davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

the problem I am having withe these credit reporting bureaus they don't do a proper investigation to the disputed items I have on numerous occasion submitted disputes with XXXX/XXXX/and transunion that meet all the fcra guide lines and they come back verified and updated in 10 days or lees as then I ask them of there method of verification and I have also requested these things in writing and I Never have gotten them either all I want is a fair and accurate credit report that's afford to me by the fcra these company are breaking the law in a numerous ways by not being transparent and they will not comply to the rules of the fcraXXXX lies about how they verify accounts they verify my accounts as accurate and these accounts are not attached to an address or my name and they refuse to there jobs by removing them and transunion sends stall letter thing to buy more time or on most cases they just don't respond or when they they just refuse todo an through investigation so they ksut verify and says it updated and XXXX never responds within the 30 days allotted and they always come back updated and verified with no thourgh invetigationand most of all none of these bureaus do a thorough investigation on any of these disputes and the consumer has no chance at a fair and accurate report as supposedly afforded them by the FCRA
Consumer complaint received 2020-07-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MN)

I submitted my third loan modification application with US Bank because they dropped me from their program due to saying that they didn't receive requested documents from me, but I did send these documents numerous times. I'm working with the US Attorney General 's office. I filed an appeal with US Banks advocacy center and was told that they would make a decision on my appeal by XX/XX/XXXX, but only received a letter stating that they received the new application for the loan modification program. I have been doing everything I can to save my house from foreclosure, but US Bank is not helping matters by refusing to accept the documents I've sent. Please help me with this matter if there's anything you can do to help me. 
Thank you, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (NJ)

This is the second complaint for a previous complaint that has not been resolved by PNC Bank. Originally filed on XX/XX/22 for an illegal bank issue that occurred on XX/XX/22 and was brought to PNCs attention on XX/XX/XXXX and assigned a case # by PNC on XX/XX/22 for fraud. CFPB complaint # XXXX was NEVER resolved by PNC and for them to say otherwise is a false statement. On XX/XX/22 an employee of PNC ( XXXX NJ ) abetted in an unlawful act with their nefarious client by allowing a check in the amount of {$13000.00} made payable to The ESTATE OF XXXX XXXX to be expropriated into THEIR clients PERSONAL ACCOUNT. What makes this more egregious, is facts and red flags that should have legally safeguard this estate check. First, the check is clearly made out to only the estate of XXXX XXXX BUT the check ( on the back ) is signed by the deceased. Second, it is endorsed by their nefarious client and deposited into their PNC checking account. Third, Im sure this check was held until it cleared through PNCs safeguards for fraudulent activity, yet it cleared into their clients account via a criminal act. Lastly, PNC admitted to me on a phone conversation ( which according to them is a recorded line & I recorded as well ) that a fraudulent act did occur but is under investigation. They refused to return the money that was stolen by their client, which was abetted by their employee and states the responsibility lies with the issuing company, XXXX XXXX. I was on a 3Way call with PNC, XXXX and myself when PNC told XXXX it is policy and banking protocol that XXXX bank file for fraud due to funds not being received by the estate. XXXX contacted their bank, Bank XXXX XXXX, and they said that there are banking policies and governing laws that ALL banks must follow and yes, the two banks would work together to ensure the check is INTERCEPTED and funds returned to the proper and legal parties BUT when PNC ALLOWED the check in question to be ILLEGALLY DEPOSITED into THEIR bank by an UNAUTHORIZED party- ALL LIABILITY FALLS ON PNC XXXX. At this point XXXX  XXXX XXXX and XXXX will not entertain PNCs tactics to avoid responsibility for their role they have played in allowing a criminal act to continue without any accountability on their part involving their employee or the criminal themself. My XXXX XXXX is the victim and her estate is not able to move forward without PNC stepping up and acknowledging the clear FACTS that their employee, either unlawful or recklessly, allowed a thief to steal {$13000.00} from an estate and when the funds are rightfully returned to the estate, PNC can legally go after XXXX XXXX for stealing {$13000.00} from PNC bank.
Consumer complaint received 2023-03-16
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. (MD)

I appreciate you taking the time to CORRECT the information in my credit file ; however, there is still account that needs to be UPDATED. The 3 credit Bureaus require to validate the listed account. I hope this disputed account is updated. 
XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2023-03-16
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. (AZ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$860.00} DEPT OF EDXXXX XXXXXXXX Balance : {$6300.00} DEPT OF EDXXXX  XXXX Balance : {$9600.00} DEPT OF EDXXXX XXXX Balance : {$4200.00} DEPT OF EDXXXX XXXXXXXX Balance : {$4600.00} DEPT OF EDXXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance :
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (AZ)

I opened a new checking account with U.S. Bank so today I went into the branch and made it {$300.00} cash deposit. I downloaded the app that they have on available for the XXXX when I open the account two days ago so today after making the deposit I tried to send a XXXX payment for {$200.00}. The app kicked me out and then they disabled my online account no warning no email when I called customer service they told me that their securities and fraud team put a hold. But I can not speak to anyone in the securities fraud department. Any other bank will ask you to verify information. Confirm some information then remove freeze or alert. So I feel this is extremely poor and unprofessional customer service. U.S. Bank tries to say that they take security serious and I told them all banks do and that dont have the same problem with the larger banks like XXXX or XXXX XXXX XXXX Ive sent money many times via XXXX with XXXX XXXX. If theres any concern, then you can actually speak to someone in the securities and fraud department.
Consumer complaint received 2023-03-01
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX CO XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX Balance : {$3500.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-07-17
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: TD BANK US HOLDING COMPANY (IL)

I had a Target store card. The balance was {$6.00} which I paid in full and closed the account. The next thing I know is that Target charged me a late fee of {$11.00} on a  XXXX  balance and it now shows on my credit report as bad debt.     I 've tried to resolve it with them through a dispute but they answered with an " update '' and nothing has changed!     I have always had excellent credit and this {$11.00} charge is now affecting me on my upcoming purchases.     Please look int this for me as they should be removing it from my report.     Thank you!
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America over charged me for 8years on my prepaid credit card and whenever I spoke to them they just said its what our fees are. I was never given my unsecured card after faithful payment to them. XXXX they canceled my care took my {$5000.00} and is now charging me an additional {$400.00}. The settle.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 2023-05-14
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. (IN)

Equifax as of XX/XX/2023 has reported me as deceased and XXXX of my accounts have been reported as closed. I have diligently been working on improving my credit over the past two years and yesterday my Equifax score plummeted from XXXX to XXXX. And this just so happened to occur days before I was set to be approved for a first time home buyer program. As you can imagine this is absolutely devastating and I'm frantically searching for answers and a rapid solution to resolve and correct this matter. I believe that my rights under the Fair Credit Reporting Act have been violated. And I am seeking legal action against Equifax at this time.
Consumer complaint received 2023-05-14
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)

On XX/XX/2023 Equifax started report me and countless other users as deceased. 
I feel that Equifax should be shut down as it has proven time and time again that it is unable to operate in the best interest of consumers.
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (NC)

Debt is damages from an apartment complex we lived at for XXXXXXXX XXXX. Apartment charged us for full replacement without reducing for depreciation and charged for things that are illegal to charge for. I communicated the law to them with links to the government sites that stated what they could charge for and that certain items had to be depreciated. I asked for receipts for the repairs they billed us for and they refused. They told me my only options were to pay, setup a payment plan, or they would send me to collections. I continued to dispute the amount with them and they responded by sending me to collections and refusing to communicate any further with me. I sent a letter disputing the debt to IQ Data Corporation ( the debt collector ) which they acknowledged receiving and said they would get a judgement against me for the debt. It has been over a year since they communicated that and nothing has happened while my credit has continued to be damaged by the debt.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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 XXXXXXXX
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

XX/XX/2023 XXXX XXXX violation of my rights by reporting to all the credit bureau of my credit account and inquiring, were they are shown also XXXX XXXX  has sold my information to a three party customer service company for pennies on the dollar. They have also reported to all three major credit bureaus as a charge off on my credit report. Which they have filed a 1099a & 1099c from in received payment of {$600.00} dollars + interest wages. Which states my debt is paid in full. I will like the charge off removed from all three credit bureaus immediately with a 30 day period immediately.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

There are inquires on my credit report that I did not authorize. I verbally gave my credit score to the dealership representative, explicitly stating that I did not want their company to do any credit check but inform me, based on my score given VERBALLY, if there is any chance that I may qualify due to the fact I was only weighing out my available options towards purchasing a vehicle if so decided. Also, there was no signature involved granting permission to access my credit report to any car loan lender. I wrote a letter to each credit bureau indicating this issue and nothing has been done as yet. Below are the attached documents sent to each individual bureaus indicating the specific hard inquires on my account.
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (AZ)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Southwest Credit Systems, L.P. (TX)

On XX/XX/2024 South West Credit Services reported on my account that I owed {$1200.00} to a company that I had no affiliation with. I asked them for a debt validation but they never said they would send my a debt validation. As they looked further into the account they stated the account was through XXXXXXXX XXXX whom they are no longer associated with but it was now through XXXX, XXXX and XXXX XXXX are not associated in any way. I reached out to XXXX on XXXX XXXX XXXX whom I actually been with for 4 years and they stated they do not have any other accounts in regards to me that shows im in collection. This insisted this debt collection was not from them. SouthWest Credit Services not only has the wrong information on file they also gave me false information in regards to where this debt came from. My score has dropped tremendously and I have no understanding on why this was added to my account.
Consumer complaint received 2023-03-01
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. (WI)

I have some credit accounts all my credit report I have 14 delinquents on my credit report saying that payments are reported late I have bank statements that shows the months that they saying I didn't pay I paid in months that I did miss I paid 3 to 4 times and one month to these accounts and I tried to call them to fix them and send the three credit bureaus might prove of my bank statements and this matter haven't been inside I didn't know that you you paid the payments but still get reported as late is well I don't know what to and I'm asking for them to be fixed because the months had got paid and I am getting taking advantage of by the credit bureaus and the Creditor I'm showing my bank statement that ACH and debit payments that I paid them and they still are reporting them late I just don't know what to do and I don't know if y'all can help me
Consumer complaint received 2023-05-17
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$6800.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$18.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$9800.00} XX/XX/XXXX