davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (MD)

I have filed multiple complaints alleging multiple problems with Truist Bank ( formal SunTrust ) regarding : 1. {$700.00} unpaid promotional bonus ; 2. {$25000.00} unpaid Small Business PPP forgiveness loan ; 3. Unpaid several claims {$130.00} ; {$23.00} ; {$120.00} etc ; 4. Severe Violation of my Privacy {$25000.00} ; 5.Health damages $ XXXX for 4 years etc. On or about XX/XX/XXXX a Truist Client Resolution Specialist emailed me a complaint # XXXX regarding the above alleged problems. I have sent multiple responses to Truist Client Resolution Team member XXXX XXXX, branch member XXXX XXXX and branch team XXXX XXXX XXXX regarding immediate resolution and all related financial losses for 4 years including dropping alleged proof on XX/XX/XXXX to the XXXX XXXX branch window teller. According to the proof, I completed a promotional requirement for business checking to offer a {$200.00} bonus ( code : XXXX ) by depositing {$1500.00} accumulated within 30 days after account opening. As far as personal checking account {$500.00} bonus ( code : XXXX ) it was related to unfair employment practice by the federal government ( see court lawsuits ). I did present the promotion code and copies to the banker at the time of the new accounts opening on XX/XX/XXXX as terms and conditions. I pushed this matter from the end of XXXX XXXX XXXX otherwise I wouldn't open these two accounts in XXXX. On XX/XX/XXXX I also submitted a PayCheck Protection forgiveness application via Truist Business Online Portal before the due date XXXX XXXX XXXX  to claim {$25000.00} small business assistance. I sent both copies to XXXX XXXX branch on XXXX XXXX XXXX Further, according to the XXXX debit card agreement, consumers have 60 days to file a claim concerning multiple issues such as : defective product {$130.00} ; unacceptable services {$23.00} ; Overcharged bill {$120.00} etc. I have filed claims within 60 days and completed requested forms in a timely manner ; Damage customer credit in XX/XX/XXXX for reporting fraudulent information {$10000.00} plus fees to three credit bureaus as retaliation; Finally, Truist bank severely violated my privacy such as : failure to provide authentication code for login, failure to block unauthorized phone access ; banking related notary ; intentional vandalism and confuse issues ; treat customer in a hostile way by referring me from branch to XXXX XXXX XXXX XXXX ; XXXX XXXX  etc. From the end of XXXX XXXX XXXX this bank never assists me to achieve financial gain per my asking. Each issue has been denied and closed by Truist. I certify the subject statement is true and correct and based on my best personal acknowledgement.Please ask for evidence from XXXX XXXX XXXX submitted on XXXX XXXX XXXX
Consumer complaint received 2022-08-31
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. (CA)

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, and 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 report agency can not Furnish a account without my written instructions.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (FL)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Consumer complaint received 2022-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Accounts, Inc. (MN)

Landlord at XXXX XXXX  in XXXX, ND attempted to continue collecting monthly rent payments for an apartment after already terminating lease and evicting me only about halfway through the original lease term ; charging me rent for the remaining months which I was no longer living there and was locked out of the unit. Landlord then gave this debt to the collections XXXX UNITED ACCOUNTS INC and the collections agency has gone on to engage in an act of debt parking, which is a violation of FCRA and FDCPA regulations. This debt parking tactic has caused great hardship for me - preventing me from renting apartments and finding housing, preventing me from getting approved for any type of loan or credit, and causing significant financial obstacles for me.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has investigated a XXXX and XXXX XXXX account and resolved the dispute by putting " consumer disputes '' on my credit report with balances that are collectible. XXXX XXXX nor XXXX have not received payments in over 4 years and the Texas statue of limitations is 4 years. XXXX XXXX showed they received a payment XX/XX/XXXX so why is Transunion still showing the account " in collections '' when that puts the balance out of the statue of limitations in XX/XX/XXXX? XXXX only shows a balance on statements and fails to respond to requests showing when the last payment was received. I have been a Texas resident since XX/XX/XXXX. Even the charged off statements show the account should not be " in collections '' and disputed but charged off with a zero balance.
Consumer complaint received 2022-08-31
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. (OH)

In accordance with the fair credit reporting act XXXX # XXXX # XXXX # XXXX have violated my rights 15 u.s.c 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681 section 602A states I have the right to privacy
Consumer complaint received 2022-08-31
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. (OH)

In accordance with the fair credit reporting act XXXX  # XXXX # XXXX # XXXX have violated my rights 15 u.s.c 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681 section 602A states I have the right to privacy
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX. {$23000.00} XX/XX/2017 I disputed it and Experian and XXXX Will not remove it from my credit report the company is not responding to me XXXX removed it already. They are Violating my Consumer rights I have been taking advantage of and effecting my buying power and Betraying my reputation.
Consumer complaint received 2022-04-14
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. (MI)

XXXX XXXX XXXX. {$23000.00} XX/XX/2017 I disputed it and XXXX and Transuion Will not remove it from my credit report the company is not responding to me XXXX removed it already. They are Violating my Consumer rights I have been taking advantage of and effecting my buying power and Betraying my reputation.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-08-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (CA)

WorldRemit has not deliver promised/paid services. on XXXX I made 3 money transfer transactions to my recipient in the XXXX who needs the money for medical reason. Called and spoke to different cuatomer services who gave me different reasons, the money was no released yet because it was under review and no one is available to review because it is a weekend, and then it was a holiday in thw philippinws, and then they are following US Regulations but when I asked which regulations, they can't provide an answer, and then they were saying to contact me and to be patient, no one has followed up with me through email nor calls. But all of them CS said they will, that did not happen. I kept on calling for an update. Today XX/XX/31 at around XXXX I was told that their bank partners are having technical issues. All the reasons and excuses that you could imagine. Money in minutes turned into money available in days. It's not available yet this is the 4tXXXX day.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

requested that experian remove XXXX XXXX from my credit report because it was fraudulent. i sent in a police report because my identity was stolen. this was not removed. I then sent a request for proof that it was my account, proof of what the vehicle sold for, ie bill of sale. I waited more than 30 days and never recevied that proof. I then sent notice that I had never received that proof and they have still not removed the account.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I'm not sure why this matter is being unaddressed. In my last complaint I provided proof that XXXX, Experian, and XXXX, were well beyond their allocated deadlines. I first filed a dispute claim in XX/XX/2022 to no resolve. I provided the email in which the companies told me that the investigation was complete and deemed the information valid. I don't understand why your response to me was " They're still Investigating '' as if they clearly had more time. The time spam from XXXX to XXXX is 12 months last time I checked, not 2. Can you please look further into this matter and provide a non-bias solution? If more documents are needed please let me know. If you're follow up response is that they're still investigating please provide a reason why the time frame to respond is being giving special priviledge in this matter.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit report states that I owe {$400.00} to XXXX. I have n't had an account with XXXX in over 7 years, nor did I owe them money when the service was transfered to the new tenant in the building the service was being provided to.
Consumer complaint received 2023-06-24
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. (CA)

This is my follow up request to XXXX that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-31
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (VA)

I closed on my New York co-op apartment in XX/XX/XXXX, with a mortgage through XXXX. 


During XXXX, I was granted a forbearance for an extended period of time. Late in XXXX, XXXX, which had been renamed XXXX Bank following its acquisition by XXXX, offered me a loan modification. 


The terms were very favorable, including a lower fixed interest rate, for a 40-year fixed term, and capitalizing the unpaid interest and principal into the loan balance. The end result would be lower interest and lower monthly payments. The new payment amount started in XXXX of XXXX and I have paid each month on time. 


Needless to say, I was very thrilled and pleased with myself but then XXXX sold off most of its residential mortgage portfolio to PNC Bank and that's when the trouble started. 


PNC on multiple occasions sent me loan modification documents to sign and notarize. I dutifully executed them but they also wanted a representative of the co-op to sign them, which the co-op lawyer adamantly refused to do so saying that it was the wrong form. 


After much back and forth, and my own research by speaking with several XXXX mortgage bankers and real estate lawyers, the consensus opinion is that the PNC form is fine but that there is no reason for the co-op to sign it because they have already executed the recognition agreement aka the " XXXX form '' at the loan 's inception. I provided a copy of this to PNC in case they lost any of the files in the handoff from XXXX. 


PNC says that the co-op needs to sign because they are on the deed to which the consensus response is that the deed is irrelevant because the real estate is not the collateral but instead the cooperative shares and proprietary lease are. PNC can't get that through their head and I'm not sure what to do. Part of me wants to sue them or raise a stink on XXXX. 


One lawyer suggested getting in touch with their collateral lawyer who would understand this problem but I can't get past their customer service people who seem clueless about cooperative apartment lending in XXXX. 


This is becoming very urgent because PNC wants to pull the loan modification offer, which makes perfect sense given the very favorable rates. If they do, I will either have to write them a check for over {$40000.00} ( no easy task ) or face potential foreclosure in the next few months. Also, at this point, I can't just refinance because rates have gone way up, which would make my already expensive mortgage, all the more unaffordable. 


So in summary, XXXX offered me a loan modification, which I accepted and then have made all the requested trial payments and continue to do so, but now the rug is being pulled out from under me and nobody seems willing or able to help me. I am really at my witts end so any assistance you could provide would be greatly appreciated. 


Sincerely yours
Consumer complaint received 2022-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (RI)

On XX/XX/2022 I was contacted by a USAA Customer service rep indicating that I had a fraudulent transaction made in Kentucky which I stated I did not complete. During this call, they sent a text to validate my account. At this time, my account was taken over by the XXXX on the line. The fraudster then made an unauthorized transfer to my account which later returned for insufficient funds on XX/XX/2022. 

Once the call was ended with what I thought was the USAA customer service member I received an email indicating I had completed a Wire Transfer for {$9900.00}. At that time I called USAA to file a claim stating my account was taken over I was scammed and I have no access to my online banking account as the Fraudsters had changed my account log in. 

I called USAA on XX/XX/2022 to get a status on my claim but they stated it was under investigation and I would receive a call back, they stated that it will be three more days but I never received a call back. On XXXXXXXX XXXX i called back and they dept had already left for the day. 

On XX/XX/2022, I called for another status check and discovered that they have not opened a claim for my fraudulent wire transaction that I had filed a claim for on XX/XX/2022. So on XX/XX/2022, the claim was opened and a recall of the funds was attempted ( XXXX weeks after I reported ). 

USAA has violated regulations and procedures according Regulation J. 

Today ( XX/XX/2022 ), I was told I would receive a call back from the Fraud Team. When they called me back they could not provide a status but it was " under investigation '' and that another fraud team member would be calling me back since they could not provide any details to my claims. Again, I called in and requested a call back from the Fraud Team, when they called me they then said they would need to put in a request for the Fraud Team to place ANOTHER call back. 

USAA has dropped the ball a few times here and I'm at a loss of how to recover the {$9900.00} that was transferred out of the account when it was taken over. USAA reps continue to pass me around and never provide details just that a call back will be made but I have lost confidence. 

Thank you! You are my last resort.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instruction. 15 U.S.C 1681i SECTION 602 A also state I have the right to privacy. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me I never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec, 1681i ( a ) I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent rights and correct. So could you please check on on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate accounts and remove them if anything is missing or not correct on them. Please provide proof that its reporting correctly from the Courthouse and not a third party and delete if anything is incorrect and update the account as ( paid as agreed ). 
Thank you for you time and help in this matter.