told them to take my file out of that department after speaking to several managers and supervisors. They assured me my file was removed but I've contacted them several times and each time since XX/XX/XXXX to now my file is still in that specisl department.
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I disputed a charge of {$490.00} dated on XX/XX/2021 with Bank of America. I also disputed other charges associated with a hotel stay at XXXX XXXX XXXX  XXXX in XXXX  XXXX, VA due to unsanitary, unsafe, and discriminatory experience. While Bank of America resolved all other charges disputed in my favor, they refused to resolve the {$490.00}. They allegedly needed documentation submitted which I did, but they said they couldnt do anything. Meanwhile, when I spoke with them they seemed to agree that the conditions of the hotel stay were not great. I believe this is unfair. I tried resolving this matter with the Better Business Bureau reaching out directly to the hotel, but the hotel would not respond so the case was closed. I was hoping that Bank of America would help but they were only willing to remove the smaller charges and not the larger amount which is a bit suspicious to me.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  put a fraud alert on my file without my permission. Then they sent the alert to other credit bureaus. 

I tried to get them to take it off but they didn't have a contact number other than the one I used to what they claimed to call to take a freeze off or fraud. 

When you call the number you don't get a person only a machine asking you questions to verify or the machine hangs up on you. 

I answered the questions waiting to make a freeze selection that never happened and once it collects your information it tells you it just completed a fraud alert and that it would share that information with all the other credit bureaus. 
I called XXXX to find out if there was a freeze alert or fraud alert and could not get a straight answer from them. 

I called transunion and they have my file in some special handling department that I didn't authorize and when I found out about it in XXXX or XXXX When they could not tell me why. 

I told them to take my file out of that department after speaking to several managers and supervisors. They assured me my file was removed but I've contacted them several times and each time since XXXX to now my file is still in that specisl department.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act the following companies below XXXX & XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number Account Number 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 an account without my written instructions.
Consumer complaint received 2021-06-10
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: CarMax, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-11-04
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: EQUIFAX, INC. (GA)

The credit bureaus have yet to provide results to the disputes I have sent multiple times. I have done my research and they are still supposed to be providing results even though there is a pandemic. We are all going through it and I need some erroneous items removed from my report as they are not mine. I have yet to receive any mail or correspondence from them and I know the credit bureaus are required to respond to me.
Consumer complaint received 2018-10-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX I went to Huntington Bank Branch to Deposit {$200.00} cash and cash a check for {$9.00} or {$9.00}, The teller was ok with depositing my cash that was much greater than the check but ask for ID to cash the very small check because I was XXXX XXXX. He never ask the XXXX person for ID. I did file discrimination with Ohio Civil Rights. They are looking into that matter. However, my concern is that HUNTINGTON BANK went into my bank account without my authorization or being present for their selfish reason to see if I took that check and cash to another branch. They called that branch and inquired with all there about me and only one employee actually knew me and my name. They denied me service because I was treated different. 
I experienced different treatment before with XXXX XXXX /XXXX at same bank and the upper management never contacted me after I complained
Consumer complaint received 2018-07-16
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. (NC)

I reported to Equifax ... and XXXX of credit inquiries from XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX mortgage and auto lenders inquiries that I didnt authorize ... these inquiries should not be on my credit report
Consumer complaint received 2022-06-15
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. (GA)

In accordance with The Fair Credit Reporting Act -XXXX  XXXX XXXX  Account Number : 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 2018-07-16
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. (TX)

On XXXX 's XXXX my transmission went out on my XXXX XXXX XXXX. My loan was almost paid off with 100 % on time payment history even though this is the 3rd financial situation where the vehicle broke down and I still kept my account current. Well this time when the transmission went out I was told by XXXX to take the vehicle to their transmission shop. 4days later, mind you I just paid my car note, but they told me that XXXX approved for a mechanical trade at XXXX DOWN. So that weekend I went in to get to my trade so I could keep working without wasting money on uber. Well when I get there, of course it wasnt XXXX DWN, they wanted more money, so I had to scrape up and additional {$500.00} ( that {$700.00} in two weeks to MEI ) to drive off in the XXXX XXXX they gave me. Of course no lights or anything was on, and they wouldnt allow for you to test drive cause there is never any gas in their cars at the time of purchase, I even have text to prove this. 
They also have the audacity to run your credit again on something thats approved already through their company! Well not even 3 days after pulling off the lot the check engine light comes on. I call to set an appointment with the service center and they tell me I cant until I get my contract reinstated with XXXX and TruckMAXX. It took almost 4 weeks to get a new contract together but whats the most frustrating about this is the fact that I started receiving calls saying that I was 10days past due on the XXXX. After I explained the first rep, XXXX said ok she will notate the call. I asked her for a PAID IN FULL LETTER she said she will email her supervisor to contact me within the next few days. Nothing happend. About 6 days later XXXX called again saying I was 21days past due. I asked for his supervisor a woman named XXXX came saying she was a supervisor. I asked her for a paid in full letter, she said they XXXX, dont participate in this. I told her to escalate my request because I know this should be available for a consumer period from a debt collector. I told her and the previous 3 people that this account better not hit my credit. Well I woke up the morning of XX/XX/XXXX and guess what ... MY XXXXREDIT SCORE DROPPED OVER 50 POINTS and I missed out on closing on my house due to an issue on their end. Right now at this very moment it is still showing a negative tradeline from these crooks. Im forced to consult with a laywer at this point. Im the one taking financial losses from doing what Im suppose to do and I am still waiting on my PAID IN FULL LETTER SO I CAN HAVE MY CREDIT CLEARED.
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (MI)

Id Name XXXX XXXX. XXXX ss # XXXX. I had maxed my credit limit on my US bank credit card # XXXX expiration date XX/XX/XXXX. I made a payment of {$63.00} XX/XX/XXXX while online and speaking with a representative, the representative proceeded to process another payment of {$63.00} which was not my intent because the second payment overdrew my banks account. I asked for the second payment to be refunded, which was granted. I then proceeded to my person bank when my checking account is held to consolidate this loan with my medical credit card ( XXXX XXXX ) so I could better handle my payments being that I am recovering from an illness/surgery. I was charged interest and late fees. The late fees was refunded. The problem began when I sought the true balance and was given this amount {$2300.00} on XX/XX/XXXX ( cashier check # XXXX from XXXX  XXXX XXXX XXXX ) only to be informed via my online statement that showed a different amount and me having a balance due amount of {$63.00} on XX/XX/XXXX and upon contacting the bank the representative tried to convince me that I still owed that amount. On XX/XX/XXXX there is a charge of {$29.00} on a purchase when I purchased nothing. Interest charge of {$.00} on a balance transfer. I never heard of this when I am paying the balance as I knew it to be. Then there as a {$4.00} charge for a cash advance, where did this come from? Today according to my online statement there is a new balance due of {$95.00}, where this come from, and how can the outstanding amount due continues to grow when the payment date haven't arrived. 
I am getting the impression that US Bank doesn't want me to pay off my account and is adding charges thinking that I am a female senior who doesn't know how to read and or do basic math and will just pay the amount shown and if not the above state fees will continue mounting. This is unfair business and banking practices. This is equivalent to payday loans or loan sharking.
Consumer complaint received 2024-02-28
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under...

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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