davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-16
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. (AZ)

I placed a freeze on my credit report related to multiple reports of identity theft with Trans Union and the others to reporting agencies XXXX and XXXX. I applied for a mortgage loan and as informed that I would have to have the credit freeze lifted from all three agencies to apply for the loan. XXXX and XXXX responded and lifted the credit freeze within moments. TransUnion refuses to lift the credit freeze without a pin number that they claim they sent to me on XX/XX/2018. I have not received this pin number and I have informed TransUnion daily for the past 5 business days. Each time I called I was transferred to special handling and told over and over again that the pin number was mailed out on XX/XX/XXXX and to allow seven business days for the letter to be received it has been nine business days and I still have not received any communication from TransUnion. The TransUnion representatives will not help in any other way other than to offer me another mailing of the pin number in the interim. I am losing thousands of dollars in a frozen transaction with the purchase of a new home!
Consumer complaint received 2016-05-05
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Global Lending Services LLC (FL)

I had a loan with Global Lending service that was set up by XXXX. For one year I paid XXXX a month to them and not once were these payments reported to a credit agency. When I went to refinance the car I was informed that Global lending was not federally insured and therefore I would NEVER be able to be refinanced by a reputable lender. I went to XXXX to talk to them and they could not find anything on my credit report regarding Global Lending. I was so distraught about this that when I went to XXXX I was very vulnerable and alone. They knew I was there to get my payment down. When I left there I had a brand new XXXX with a XXXX payment which is too much. I recently had found out my identity was compromised during a background check for a job, my hospital records were among a group of records that were hacked and a satellite internet company had posed as direct TV and took my debit card number. I was pretty shattered at the time and now am stuck with a XXXX payment on a car I did not want. I went through bankruptcy in XXXX to try and pick up the pieces of my life and hopefully get things back together. No positive credit was garnered by my relationship with Global Lending causing my credit to still stink. Is there anything that can be done? Where should I turn? I am completely at a lose
Consumer complaint received 2015-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (MD)

I pulled my credit report and discovered a bill from XXXX which was sent to collection, Enhance Recovery Company. The bill was for $ XXXX contacted ERC and we agreed for a settlement of {$190.00} but I was charged for {$210.00}. 

However, they promised to send a settlement in full letter upon payment but what I recieved was not a settlement in full payment because the letter purports that " Please note, that although your account was settled, it will reflect a remaining balance with XXXX. " Clearly, this is not a Settlement in full letter.
Consumer complaint received 2015-07-24
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was pre-approved for a house loan by Bank Of America XXXX BOA XXXX. I found a house that was for the amount of the loan. Did everything, supplied everything that the bank asked for. Even financed my car, with the intention of financing it with BOA. Had the house inspected, paid for a credit report, had insurance put on the house, all of this at the request of BOA. Getting everything set to close on this house, and at 2 weeks before closing, BOA denied the loan. Why pre-approve a loan and put me through all of this and then deny the loan? Bank of America is the absolute worst financial institution to apply for a loan. They give false hope, they discriminate against women, and they have no intention of granting an approval if you are n't making mega amounts of money. I am very disgusted with this Banking Institution and would advise anyone who is seeking a house loan to seek it elsewhere.
Consumer complaint received 2018-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Student Loan Care, LLC (MI)

I was charged {$42.00} per month for the past year, XX/XX/XXXX through XX/XX/XXXX via an online payment system called XXXX XXXX as a service fee for consolidating my loans and managing my account through a third-party company called Student Loan Care. My official student loan servicer informed me that Student Loan Care was essentially committing fraud by charging me a service fee. Student Loan Care also sent me daily emails about the annual re-certification process for student loan forgiveness and requested that all correspondence go through them instead of my official servicer. When I questioned my official loan servicer about this, they informed that that is suspiscious activity from Student Loan Care, and that I should not be paying any fee because my loans have already been consolidated with them via the Department of Education and that I have no fees to pay according to their records. I was also recommended by my official loan servicer to file a complaint with the state 'Consumer Bureau, ' alert the Department of Education about the suspected fraud, and seek legal council.
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (MT)

My mortgage was sold again. The previous lender, Franklin American sent me a annual escrow disclosure statement before transferring to my new lender. I noticed they are missing a deposit to my escrow account in XXXX 2015. I contacted Franklin and they confirmed they received my mortgage payment in XXXX, but did n't know why my escrow account did n't reflect that. I faxed the statement to them last month and they have n't responded. I followed up with my original lender and she thought it looked like a payment was missing also. She sent an inquiry to her Franklin contact and I have not received a reply from anyone at Franklin. I need help recouping my missing escrow payment as they are nonresponsive. Can you help me or direct me to the department that can help me? 
Thank you, XXXX XXXX
Consumer complaint received 2016-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (IL)

I requested credit bureaus to update my address ; XXXX & XXXX Changed it except for Experian. I sent a request via fax and even called them but experian Does n't want to remove the OLD addresseses. I 'm residing in my current address for more than 2yrs and they should correct my info.
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NY)

The credit agency is not entering my on time mortgage payments for the last 5 years. 
XXXX XXXX is claiming No Payments were made during this period from XX/XX/XXXX to XX/XX/XXXX. 
Are claiming I did nt make any payments at all. 
Have proof payments were made and I have the records of payments from their Accounting Dept. 
They still are claiming to the credit bureau that no payments were made and the credit reporting agency is reporting this incorrect information on my credit report.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute an erroneous debt reported on my credit report by XXXX. This debt is not mine, yet it was removed from one credit bureau and reappeared as a new delinquent account on another, negatively impacting my credit score.

Now it is on Transunion I request your assistance in resolving this matter and removing the incorrect reporting from my credit history.

Thank you for your attention to this issue. 

Sincerely, XXXX
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (WA)

in 2020 I applied mortgage with Nation Lending company in XXXX Texas, Agent name : XXXX XXXX. I requested them to disclose my credit report or any other confidential information they obtained through my application. He refused. 
I asked for any type of pre-approval and he said my approvals are offer specific and asked me to have my agent call him. I felt he was not helpful and I was discriminated. Now that I am reading for my XXXX XXXX license I learned that mortgage brokers are responsible to disclose your confidential information to you as well as if they ran my credit. I would like them to provide me this information as soon as possible and I know them liable for this act. Best,
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The creditor XXXX has responded to a CFPB complaint confirming that my student loan accounts sequence XXXX are active/open with a balance ; however, Equifax refuses to correct the erroneous reporting. I have provided documentation to Equifax from the creditor, and XXXX has confirmed that they sent the proper information for Equifax to change the account status from closed to open and to update the actual balance for each account, but Equifax refuses to correct their inaccurate reporting which violates FCRA protections. I have contacted Equifax directly and they still refuse to correct the information theyre reporting stating that the documentation I provided to them could not be used to correct the error ; disregarding the fact that the documents were rendered to me directly from the creditor and through this CFPB portal. Equifax is violating my rights under the fair credit reporting act and this matter is causing significant harm to my ability to establish new credit with creditors and securing approval for a rental property for shelter.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I just reviewed my credit report in XX/XX/XXXX and noticed a inquire from XXXX XXXX XXXX. I did not open any account or have any knowledge of how this account is open. I sent all my documents into Transunion and have not heard back anything. I been getting ignored and do not know what to do. Can you please help? 

Transunion XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (MA)

I am a current key bank customer, I have a checking account and a line of credit. I received a promotional offer to open a savings Account and proceeded to do so this Sunday XX/XX/23 via online banking and initiated a {$15.00} transfer to the Account. I then later tried to login to the Account and received an error advising to call in as my online banking was locked. I called in today to access my account and verified over the phone with a representative. I was told there was a problem with the savings account and fraud was reviewing, I then questioned why I couldnt access my entire online banking profile due to a new account I applied and was approved for using the same information on my profile. I then was advised in order to rectify I need to visit a local branch, I advised that is not possible as I live in Massachusetts and there is no branches around me. The representative said that was the only option which I replied if the issue is with this new savings account then they can close the Account. The representative stated the only way to fix again was to go to a branch, I am requesting a complaint filed. From what I can tell is KeyBank intentionally placed a hold on my accessing all of the accounts in my name simply because I opened an account online and the store they assigned the state to us different from the one I reside in.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

Hello, I had sold my home because I was about to go into foreclosure and originally I was supposed to get {$400000.00} net proceeds and it turned out to only be {$36000.00} and XXXX XXXX and in the mortgage business so I could not find a job so every XXXX counts. I had opened up a chime account several months ago and decided to transfer from my cXXXX account to Chime {$10000.00}. I never heard back from chime and come to find out they closed my account so I asked the to please wire the money back to XXXX and they said they cant until I give them a copy of my drivers license, social security card, birth certificate, and and explanation where my deposit came from so I wrote them an explanation and also provided them with my XXXX account statement and my final closing statement to prove where my money came from and still nothing. I called and called and resent my documents to chime at least XXXX times and they kept on losing everything. I begged and pleaded with tnem and even told them Im out of work and need my money to survive and still nothing. I then found the CEO XXXX XXXX and sent him a private message to see if he can help me but he never replied and keep in mind hes worth billions of dollars so now Im at my XXXX end and coming to you for help I am so desperate and cant pay my bills, buy food, and living on a XXXX XXXX XXXX XXXX because I need that money in order to put a deposit on an apartment. Can you help me? Im having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please let me know what I can do to get my money back. Thank you, XXXX XXXX XXXX
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MI)

XXXX debt was paid in full and is closed. XXXX collection agency has reported to Equifax many times this account is NOT a charge off. I have filed over XXXX online disputes on this debt and me made several phone calls to Equifax to have this resolved. I even signed up for their paid credit monitoring service and during the time of my service my credit score has decreased. They continue to attempt to sell me other credit products and also continue to report false/inaccurate information.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I XXXX XXXX on XXXX XXXX I accidentally transferred {$400.00} from my savings account with Bank of America ending in XXXX to my credit card ending in XXXX confirmation # XXXX. The money was suppose to be transferred to my checking account ending in XXXX. All accounts are held with Bank of America. I immediately called Bank of America credit card customer service they stated since there is a {$0.00} dollar balance on the card ending in XXXX once the transaction posts they can credit the money back into my checking account ending in XXXX. I have made several calls and up until today XX/XX/20 the money still has not been refunded into my checking account. I have spoken to several customer services representatives and supervisors who all advised me this issue will take no more then 5 days to have the money refunded into my account. Today it has been more then 17 calendar days. Supervisors XXXX and XXXX employee ID # XXXX had informed me my money would be in my account no later then XX/XX/20. I also spoke with a supervisor named XXXX who informed me she does not understand the hold up and will have the money in my account within 24 hours. I called again yesterday and spoke with XXXX on XX/XX/20 around XXXX XXXX pacific time who refused to help me and provide me his employee ID number he hung up. I have been requesting for supervisors to please take over the call and or call me back on a daily basis and not one has returned my call. Today I spoke with an XXXX Employee ID # XXXX and requested again for a supervisor to speak with and again no help. I have cried and begged to please help refund me my money as I am behind on my bills and the money is rightfully mine and even had customer service representatives snicker and say you will eventually get your money in 14 days
Consumer complaint received 2015-05-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

key bank is claiming that at XXXX time I owed them money so they wont let me open an account. 2 years ago I spoke with someone at key and they informed me that i do n't owe them any money, but a account from XXXX which is no longer in my area or the united stated, was acquired by key bank when they purchased the branches. I never owed money too XXXX, they refuse to work with, give me information on the incident or remove it from their files
Consumer complaint received 2015-07-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (KS)

The company Pro Collect has been calling my # for over a year daily sometimes XXXX times. I 've spoken with them XXXX times to explain I am not XXXX XXXX I do n't know her. They continue to call.
Consumer complaint received 2016-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (WI)

Every two months, Wells Fargo loses my online account info and locks me out. They also " lose '' the contact info I call every two months to correct. And although they record calls, they hang up if I tell them I too am recording the call to protect myself. I called back and again informed them I am recording the call and the woman told me " then I ca n't talk to you. '' When I asked for supervisor, she put me on hold. An hour ago. I am still holding. I am completely at their mercy!
Consumer complaint received 2022-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (CA)

I have sent a few different disputes to this company that have yet to be responded to properly in accordance with FDCPA. Yet they continue to contact me, charge me, report deceptive and inaccurate information to my consumer report while in dispute and after written notices of being told not to.
Consumer complaint received 2016-03-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

Merchant Credit Guide is reporting {$62.00} unpaid balance on my credit report. After speaking with an account representative over the phone, he told me I had to send him a proof of affidavit and police report. I asked him to validate the debt or remove it from my credit report. By reporting inaccurate information to my credit they are in violation of Fair Credit Reporting Act. The agent over the phone refused to give me any information as to how I should dispute the inaccurate information. I want them to remove this negative tradeline from my credit ASAP and close account until they provide validation that it belongs to me.
Consumer complaint received 2024-02-15
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. (SC)

***URGENT*** I am uberly and utterly distraught after fining out about the recent eventas that took place on XX/XX/2024. 

It was brought to my attention via a credit monitering software that TransUnion shared information with XXXX without my consent or knowledge resulting in XXXX closing my account. 

I was never informed of this taking place nor did they ever reach out to me to discuss such information to confirm the accuracy and completeness of the data shared. 

I am interested in XXXX reviewing my equitable rights regarding my account in which I am the beneficiary as well as them reopening my account. This has caused a major hardship for me as I have XXXX appointments scheduled for next week where I was planning on using my card there. I now have no way of successfully attending my very important doctors appointments thanks to XXXX abruptly shutting down my account without informing me that they would be doing such a thing.
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (GA)

SECURITY CREDIT SERVICES Account number XXXX I have never opened an account with this company which was listed as XX/XX/2019 Please forward me a signed contract from Security Credit Service with my wet ink signature and XX/XX/2019 date on it This is a fradulent account whichI have never signed or witnessed