davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NM)

On XX/XX/year>, I received a notification from XXXX informing me that TRANSWORLD SYSTEM INC/ has flagged my credit as Collections on XX/XX/year>. 

They are attempting to collect a balance of {$480.00} from an account that I have never opened and at an address where I have never resided. Last year, they did the same, and after my complaint, it was removed from my credit report. 

I have been charged this money in the past on several occasions, and they have been unable to prove that it is my account. I urgently request that this cease. I require evidence that I opened this account. I demand that the following information be provided : - Full name and social security number ; - The name of the original creditor ; - The creditors account number or reference number ; - The billing address of the account ; - Any other specific information relating to the consumer so that a full search can be completed. 

I demand that you provide the requested information, as you claim that I owe this money. 

Furthermore, I insist on proof that I opened this account. 

I warn you that I will take legal action against you. 

I await your response.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am disputing information on my credit report and Trans Union is using Stall tactics which is a refusal to re investigate information on my consumer report that I did not give them permission to Furnish. They sent me a computer generated letter denying the re investigation on my report. By law I have the right to either hire a XXXX party or I myself can dispute any innaccurate information on my report. They were sent the proper verification, ID, Social Security, and proof of residency and still refused to reinvestigate. Attached is the proof of refusing to abide by the law. please stop with the stall tactics. You are affecting my livelihood and my job is on the line. Your refusal to re investigate and be fair and partial is shameful and unacceptable and you should be ashamed of how you break laws daily. Trans Union has been sued for frivolous reporting in the past and continue to ruin the lives of people. THis is notice to arbitrate and you have 15 days to remove this inaccurate accounts off my report.
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX, I received an invitation to apply for a loan modification and an application as a result of filing Bankruptcy in XX/XX/XXXX from Truist, my mortgage servicer. 

On XX/XX/XXXX, I submitted the complete application packet. The invitation letter said I would hear from someone within 5 days of submitting the packet. 

On XX/XX/XXXX, I called Truist because I had not heard from them within the 5 days. I was told to resubmit the application by the Loss Mitigation Department and resubmitted on XX/XX/XXXX. 

On XX/XX/XXXX, I was told to resend a third time and did so. 

On XX/XX/XXXX, I sent additional documents they requested including bank statements, my husband 's Profit and Loss Statement from XX/XX/XXXX through XX/XX/XXXX, and my paystubs from XXXX from XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX, I resent my husband 's Profit and Loss Statement per their request to submit a statement from XX/XX/XXXX through XX/XX/XXXX. I also re-submitted Page 4 of the Loan Modification Application per their request and included his income on the page. 

On XX/XX/XXXX, I received a voice mail from Truist asking me to return their call. When I returned their call, the Loss Mitigation Department said I need to speak with the Bankruptcy Department and attempted to connect me but the Department was closed. 

On XX/XX/XXXX, I called the Bankruptcy Department and received a message that they were closed. 

On XX/XX/XXXX, I called the Bankruptcy Department and they could not figure out why I received a call and confirmed that they received the Reaffirmation Agreement I sent on XX/XX/XXXX. I was told I had a Reaffirmation Hearing set for XX/XX/XXXX ; however, the representative retracted this statement and told me that was a hearing for my car loan, which I was already aware of. He told me to speak with the Loss Mitigation Department and attempted to transfer me but then hung up on me.

I called back and spoke with the Loss Mitigation Department. I was told that I need to resubmit my husband 's Profit and Loss Statement because they can not accept a partial statement. I informed the representative that I was told to, and subsequently sent, the YTD Statement from XX/XX/XXXX to XX/XX/XXXX ( I had also sent a full year to be on the safe side as mentioned above ). She said she would have to contact the Preservation Specialist to see what it is that they need and would get back to me. I told her I am tired of getting the run around and was going to file a complaint. 

I believe Truist has sent me a loan modification invitation in bad faith and that they do not intend to discuss any workout options with me. They do not contact me when they say they will and have to follow up with them frequently to get the status of my application. When I do that, they continually ask me to re-send documentation that they already have and they have informed me that there is no way I can speak with the actual Preservation Specialist handling my application.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.
Consumer complaint received 2022-11-24
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. (FL)

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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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.
Consumer complaint received 2024-08-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

My name is XXXX XXXX, and this is my response to CREDENCE RESOURCE MANAGEMENT regarding their collection practices related to an alleged debt, which I believe are in violation of several consumer protection laws, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681s-2 ( 7 ) ( A ). 

According to my credit report, there is a XXXX XXXX account listed that was opened on XX/XX/XXXX, with a debt amount of {$200.00}. I reached out to Credence Resource Management to clarify that I have been residing in XXXXXXXX XXXX, since XXXX. This situation has prompted significant doubts regarding the accuracy and legitimacy of the debt they are attempting to collect. To support my claim, I uploaded XXXX documents confirming my residence at the time the XXXX XXXX account was opened. 

Credence Resource Management has not ensured the accuracy and completeness of the information reported to the credit bureaus. They continue to report inaccurate and unverifiable information, which has negatively impacted my credit report and financial standing. 

I have provided proof of residence confirming that I was residing in XXXX when the XXXX XXXX account was established. Therefore, I request that CREDENCE RESOURCE MANAGEMENT promptly notify all credit bureaus to remove this account from my credit report as soon as possible.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/2024, XXXX  Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX  Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2024
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (GA)

I am filing a complaint regarding inaccuracies in the reporting of accounts held with Navy Federal Credit Union ( NFCU ), Amsher Collections, and Bank XXXX XXXX XXXX XXXX XXXX 

Navy Federal Credit Union ( NFCU ) : - Unauthorized transaction on XX/XX/XXXX. 
- Multiple attempts to resolve the issue with NFCU customer service, but no satisfactory resolution. 
- Requested reversal of the unauthorized transaction and transparency in the investigation process. 

XXXX Collections : - Received notice of debt collection for an outstanding balance of {$150.00} on XX/XX/XXXX. 
- No knowledge of the debt and lack of documentation or verification provided by XXXX Collections. 
- Requested validation of the debt and cease of communication until validity is established. 

Bank XXXX XXXX ( XXXX ) : - Encountered technical issue preventing access to online banking account on XX/XX/XXXX. 
- Reported the issue to XXXX  customer support with no resolution. 
- Requested prompt resolution of the technical issue and assurance of preventive measures.
Consumer complaint received 2024-04-18
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I purchased a home in XXXX from what was then Nations Bank. In XXXX after noticing inconsistencies in several refinances within Bank of America a complaint was made to XXXX XXXX. To date, I have never received the resolution to case XXXX. All mail for XXXX XXXX XXXX was forwarded to XXXX XXXX XXXX. I then noticed in XXXX that the address of XXXX XXXX XXXX was changed to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX that I never authorized or had any knowledge of. I have been a victim of identity theft any proceeds from the home was not received by me. Any checks issued was not signed by me or received by me. Communications pertaining to the complaint was never received by me or did I authorize anyone to speak on my behalf. In searching old documents, the names of XXXX XXXX and XXXX XXXX were fraudulently put on loan documents and accepted by Bank of America in taking over property or finances not due to the suspects. The loan # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
My name in reference to the loan had XXXX names as XXXX XXXX and XXXX XXXX XXXX. I am the person who bought the home with no cosigners. I signed my name as XXXX XXXX
Consumer complaint received 2024-01-23
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I went away last year from XXXX to XXXX my daughter said her and her babies father would stay here for the month I was away when I got home I couldnt believe what my house looked like they broke my oven, my sofa, and my over {$2000.00} bed I have 300 photos of everything they even pried open a 30 year old concrete safe they took all of my money it was thousands they took the tenant upstairs security money and they took a kids bank thst I save for their children for over 5 years it had to be over {$4000.00} I only put in there silver coins and bills finally he got a hold of my old cell phone and XXXX himself {$5000.00} and XXXX yo someone named XXXX {$2000.00} later the chase bank vice president helped me and told me the account owner od the XXXX XXXX XXXX XXXX I wrote a letter to the OCC also I cant believe after a year of sending tons of documents the lady says on the phone we believe you with the evidence you sent I but the problem is that the {$7000.00} is gone where do we get it from?? I said a huge corporation isnt insured for a lossy {$7000.00}?? They said no so this is why Im writing to your company trying to get help they besides stealing all my money also XXXX {$7000.00} to them self please help me because the police all I ever hear is we cant do anything about this this is UNBELIEVABLE I hope you can help me the notes I have said I was going to get free access to me via email but I have not received it yet PLEASE HELP ME THANK YOU
Consumer complaint received 2023-08-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Recovery Services, LLC (TN)

XXXX XXXX XXXX completed the move out on the home I rented from them that was left clean and in proper move out order and free of any damages ( I have photo proof ).. They charged me and are attempting to collect over {$6000.00} in damages and repairs with no proof. There is no mov out inspection form forwarded or pictures of any damages or any receipts. The home was under renters insurance and any damages if notified could have been filed there. I was not notified until almost a year after move out. I went to the home two weeks after move out and new tenants were there.. the home had the same fixtures, doors, windows, floors and everything that was there when I moved out, nothing has been replaced. 
I reached out to XXXX XXXX XXXX and their collection agency Absolute Recovery and provided my images ( date and time stamped ) and the condition at move out proof in an effort to have the damages removed as they are fraudulent. The home was left with normal wear and tear after 4yrs of occupancy. Neither of the two have responded and the letters were sent certified with signatures. 

This company is placing fraudulent inflated debt on my credit report with no proof. I only owe rent that is mentioned which would be the {$3000.00} minus {$1000.00} security deposit which is {$2000.00} which I am prepared to pay in full and have this removed from my credit report.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I would like to file a complaint regarding entries on my credit report which is a violation of FCRA 1681i and 1681n : " # # # Relationship and Comparison with 1681i and 1681n 1681e ( b ) is closely related to 1681i as both sections deal with the accuracy of credit reporting. However, 1681e ( b ) is more about the general obligation of consumer reporting agencies to ensure accuracy in their reporting procedures, while 1681i provides specific steps for handling disputes over inaccuracies. On the other hand, 1681n can be seen as a broader enforcement mechanism that applies to violations of any FCRA requirements, including the accuracy standards set forth in 1681e ( b ) and the dispute resolution procedures in 1681i. Essentially, 1681e ( b ) sets the accuracy standard, 1681i provides a process for contesting inaccuracies, and 1681n offers a remedy for willful failure to comply with these and other requirements. '' Navy FCU is reporting different payment activities with 3 reporting agencies ( XXXX, XXXX, and XXXX ) which is having a negative impact on my credit.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (FL)

My student loans have been paid through the XXXX  by the IRS department. My last payments, for the load in question, were paid in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received a letter from the Department of Education and IRS stating that the paid was received and my loan has been completely satisfied. No additional actions or payments were needed. 
Also, the account is more than 20 years old, and a new company obtained it in XXXX. Therefore it should be remove because it is over a decade of trying to have it removed.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

At the end of XXXX, I initiated the process to rollover my Health Savings Account ( HSA ) currently held at PNC to another institution. As part of the process, the information I received was that only the cash balance could be rollover not the invested portion. Therefore, I sold all my investments AND put a STOP in the AUTO Transfer from Cash to Investment to avoid funds going back to the Investment account. 

Earlier in the month of XXXX, I had to request a second sale of investment because more funds were deposited into my investment account. The request was to transfer the entire investment balance. Later for whatever reason, there was still a very small balance in the Investment account. However, to my surprise I couldn't transfer this balance out because the system notified me there was already an investment transaction pending. 

Since I had not made any request, to my complete surprise, the investment auto transfer option was modified. Not by me, but by PNC without my knowledge nor consent. This got to be in violation of some procedure. I contacted PNC and notified them that I wanted to file a formal complaint and demanded an investigation, because this is unacceptable. I demanded to know what happened and notified them that I would look for the proper regulator to inform them of this violation of care by PNC. 

Today, Wednesday XX/XX/XXXX, I logged into my HSA and AGAIN PNC changed my Investment Auto-Transfer to transfer excess cash into the Investment account. A second violation of the duty of care and after I had already called and notified the bank.
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I WAS LOOKING OVER MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY REPORT ( XXXX XXXX ). I DISPUTED THESE ITEMS WITH THE CREDIT REPORTING AGENCIES TO NO AVAIL. I FILED AN IDENTITY THEFT REPORT ALONG WITH A POLICE REPORT AND THEN SAW THAT THERE WERE MORE ACCOUNTS ADDED AFTER THAT. SO I THEN FILED ANOTHER POLICE REPORT ( XXXX. XXXX ). 

ACCOUNTS ARE BUT NOT LIMITED TO : XXXX XXXX XXXX XXXXXX/XX/XXXXTWICE XX/XX/XXXX XX/XX/XXXXTHERE IS ALSO A XXXX XXXX XXXX XXXX ACCOUNT THAT I DISPUTED WITH ALL THREE CREDIT REPORTING AGENCIES NUMEROUS TIMES. THIS ACCOUNT HAS BEEN REMOVED BY TWO OF THE AGENCIES ( TransUnion XXXX XXXX ). XXXX HAS REFUSED TO FOLLOW SUIT. AS THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-04-17
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credence Resource Management, LLC (ID)

Credence Resource Management , LLC is a XXXX Collector. XXXX, offer to resolve your XXXX account XXXX with a balance of {$450.00} for only {$200.00} if your payment is received in our office by XX/XX/2024. This is a savings of {$240.00}. You can also pay in parts. Call @ XXXX or XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTOP to stop This was paid in full and corrected but the original company. Closed in good standing the XXXX will not verify my contract and keep texting me. No mail has been sent to me.