davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion & XXXX dropped my credit score on XX/XX/2021 on XXXX XXXX website. Scored dropped/changed due to decrease in XXXX XXXX account. I have been paying all my creditors on time for three years thru XXXX XXXX XXXX. My bankruptcy public record account have been removed effective XX/XX/2021. What is my credit score so low. 
Also, the balance on my car loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX is currently XXXX.
Consumer complaint received 2020-07-14
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. (PA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
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/2003 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 XXXX XXXX XXXX XXXX, 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 XXXX. 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 email address. Thank you.
Consumer complaint received 2021-09-01
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. (DE)

XXXX  has not done a legal and thorough investigation into their errors in reporting. They really have failed the American people. I really would like them to send you or show you the certified and validated motorized report from their data furnisher. They initially claimed that XXXX was their data furnisher nad I contacted XXXX who later assured me that the information they have can not be verified, validated and so they were removing it. Why would XXXX  want to hold onto the reports just to continue disadvantaging me? This issue has not been resolved thus, must not be closed. The investigation is incomplete.
Consumer complaint received 2020-06-22
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (SC)

I was on a COVID-19 Deferment Plan that I sign up for and was approved for in XXXX with Midland Mortgage. They reported that I was 30 days past due. I was told that there would not be any negative reporting to my credit report.
Consumer complaint received 2019-05-19
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: NAVY FEDERAL CREDIT UNION (VA)

My previous complaint number XXXX filed on XX/XX/2019, is related to this complaint. On XX/XX/2019, I called NFCU and left a message that I want in writing a letter stating that the credit card charges were an error reposted by Navy Federal Credit Union and the charge should not have been reposted to my account. This assures me if the charge is ever reposted by Navy Federal I have documentation to support removing the charge. On XX/XX/2019 I received a call from XXXX a Navy Federal representative stating the charge was removed. I informed her I want it in writing and left a message for the representative. XXXX said she would follow up with the representative to insure a letter was sent. I have heard nothing back from XXXX or the representative.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (GA)

My name is XXXX XXXX I was with CarMax for 5 years and have never been late. CarMax XXXX XXXX has refused to REMOVE AND stop reporting " LATES '' on my credit report. I have never been pass the grace period as u will see reflected, my payment was due on the XXXX monthly and needed to be reflected by the 10 day grace period. I was never notified of the alleged 2 late payments for my XXXX XXXX XXXX vehicle in XXXX and XX/XX/XXXX. As you will see they were paid on XXXX and XXXX which means they were paid on time. I am asking CarMax to remove the late entries, they are taking advantage of young adults wanting to purchase homes due to not having a financial relationship with them any longer. I pulled my credit report on XX/XX/XXXX, XXXX and XXXX reporting late twice in XXXX for XXXX. I will protect my credit at ALL costs. CarMax Customer Service @ XXXXwas extremely rude and stated " We are not going to remove anything ''. I am asking we resolved this conundrum for I am trying to better myself and CarMax is prohibiting. I do not want this to happen to anyone else. Shame on CarMax ... 

Taken Advantage of, XXXX XXXX XXXX
Consumer complaint received 2021-02-26
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC. (AR)

Discrimination on a population, race, or gender. I am a XXXX woman owned business working to create affordable housing and revitalize my community through community development in Arkansas. I was wrongfully denied a mortgage loan for an investment property after being told verbally that they didn't see any problems with the loan. I have collateral, good credit, relationship with the bank for 35 years and they see my monthly cash flow. There is no reason I should have been denied. I feel that the bank mislead me to think that I would be financed. This was wrong and I want justice because this isn't the first time that I have been wrongfully denied a loan at this bank.
Consumer complaint received 2021-02-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (CA)

This loan was charged off at {$3300.00} ( approximately ) in XXXX. When I hired XXXX XXXX in XXXX to challenge this item on my credit reports, Opportunity Financial changed the amount and retaliated against me by increasing the amount due on my credit reports to over {$5100.00} with no justification. Opportunity Financial has a legal obligation to accurately report the past due debt. Likewise, the creditors have an obligation to report accurate information which has been wrong now for more than 3 years.
Consumer complaint received 2016-07-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX XXXX, XXXX To Whom It May Concern : Please note that I was unaware that BOA had sold my mortgage to you in XXXX XXXX. The first phone call I received was XXXX XXXX, XXXX asking for me to call XXXX Mortgage at XXXX. 
I had been corresponding with BOA pertaining to my hardships and was not aware that my mortgage was sold. I was even advised today that the number that is my contact number was listed as a do not call number. Was told by the representative that is was possibly a " slip '' of the finger. I have taken a job in XXXX TN and my son advised me last night that I had received a notice to appear in court on Monday, XXXX XXXX, XXXX. That is short notice and have priced tickets to try and make the court date and can not afford to do so at this last minute notice. I did not even have my loan number had to be advised of it today. 

Please find enclosed my loan modification packet and I can be reached at XXXX. 

Thank you,
Consumer complaint received 2021-02-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (TX)

My vehicle at the time was reported stolen in early XXXX  and settled with insurance which paid only blue book value at the amount of {$4600.00}. At this time, Credit Acceptance was showing a remaining balance of {$4300.00}. I'm not denying there was a balance. I am denying this account being OPEN. They are reporting an open account on my credit and adding monthly fees as if I am in possession of this vehicle still. Although they updated amount of remaining balance in XXXX oXXXX XXXX as {$4300.00}, they reported a remaining balance of {$4200.00} in XXXX of XXXX. That amount remained the same until XXXX of XXXX which at that time was listed as {$5100.00}, which an additional total of {$860.00}. Every month after it has been additional amounts ranging from $ XXXX {$70.00} in different amount each month up until the current month, now showing I owe {$5600.00} as of this month. I have disputed this account and amounts a few times from different credit sites and they seem to continue to report this account as being open. I would like it to appear as closed as it is a closed account. I can not get my credit score under control because of this company.
Consumer complaint received 2020-07-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX was found guility for predatory lending and collection. These accounts are to be removed and discharged per the lawsuit. XXXX still appears on my credit.
Consumer complaint received 2020-07-14
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: DISCOVER BANK (FL)

In reviewing my credit I have two accounts that are not mine. 

Discover Financial Services opened XX/XX/XXXX balance XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX Find out to whom these belong to because they are not mine. I called both banks and they do not have my social security or my name on these files.
Consumer complaint received 2021-02-26
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MI)

XX/XX/XXXX Citi bank reported 1 late payment to the credit bureaus while I was battling XXXX XXXX illness with XXXX that my county ordered me quarantine notice and the rest of my family and XXXX year old son as well. While facing the corona virus, on XX/XX/XXXX I tested positive and an clear explanation by me to the Citi management team to make accommodations to reverse the negative report that has affected my score and in a pandemic and truthfully sick they replied to me and said were sorry we can not do anything about it, I figured if they were in my shoes maybe they would of had some sympathy. Although a payment due on XX/XX/XXXX for XXXX that includes XXXX and XXXX amount and I processed electronically and Citi bank received XXXX $ to satisfy the total amount of due and the date of the statement and the date I submitted a payment is within fair credit for the consumer, in XXXX I had absolutely no way of leaving home while I was a high risk due to my illness of XXXX I have official documents from XXXX county health department with an order.
Consumer complaint received 2021-09-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Firm of Krisor & Associates (IN)

I have spoken to the Kisor Associates several times about payments. They stated that they have been receiving payments however I just was notified by a friend from a previous address I used but did not reside at they were taking me to court. The first notification was sent to my permanent address in XXXX. Now in XXXX they used an address I have never resided at, luckily my friend still resides there to inform me. The company wants to know my personal information which I believe is not necessary due to me paying them bi weekly,
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (FL)

The company keeps calling me at least 5 times a day, when I pick up the phone it goes straight to a dial tone it doesn'tring and noone on the line. I can't even tell them to stop calling, I also block the number and they keep calling from other numbers. I do not owe this company anything and have never communicated with them.
Consumer complaint received 2020-07-14
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: PNC Bank N.A. (PA)

Today, XX/XX/2020, I am finalizing a XXXX XXXX XXXX XXXX due to Covid-19 and the company managing and likely transferring the grant needs to  transfer the funds into my PNC account if awards. I tried to sync the small business group with my PNC bank account so the funds can be dropped into my account but PNC denied access.
Consumer complaint received 2018-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (NY)

I've been contacted numerous times by XXXX XXXX XXXX for months regarding a debt I owe. I ignored the calls for the most part because it seemed like a scam from the beginning. However, I finally obliged and called them back requesting additional information on this charge they are collecting ( {$1700.00} ), they did not have any details but promise to send them via mail. Nothing was received, and I communicated to them that I am no longer taking any calls as I haven't seen anything on my credit report on this alleged debt. I check my credit report yesterday ( 2 months later ) and my score had dropped significantly due to a delinquent debt by XXXX XXXX XXXX. I've contacted them several times within the past couple of days which resulted in their failure to provide information, hanging up, unable to provide a valid email address or website, and just very suspicious operations. I've since communicated to them that I have filed various complaints ( identitytheft.gov, FTC, police report ), and will proceed to take legal action if not resolved by them. They have then blocked my calls, or hang up the phone when I use a different contact number of theirs. 
I do not have any documents from them with information on this debt. They have only operated over the phone, requesting immediate payment via credit card.
Consumer complaint received 2022-09-11
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: Experian Information Solutions Inc. (NJ)

do to the XXXX XXXX  giving false pre-approvals, in which resulted in denials also caused many inquiries on my consumer report. The inquiries are effecting my chances of getting approved for any opportunities available to better my livelihood and the way of life.
Consumer complaint received 2020-07-14
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. (FL)

I have ask Equifax numerous times for Equifax to show me a signature that I was the one to open regions bank loan I have told them over and over that this account was not opened by me by law they must send me proof meaning a signature. This is not mine called a lawyer he stated for a loan Equifax must provide a signature or delete from credit report.
Consumer complaint received 2018-02-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I sent {$4000.00} wire transfer through my XXXX account to Coinbase on XX/XX/XXXX.  After week later, I still didnt see my wire into Coinbase account. When I sent them an email since it was impossible to get them on the phone, all I got was generic email reply saying I should have funds within 10 days. Today is XX/XX/XXXX and it has been almost two weeks and I still havent received funds in my coinbase account and they do not reply to my emails anymore. Case #  XXXX
Consumer complaint received 2016-07-10
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MS)

I was approached by a company called big picture Loan 's and was approved for an amount of XXXX but I only borrowed XXXX and I was told that I would only have to pay XXXX back in total and that I will only pay around XXXX a month until it 's paid off but the first 2 payments that was taking out my account was for XXXX dollars so I called and the lady told me that I will be paying that for the first five payments for a finance charge and that none of that will go toward my principal and I was not informed of any of this at the time I did the loan
Consumer complaint received 2016-11-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank Of America Have Become Very Inhumane And Their Fees Are Just Unjust! In Less Than XXXX Weeks I Was Charged XXXX Fees Totaling {$490.00}. Some Of These Charges Are For The Same Items - Same Item Charged XXXX Fees ( Fee Charged For Paying Item, Fee Charged For Un-paying The Item And Then A Fee Charged For Overdrawing Account. Called Bank Of America And They Were Not Understanding Of The Depressing And Hardship These Fees Have Caused.
Consumer complaint received 2024-03-15
Product: Credit 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: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX, I ordered some shoes on a online retailer named XXXX  for the amount of {$470.00}. On the XXXX of that month, They sent me a email saying that it was delivered. I NEVER saw a package in my home. My sister was home at the time and didn't hear anything from the door. On XX/XX/XXXX, I called Chase ( because they sent me a email and a message to call them ) and they stated that XXXX sent more evidence that the package was deliver and wont dispute the case. And it didn't end in my favor.
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

We took out a mortgage of {$440000.00} on XX/XX/21 on a new home with US Bank. We sold our prior home on XX/XX/21. We applied the proceeds from the sale of our prior home to the US Bank mortgage the following week. When the US Bank mortgage reflected the new remaining mortgage amount of {$4300.00} I requested they drop the PMI. In response they sent me a letter informing me that to drop the PMI would require a {$140.00} non-refundable assessment to determine " that the property value has not declined ''. They also stated that the assessment would have to be scheduled and then the report would take up 10 days from the assessment before they could review it. They also demanded that I present them a certification my expense that there are no liens on the property.
Consumer complaint received 2024-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (MI)

Mr. Cooper is the Servicer on my Mortgage and have raised my monthly mortgage payment XXXX without sending any Notice by Mail before raising my payments. They have sent a ( Cease and Desist letter placing it on my Mortgage Account. I have NO CONTRACT with Mr. Cooper and they have NO RIGHT to Raise my monthly payments or put a CEASE AND DESIST ON MY ACCOUNT. This raise in my monthly payments are putting a stress on my ability to make my normal payments of XXXX. I feel if Mr. Cooper continues to force this XXXX Fee I should be able to take legal action against them and seek compensation for the stress it is causing on me. This Company has numerous Complaints filed against it already for various violations against people..
Consumer complaint received 2022-12-14
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following accounts to be updated immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following accounts to be updated immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In 2017 I cant remember the date my name is XXXX XXXX I had a bank account with Bank of America I remember my ex girlfriend using my XXXX  card for unauthorized transactions I was never able to dispute it because I was incarcerated at the time and its stopping me from getting a bank account with all major banks I would like to resolve this so I can have a bank account