davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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. (TX)

XXXX XXXX  Account ( Account Number:XXXX  ) Thank you for your previous response on XX/XX/2022 for the above account, however I am still in disagreement with the results of the investigation into the inaccurate items reporting on my credit file. I have yet to receive any verification or documentation proving that my payment history is being reported accurately, specifically in regard to the late payment. As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to investigate any dispute I bring to your attention and to correct any inaccurate information on my credit report. The FCRA requires that you provide me with the results of your investigation in writing, including a description of the nature and substance of the information received from the original source, and a notation that the information is being disputed. Additionally, under the FCRA, you must provide me with all relevant information used in reaching the conclusion of the investigation, including any documentation or verification from the original source. This is to ensure that I have the opportunity to review the information and determine if it is accurate. Given the provisions of the FCRA, I expect that you will have no choice but to update my payment history to current and my status to paid as agreed and never late. I look forward to your prompt resolution of this matter.
Consumer complaint received 2020-07-06
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. (CO)

Below is the dispute I sent to XXXX XXXX, XXXX, Equifax and XXXX  ( exhibits do not show ) but the info is there. I disputed the date of last activity and the way the account was reported. The date of last activity is not being reported as the same date on all credit reports. Nobody did an investigation. I checking my credit reports every day and account was never noted as disputed. This is a legitimate dispute. 





XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX I am disputing the accuracy and completeness of XXXX/XXXX  XXXX. To demonstrate the account is not complete or accurate I have supplied : Exhibit 1 ( Equifax  reporting of this account ) Exhibit 2 ( XXXX  and XXXX  reporting of this account ) Exhibit 3 ( XXXX XXXX manual reporting guidelines for paid charge off account ) Exhibit 4 ( XXXX XXXX manual compliance code guidelines for reinvestigations ) This dispute letter is structured to send to original creditor, XXXX, Equifax and XXXX  because the contradictory reporting is evidence to all parties, demonstrating a new investigation is required by all parties. In addition to the investigation being required, I am requesting the investigation be reported accurately according to XXXX XXXX manual guidelines ( Exhibit 4 highlighted in pink ) beginning with using compliance code XB. 
Exhibit 1 ( Equifax lender report ) Exhibit 2 ( XXXX  and XXXX  Report XXXX Inaccuracies : 1. XXXX ( Highlighted in yellow ) a. Equifax reporting XXXX of XX/XX/XXXX. XXXX  reporting XXXX  of XX/XX/XXXX. It can not be both. I am requesting an investigation into the accuracy of XXXX. 
2. Account Status ( Highlighted in green ) a. Equifax reporting Charged off Account. XXXX  reporting Charged off account. XXXX  reporting Purchased by another lender. Exhibit 3 is from the XXXX XXXX manual. It outlines how a paid charge off account status should be reported. Should be account paid in full, was charge off. 
Incomplete : 1. Payment ( circled XXXX a. Scheduled monthly payment amount is blank. Exhibit XXXX demonstrates this is incomplete. 










Exhibit 3 ( XXXX XXXX Manual reporting guidelines for paid charge-off accounts ) Exhibit 4 ( Compliance code conditions and reporting guidelines ) Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (NC)

I requested validation of alleged accounts with SCA Collections Inc. First letter submitted validation request certified mail via USPS on XX/XX/2020. SCA sends a itemized bill via USPS XX/XX/2020. 2nd request validation letter was sent on XX/XX/2020 via certified mailed USPS. No response received.
Consumer complaint received 2020-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

We have our loan being serviced through PNC. Bank - we set up an online account this week with PNC.com and input our checking account information so that we may be able to start making recurring principal only payments to the bank. We already have our mortgage set up to be paid monthly through our checking account and are current and never been late. There is NO option for us to submit a principal only payment and the servicer stated that the only way we could even attempt to do that is we have to set up a checking account with PNC ( which we do not want to do ) OR we have to mail in additional payments. On their website they do not even give an option for principal only if we were to set that up so they can easily apply that to additional interest which we do not want. Our loan came with having no prepayment penalty and we want PNC to offer the option of making principal only payments on their website to all customers without mandating we have to set up an account with them and without them applying a directed principal only payment to anything other than principal.
Consumer complaint received 2020-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (MD)

XX/XX/ RMS send me a letter after I disputed the claims of the bill with XXXX XXXX after speaking to my insurance who assured most of the bills were not mine - they did not properly file claims with them or do proper adjustments - XX/XX/XXXX- claims were not paid because insurance requested corrected claims never got sent to them & over charged were charged for services not received They just sent statement of their records and not accurate or in compliance with insurance per my insurance - I have contacted insurance commissioners. I have called months with no return call from - XXXX XXXX - Account Disputes Manager - I have left several messages as well as my insurance
Consumer complaint received 2020-04-09
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: Continental Services Group, Inc. d/b/a ConServe (FL)

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2020-05-07
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: CITIBANK, N.A. (NJ)

I have tried multiple times via certified mail, email and phone calls to resolve this issue. 
I was charged for a service I never received after many phone calls emails and certified mail I've been told they can not help me. 
I'm including copies of the communication between myself and the Citi Credit Card. 
I'm being charged {$620.00} for a service that I did not get. 
Please help!
Consumer complaint received 2022-10-07
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. (VA)

I have made several disputes directly with Experian regarding improper use of my credit report. Experian is not conducting an investigation regarding my claim. They closed two disputes and stated it was a duplicate complaint. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Bank account number starting with XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

My problem at this time is that I was mailed a CITI ADD-ON REMEDIATION check for {$350.00} as required by a " class action settlement '' but was out of state for a year and a half and unable to receive the payment. Upon discovering this I proceeded to make an effort to have the check resent. I thought I had the issue resolved when on XX/XX/XXXX I spoke with a customer services representative from Home Depot Credit Services who, after putting me on hold, was able to provide an address and fax # where I could send a copy of the original check, cover letter that came with the check, a copy of one of my Home Depot credit statements, and my fax cover sheet explaining the situation. After faxing the required documentation I waited more than three weeks and decided it was time to call again. 
I have made no less than 10 calls to Home Depot Credit Services and to CITI Bank which each require a lengthy ordeal of going through the automated prompts and navigating a system which no longer includes my credit card account # because it is no longer in the system. When I call Home Depot Credit, they tell me I need to contact CITI. When I call CITI Customer Service they tell me I need to call Home Depot. There is a phone # on the check cover letter which has been disconnected. No one I talk to seems to be aware of this remediation program or how to direct me. 
I have researched the CITI Card Add-On-Remediation and I must say that your agency did get it right. I had been through an equally frustrating ordeal in or around XXXX when I discovered I had been charged {$12.00} or {$15.00} dollars per month for years without my consent or knowledge. At that time I went back and forth between Home Depot and the Credit Card company with each saying the other was who I needed to talk to. When I was told that I had signed up for this " Payment safeguard, Job Loss Protection '' I knew that would make no sense because I am XXXX and would not be eligible to file a claim. I found it humorous when I asked Home Depot to provide proof that I had signed up for this service, they sent me the last page of the credit card agreement which showed nothing but my electronic signature from a cash register receipt. At that time I resolved that although it wasn't right, I needed to take some responsibility for not looking closely enough at my credit card so I chose to move forward and take most of my business to XXXX. 
I am an XXXX employee of the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and as such am sometimes called away on XXXX for significant periods of time as I was for a year in XXXX XXXX and in XXXX Florida before that. It was during the time that this Remediation check arrived at my home address. Of course the check indicates that it becomes void upon 180 days of issue. 
I have spent hours on this as I did back in XXXX and I have gotten nowhere.Your help will be greatly appreciated. Thank You.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (MI)

I have one accounts with JC Penney ( see attached documents ) for over 15 years. Many years we have had a good relationship with each other. I have never had a late payment with them. 

I got XXXX  with the XXXX. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. I am still trying to work something out with them.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Received two separate emails in regards to two new accounts being opened under my name and SS # with Bank of America on XX/XX/2022. Contacted several local branches and they were no help. Called several phone numbers on their website and was finally able to get ahold of a representative. Received a fraud email containing documents to fill and resubmit, by mail or fax. I do not have any accounts with Bank of America other than the two fraud accounts that have recently been open. I want confirmation that the two accounts have been closed. I will be contact BOA about the forms they asked me to fill out with my personal information. I don't fill comfortable with give them any of my information.
Consumer complaint received 2021-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (FL)

I chose to opt out of overdraft protection to avoid being hit with the {$37.00} fee that the bank says I won't get charged if I do this. I lost a source of income and fell into an insufficient fund situation in XX/XX/2021. The bank was making payments above my balance. I received a government payment that allowed me to pay off bills I needed to. But then on It started on XX/XX/XXXX with a {$190.00} payment to XXXX XXXX, and I was charged the {$37.00}. Then a payment on XX/XX/XXXX to XXXX for {$160.00}. And payments will into XXXX. There was a credit memo balance credit added, which only made things worse because it's not apart of my accounting system and cause even more problems with overdrafts. I received another government payment on XX/XX/XXXX, and the credit memo/ debit memo was taken out late, and taken twice. My balance is incorrect and now I'm being hit with even more charges.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2022-04-08
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 is 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 2022-04-08
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I deposited a 0 % interest 12 months convenience check for {$15000.00} from XXXX XXXX  into a newly open checking account with Truist bank at XXXX XXXX XXXX XXXX XXXX in XXXX, West Virginia. When I deposited it at the bank, they said because the check was so over {$10000.00} that they would have to hold it for seven days and I said that would be fine. After seven days I saw it on my mobile Truist bank account. I then received a letter from Truist bank dated XX/XX/XXXX stating that they closed my checking account For potential check fraud, and that my check that I deposited would have to be researched. I first tried to fix the issue in person at the Truist Bank but they were not able to help me and told me they could hold my funds indefinitely. I have called their fraud resolution department 2-3 times per week since that date and sent them emails on XX/XX/XXXX and XX/XX/XXXX with statements from my XXXX XXXX showing them that I have a true liability for {$15000.00} owed to cXXXX XXXX XXXX XXXX it was a valid check. I am currently paying monthly payments to XXXX XXXX  on the $ XXXX loan without having access to the money STILL being held by Truist bank fraud resolution department almost 6 weeks later. I am at my wits end with no resolution to receive my money. I am never able to speak to anyone that can truly help me when I call. I hear the same thing every time I call.that they are making notes on my case ID number and thats it. At this point, Truist bank is fraudulent in holding my money that is legitimately mine and taking advantage of a consumer. I need help please!!!! I feel completely powerless.
Consumer complaint received 2022-04-08
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)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. It's been over 35 days and you are still reporting these items without permission and that is fraud.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (WA)

Reference ID : XXXX Since XX/XX/2023 my account was frozen with message " Your account access is temporarily limited ''. I have tried to contact PayPal customer service many times and I they don't provide any information about why my account is frozen. I have also never received any emails related to the case and emails that I was promised by PayPal customer service, with explanation why PayPal is holding funds.
Consumer complaint received 2022-04-08
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)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$2600.00}, NXXXX XXXX Balance {$2300.00}, XXXX XXXX  XXXX Balance {$3100.00}, XXXX XXXX XXXXXXXX Balance {$95.00}, XXXX XXXX XXXX Balance {$380.00}.
Consumer complaint received 2023-03-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (TX)

I been giving out my social my whole life and now apon discovery I might have any rights because of my data is everywhere. I fear for my life and my family and I'm terrified of the same laws that suppose to protect me. 

Do the color of law, American dream apply to me and my family? Do the CRA of XXXX apply to me? Or maybe the XXXX Act of my own XXXX birthday XXXX???? 

Where's the Declaration of independence I need to sign the dotted line where the insanity cease and desist on what ever. 

Who Evers reading this where Is the opt out button. XXXX, XXXX, XXXX, XXXX the XXXX XXXX Police department for violating all my rights and every last XXXX of my family.. 

Paid off my mortgage come to find out Its been paided off. I am still paying the insurer for a loan that's been paid off for XXXX  years.