davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

To Transunion Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt 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 generalIf, 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. Thanks for your help with this matter.

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2018-08-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (KY)

After receiving a seniors tax break on my home, the Loan Servicing Company ( LSC ) reduced my monthly payment. Soon after, the County raised my taxes by about {$320.00} per year and my homeowner insurance went up {$20.00} per year. Now the LSC wants me to pay them {$1000.00} more per year to make up for the {$340.00} change. The {$90.00} per month increase is considerable when living on Social Security. 

I called the LSC and they offered to adjust the increase to about {$60.00} per month, but that is still a lot under my circumstances. I asked them to waive their cushion of nearly {$300.00} to help absorb some of the shortage, since it was their calculations that contributed to the problem. They would not agree. 

I had to ask three different people before I could get someone to provide me with your agency name so I could ask for help. I hope you can help with a more reasonable solution to this situation.
Consumer complaint received 2022-02-22
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: AmeriCollect (MI)

On XX/XX/2020, I mailed a letter to Americollect to verify my debt in which they did not respond in a timely fashion. I contacted the CFPB on XX/XX/2020 regarding the company not responding to several letters asking them to please verify the debt the company then responded with a letter attached but the letter was not a bill, nor did it have my signature on it which makes it unverified.
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/XXXX we were charged {$250.00} from our mortgage company claiming we did not have home insurance. However, we did have home insurance. When our mortgage was sold to them in XXXX they claimed we didn't have insurance coverage. 
I sent a hard copy of a letter and evidence of insurance coverage on XX/XX/XXXX to prevent being charged the {$250.00}. They charged us anyways and claimed they never received anything. 
I sent a copy through the email they provided on XX/XX/XXXX I had our insurance agent send a copy through the email they provided XX/XX/XXXX I emailed again on XXXX On XX/XX/XXXX I had our insurance agent fax a copy over on the number they requested. 
I have also called several times. The last time I called the representative told me they did receive evidence of insurance and they would send it in for processing and I would receive a refund in 10 days. Of course that never happened. I just tried to call again today to inquire and their number isn't working. I have been trying to fix this for 6 months and this company just straight up charged us for no reason and is unable to fix the situation even though the required evidence of insurance has been provided to them numerous times in numerous methods ( online, email, fax, and mail ). I don't know what else I can possibly do.
Consumer complaint received 2022-12-03
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00}.
Consumer complaint received 2022-02-03
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

The report shows that I was 30 days delinquent back in XX/XX/XXXX, however, I had an approved deferment for that monthly payment. However, back in XX/XX/XXXX, I sold the car to pay off the lease and close out the account, and the account is reporting negatively on my credit reports with the three reporting agencies.
Consumer complaint received 2022-02-03
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. (TX)

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. The following collections/closed accounts do not belong to me nor was written consent given for them to be placed onto my reports : 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 I never made a late payment on these accounts , please correct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2021-12-22
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. (TX)

According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, I any and all late marks found on any of my consumer credit reports by the company should be corrected.
Consumer complaint received 2018-08-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

At end of business on XX/XX/2018 my account was overdrawn by one cent and I was charged a {$35.00} overdraft fee because of that. They advertise {$5.00} overdraft pass but apparently since the item that overdrew my account by one cent was more than {$5.00} it triggered the fee. I asked for the fee to be returned at my local branch in XXXX, PA and XXXX said he would look into it on the next day and call me. He never called and never refunded the fee. I tried calling him and still never returned the call.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was lured into a free credit reporting service with Transunion. They made it impossible to opt out of the signup flow during the process and before I knew it I had opted into a monthly subscription with no way to confirm or cancel my order. I immediately canceled my subscription ( within 2 minutes ) but was unable to cancel my first month on their online system even though I DID NOT WANT TO PAY FOR IT. I have emailed them multiple times to address this problem and request that they refund or cancel my first {$25.00} charge that they extorted in a very sneaky signup flow. They refuse to address any issues via email and are not responding to my requests.
Consumer complaint received 2018-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This complaint is in regard to Bank of America and a account promotion I received for opening a checking account. The complaint is for deceptive marketing practices and failure to honor terms of agreement. 

I opened a checking account at the branch in XXXX MD on XX/XX/XXXX and mentioned to the representative that I was there specifically for the promotion. I brought a copy of the promotion received. 

The stated promotion I received was for {$300.00} for direct deposit totaling over {$4000.00}. I completed the terms in early XX/XX/XXXX. I called the bank representative XXXX XXXX in late XXXX and she assured me on XX/XX/XXXX that I would receive the promotion and gave me a personal call stating that. 

As of XX/XX/XXXX, I still have not received the promotion and she is now backpedaling what she told me and for me to contact XXXX XXXX to have the promotion paid, which doesn't make any sense to me. This is completely deceptive and I want the promotion to be paid as I have fulfilled the terms of the agreement.
Consumer complaint received 2018-08-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (NY)

Hi on XX/XX/XXXX I made an XXXX orXXXX filler purchase and then after I was lied to by the cashier I then had to pay out of my pocket cash I'm mortified that I continue to be lied to for no reason complaint number XXXX person who took my complaint if number I believe XXXX If they reverse the numbers that's what they do but I wouldn't waste time lieing.. 
My card ends with XXXX This is a XXXX XXXX XXXX from social security the bank there with is commerica
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC (WA)

I had a credit inquiry on XXXX XXXX, 2015 by CREDCO, which I never authorized them to hard pull my credit score. I searched this agency online and it came out this company works with XXXX XXXX. I talked with a mortgage loan specialist from XXXX XXXX that day but he never asked my SSN, and also never asked to run my credit report. But to my surprise, without my permission XXXX XXXX pulled my credit report. I want to see if there are any possibilities to get this inquiry off my credit report.
Consumer complaint received 2018-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My 16 year-old son lost his Bank of America debit card and pin number which was his first ever card and banking experience, which was recovered by unknown people who illegally used it. Over the course of about 15 days from XX/XX/XXXX18 the thieves used the card to make several purchases and deposits to decieve the bank and to the result of a negative ( - {$2800.00} ) charge in the account of which I am the parent. B of A then took money I had in a different checking account to cover the negative balance. I need this money returned to pay my immediate bills which are now late. 
Bank of America has of this date refused to take responsibilty for recognizing this fraud, which is all the more alarming! I am willing to testify and prosecute should a suspect be identified. I have also filed a police report in XXXX county onXX/XX/XXXX18 but the case is very slow moving to say the least. B of America knew my son was inexperienced in banking. B of A also was familaiar with this particular scam that was perpetratrated on us. I was shocked they effectively gave this " debit '' card not only " credit '' but also let it go hugely negative only to zap the money to cover it from me just as I attempted to pay my rent causing cascading financial problems for me. They also blamed me and my son, were very dismissive in my efforts to investigate, sometimes downright rude, and could help by checking their ATM video tapes to identify suspects, but have immediately closed off further investigation even after I asked them to reopen the " supposed '' investigation.
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (MI)

PNC Bank - We have banked with the same bank for several decades. About five years ago we obtained a home equity line of credit from PNC Bank. Recently, my husband and I requested an increase to our home equity line of credit because we were looking to purchase and move to a new primary residence. 

A couple years ago, my husband and I purchased a small house as a rental property. We also purchased a tiny condo up north around the same time. Both of these purchases were cash purchases. 

Now, we are trying to obtain a mortgage for a portion of the new primary residence that we intend to buy ( until we are able to sell our primary residence ). PNC has repeatedly asked for more and more documentation from us. ( more pay stubs, IRA account statements, insurance on all the dwellings, closing documents for purchase of the other properties, etc. ) Our loan officer at PNC recently went on medical leave. They claimed that they couldn't find much of the documentation that we already sent, so we sent it again. Now they are asking for the Master Deed for the COMPLEX where our condo is located. 

It just seems like they are asking for documents that are inappropriate for the size of the loan that we are taking out. ( Our IRAs would more than cover the entire cost of the loan amount ). They told us yesterday that we probably won't make our closing date which is three weeks away. We started this process a month and a half ago! 

We told them that we are thinking of not borrowing at all from PNC Bank.
Consumer complaint received 2022-02-03
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)

Reporting inaccurate and unverified information on my consumer reports which is harming my reputation as a consumer and hindering my ability to make necessary banking transactions. Reporting alleged debt of {$22000.00} allegedly owed to XXXX XXXX XXXX. Reporting alleged debt of {$1100.00} and {$2800.00} allegedly owed to XXXX XXXX XXXX XXXX. Reporting alleged debt of {$3300.00} allegedly owed to XXXX XXXX XXXXXXXX who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly owed to XXXX XXXX who I have no written contract with. Violations of 15 USC 1692b ( 2 ) -stating that I owe debt. Violations of 15 USC 1692d ( 1 ) harming my reputation as a consumer. Violations of 15 USC 1692d ( 2 ) using obscene language that I, the consumer find abusive.
Consumer complaint received 2021-12-22
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. (TX)

According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, any and all late marks found on any of my consumer credit reports by the company are inaccurate and need to be corrected.
Consumer complaint received 2022-02-22
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. (MI)

I previously sent my written request to Experian about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Experian get back to me with regards to the issue. Here are the items that concern me : XXXX  XXXX XXXX Balance {$2900.00} XXXX  XXXX XXXX XXXX Balance {$890.00} XX/XX/XXXX XXXX  XXXX  XXXX XXXX Balance - XX/XX/XXXX XXXX  XXXX  XXXX XXXX Balance - XX/XX/XXXX 2013
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute a chapter XXXX bankruptcy ID # XXXX listed o my credit for over a year now. I keep getting notifications from XXXX, XXXX  and Transunion stating the information has been verified from XXXX XXXX and the court. I called the court and they stated they don't verify bankruptcies with the bureaus. I reached out to XXXX XXXX about 2 months ago to have a freeze put on my account and I suppressed my files and I also contacted them and they stated they don't disclose any information on a consumers report to the bureaus either. At this point since neither the bureaus nor XXXX XXXX can provide me with sufficient validation of this debt with the original documents with my signature I am asking to have this removed to prevent further action.
Consumer complaint received 2022-02-22
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. (MI)

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX  XXXX XXXX Balance {$2900.00} Unknown XXXX Balance {$130.00}
Consumer complaint received 2022-02-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

DEPT OF EDUCATIONXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-10-07
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. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.