davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2022-12-29
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)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Paramount Recovery Systems, L.P. (TX)

I am a XXXX XXXX veteran with a XXXX XXXX XXXXXXXX rating. XXXX XXXX XXXX has continued to place collection accounts on my credit reports. Some have been removed and replaced with different amounts and some placed on other credit reports with different credit bureaus. I have disputed the same accounts so many times that I no longer have the option to dispute them with the credit bureaus. Please any help with this matter would be great.
Consumer complaint received 2020-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Looking over my Transunion credit report I notice that on XX/XX/2020 the was a hard inquiry for XXXX XXXX. I never requested credit with this company XXXX XXXX XXXX. I sent a mail to both XXXX and Transunion advising that I did not authorize this credit inquiry and to please remove from my credit file.
Consumer complaint received 2020-03-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions, Inc. (SC)

I received a collection notice from Receivable Solutions , Inc . This agency is attempting to collect on two combined medical bills ( {$880.00} & {$1000.00} ) owed to XXXX XXXX XXXX. 

Since I applied for medical financial assistance, and awaiting approval, I was informed by XXXX ( XXXX XXXX XXXX ) and the billing department to pay at minimum {$5.00} on the bills to prevent to going to collection. I paid on both combined bills in XXXX., XXXX., and XX/XX/2020. The checks in XXXX. and XXXX. were cashed/accepted as payments. 

Besides the fact that the amount of the bills the agency is attempting to collect are inaccurate, these bills shouldn't be in collection in accordance to XXXX XXXX payment agreement and the Fair Debt Collection Act ( exceeds the amount owed ). XXXX XXXX shouldn't have sent the bills to Receivable Solutions. This complaint is against XXXX XXXX Billing Departments as well as Receivable Solutions. 

Please also see attached copies of checks and agency 's collection letters. I also taped recorded every conversation with XXXX XXXX employees regarding the bills, which can be shared.
Consumer complaint received 2020-04-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

While in the process of selling our home, my wife and I originated a loan process for another home in late XX/XX/XXXX. XXXX XXXX XXXX, at Fifth Third Bank located at XXXX XXXX XXXX, XXXX XXXX, Indiana XXXX, was the loan officer who assisted in this loan process. During this process she repeatedly told us that we could re-amortize the loan after our home was sold. During this process we were asked for a letter documenting our intent to use proceeds from the sale of our home towards the new loan. The mortgage process was closed on the purchased home on XX/XX/XXXX. Our old home sold and we closed on that sale on XX/XX/XXXX. By agreement, we placed {$100000.00} proceeds from that sale towards the Fifth Third loan and requested the re-amortization to lower our loan payment. After a period of weeks and after not hearing from Fifth Third Bank about the re-amortization, my wife contacted the Fifth Third Bank regional office in XXXX, Ohio. My wife was informed by that office that we had a VA loan and it could not be re-amortized. After hearing about this and contacting Ms. XXXX XXXX, she indicated that she had made a mistake and indicated that the loan could not be re-amortized. We asked that the {$100000.00} be returned and that request was denied. As a result of this, we had to re-finance a conventional loan. This refinancing cost us almost {$4000.00} in loan application and closing costs. We appealed for a refund of the application fee and Fifth Third Bank refunded {$390.00}.
Consumer complaint received 2020-03-30
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. (TX)

the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809
Consumer complaint received 2023-05-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO UPDATE/ CORRECT MY PERSONAL INFORMATION ON FILE WITH YOUR COMPANY. 

PLEASE UPDATE : MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. 
MY ONLY LEGAL NAME : XXXX XXXX XXXX XXXX MY ONLY SOCIAL # XXXX MY ONLY DOB : XX/XX/1993 SELF EMPLOYED I DO NOT WISH TO HAVE ANY TELEPHONE NUMBERS ON MY REPORT. 

PLEASE REMOVE ALL THE OTHERADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA, SINCE THEY ARE INACCURATE.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America prepaid debit card for my unemployment benefits. When I first inquired about where the card was I was told I was going to have to wait about 3 weeks to receive it. I asked if there's anyway to get it sooner as I have been unemployed for a month & ' am completely broke. The woman I spoke to said she can have a card expedited to me & '  it would be here within 3 business days but I had to pay {$10.00}. So I agreed because I have bills to pay, kids to feed. Well the following day I received a the card I was suppose to wait 3 weeks for. I was charged {$10.00} & ' sent another card. Had the woman said a card was on its way I would've waited. You don't think that's a lot of money until you're living off {$220.00} weekly. EVERY-TIME I'm logging into my online account my identity information isn't correct. Calling the bank is a hassle, waiting 45 minutes up to an hour to talk to someone who keeps repeating themselves, not answering your questions or helping you what so ever gets frustrating. So I found out I can have the money transferred into my personal bank account. So I'm setting everything up after having to call in again for assistance because once again my identity can't be verified. I'm told I have to wait THREE business days for the bank to verify my personal account then an additional TWO business days for the funds to be transferred. On top of waiting FIVE business days for the funds to be moved I can't use my card or it will cause the transfer to fail. I don't understand what exactly the bank needs to " verify '' with my personal account & ' why it takes 3 days to do so. BUT in case of emergency I can have funds transferred immediately for a {$15.00} fee!!!!
Consumer complaint received 2020-03-30
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: Experian Information Solutions Inc. (MO)

I'm writing to inform your company as well as the 3 major credit reporting agencies that my identity has been lost & comprised and it's causing not only me my reputation but it has completely destroyed my credit file. I'm demanding that the following unauthorized & unknown accounts be blocked & removed from my credit file. This obviously happened sometime during my XXXX. I'm also requesting that the 3 major credit reporting agencies provide me with The Method of Verification in physical form, the agent name and title inwhom conducted the investigation, the time and date inwhich this data was collected. Also please send me certified documentation of any fact findings. Please block & remove these fraudulent accounts : 1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX {$240.00} 3 ) XXXX XXXX 4 ) XXXX Formerly XXXX 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$4300.00} 7 ) US Dept of Education $ O 8 ) US Dept of Education {$0.00} 9 ) XXXX XXXX   {$21000.00} 10 ) XXXX XXXX XXXX XXXX {$6000.00} 11 )  XXXX XXXX XXXX XXXX  {$63000.00} 12 ) XXXX XXXX XXXX XXXX  {$20000.00} 13 ) XXXX XXXX XXXX XXXX   {$42000.00}
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A. (FL)

I have repeatedly requested the link to apply for forgiveness of my PPP loan. PNC has discriminately allowed certain businesses to apply for SBA forgiveness but not others with no reason or explanation The loan will come due on XXXX and I should have been able to apply for forgiveness except that PNC is blocking me from doing so. 

I am not sure that this is legal but I am sure that this will cause irreparable damage to my business. 

I have escalated the situation to the executive office of client relations but still no response.
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I was approved for a Capital One credit card almost 60 days ago. 

To date, I have not been able to log in to my account due to technical problems. I have called their customer service department and they were supposed to text me an access code. It was never received. And each time I request one through their website, they do not send one to my home phone. I also had problems activating my card when it first came. I haven't used it to date, so I don't even know if the customer service department properly activated the card. I tried doing it online, and they required me to call them. 

I'm not sure what is going on with their website, but if this is how they conduct business, I don't have a desire to ever use the card.It is important to be able to access the account online and to set up alerts in case the card is ever stolen.
Consumer complaint received 2020-03-30
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. (MO)

I'm writing to inform your company as well as the 3 major credit reporting agencies that my identity has been lost & comprised and it's causing not only me my reputation but it has completely destroyed my credit file. I'm demanding that the following unauthorized & unknown accounts be blocked & removed from my credit file. This obviously happened sometime during my incarceration. I'm also requesting that the 3 major credit reporting agencies provide me with The Method of Verification in physical form, the agent name and title inwhom conducted the investigation, the time and date inwhich this data was collected. Also please send me certified documentation of any fact findings. Please block & remove these fraudulent accounts : 1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX {$240.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$4300.00} 7 ) US Dept of Education $ O 8 ) US Dept of Education {$0.00} 9 ) XXXX  XXXX  {$21000.00} 10 ) Missouri Div XXXX XXXX {$6000.00} 11 ) Missouri Div XXXX XXXX   {$63000.00} 12 ) Missouri Div XXXX XXXX {$20000.00} 13 ) Missouri Div XXXX  XXXX {$42000.00}
Consumer complaint received 2022-12-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I'M SUBMITTING A COMPLIANT REGARDING MY GOLDEN 1 CREDIT UNION CREDIT CARD ACCOUNT WITH A RECENT XXXX DAY LATE REPORTING. I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS, BECAUSE OF XXXX XXXX AND THE HERO 'S ACT, THIS SHOULD NOT HAVE BEEN REPORTED.
Consumer complaint received 2021-10-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Ref : XXXX XXXX XXXX, XXXXt 2nd Mortgage Loan Number : xxxxxxx Property Address : XXXX, XXXX, FL XXXX On XX/XX/XXXX, I purchased a condo with the down payment assistance program ( HAP DPA Program ). I received {$10000.00} for the down payment - interest free as a second mortgage. My contract stated that the second mortgage is due on Sale, Refinancing, or Rental. Im refinancing my condo so I need to paid off, the HAP loan, the second mortgage for, XXXX, XXXX, FL XXXX. For over 3 months I have called SunTrust Mortgage to requested a payoff letter to settle my commitment for the HAP loan. XXXX XXXX XXXX, my future mortgage company, has also contacted SunTrust multiple times to receive the documents to pay off my loan. I can't complete the refinancing of my condo without the second mortgage information. I was scheduled to close on, XX/XX/XXXX. My closing was canceled because we never received the documents to settle my second mortgage. On XX/XX/XXXX, I went into a XXXX, FL, bank branch BB & T/SunTrust now Truist for assistance in receiving the information for my pay off letter so I could settle this matter. I met with XXXX XXXX, who requested the letter of payoff on my behalf. As of XX/XX/XXXX, nobody from Truist has contacted me with the information I need to proceed with my refinancing. I'm at the mercy of SunTrust to complete my mortgage refinance. Completely frustrated and still waiting for the payoff coupon or letter of settlement which was promised each time I spoke to SunTrust. On XX/XX/XXXX, I contacted Ms. XXXX, again to inquiry about her success in receiving my payoff letter, Account # xxxxxxx. Ms. XXXX has not received any information on how much longer I will have to wait for the payoff letter. Your consideration in this matter is appreciated. 
Kind Regards, XXXX XXXX XXXX
Consumer complaint received 2020-03-30
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. (MO)

I'm writing to inform your company as well as the 3 major credit reporting agencies that my identity has been lost & comprised and it's causing not only me my reputation but it has completely destroyed my credit file. I'm demanding that the following unauthorized & unknown accounts be blocked & removed from my credit file. This obviously happened sometime during my incarceration. I'm also requesting that the 3 major credit reporting agencies provide me with The Method of Verification in physical form, the agent name and title inwhom conducted the investigation, the time and date inwhich this data was collected. Also please send me certified documentation of any fact findings. Please block & remove  these fraudulent accounts : 1 ) XXXX {$1100.00} 2 ) XXXX XXXX  XXXX {$240.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$4300.00} 7 ) US Dept of Education $ O 8 ) US Dept of Education {$0.00} 9 ) XXXX XXXX   {$21000.00} 10 ) XXXX XXXX XXXX XXXX {$6000.00} 11 ) XXXX XXXX XXXX XXXXt {$63000.00} 12 ) XXXX XXXX XXXX XXXX {$20000.00} 13 ) XXXX XXXX XXXX XXXX {$42000.00}
Consumer complaint received 2020-04-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (CA)

XXXX XXXX called XXXX finance to inquire about 2-3 month deferment due to financial hardship because of this worldwide COVID-19. Was told to call back because car payment wasn't due until XXXX XXXX. Called again this morning XXXX XXXX to ask for the same thing due to financial difficulties. Was told there was nothing they could do or as they said and extension which is similar to a deferment. Asked when will I be able to pay or I can pay half. The representative stated that in order for me not to incur any interest that I should pay something. As if I didn't explain to her that due to unforeseen circumstances of the worldwide Pandemic that's affecting millions. I didn't get any type of assistance what so ever from the company. As you can see by the information they have put up saying they are here to assist during this time yet there hasn't been any assistance.