davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
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. (SC)

To the best of my knowledge, I have not received any services, goods, or financial transactions from [ XXXX XXXX XXXX ] that would warrant the debt they are claiming. 
I have diligently reviewed my financial records and found no evidence of any transactions or agreements with [ XXXX XXXX XXXX ] that would validate the debt they are attempting to collect.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

In XXXX of XXXX someone broke into my vehicle and stole my phone, purse, identification, bank cards, check book and other items. That year this person used those items to deposit a fraudulent check into my personal checking account and they ruined my business account that was in the business name of XXXX XXXX XXXX XXXX XXXX. 

I have made several attempts to clear this matter up including taking the police report into the bank and have a representative send it up to the proper servicing center on 3 occasions in XXXX. I also mailed a copy with my explanation to the customer service center in XXXX, North Carolina. 

Truist is still treating this matter like it was my fault. They closed both my accounts and have refused to talk to or do business with me further. I understand they take fraud very seriously as I do as well. I am the victim in this situation and Truist has treated me very unfairly even with my evidence proving I did not complete the fraudulent transaction. 

They are also reporting the activity to XXXX XXXX and XXXX XXXX XXXX which has kept me from getting any credit since this happened. 

This has caused mental pain, XXXX, anguish, homlessness, embarrassment, pain and suffering. I had to close my business due to being misreported and misrepresented. 

This is unlawful according to : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NV)

Noticed this collection since last year and have been disputing it ever since. Convergent Outsourcing is in full violation of the FCRA by failing to verify the account. I've requested I be sent physical proof that the account belonged to me. Instead, they've chosen to just send me an invoice and itemized bill. This is not acceptable, FCRA states there must be a tangible contract provided to me upon my request, that bears my signature, showing that I am responsible for the account.
Consumer complaint received 2024-03-04
Product: Credit reporting 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. (CO)

UNAUTHORIZED CREDIT INQUIRIES ON MY CONSUMER REPORT, PLEASE REMOVE IMMEDIATELY : 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 2023-07-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Results! Dental Collection Services, LLC (IL)

I received a Final Notice for a debt that I do not owe and have informed the collection agency. I have sent the collection agency a timely response letter which they do no acknowledge ; they say that the debt is valid because I did not respond, please see attachments. I believe the collection agency and service provider are in violation of the No Surprises Act.
Consumer complaint received 2020-12-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

On XX/XX/2019, I went to XXXX XXXX XXXX of XXXX, to repurchase a vehicle, i called Equifax, awhile, i was in the dealership, to get my rCredit File Unfrozen, I was ask security questions, and i was told, and pass them, because i did not have my Security Freeze Pin on me, at the time. XXXX XXXX, tried to pull my credit file again, from Equifax, and was unsuccessful. They were able to pull my XXXX XXXX and XXXX ; but not my Equifax. On XX/XX/2019, i came home and went online, to Equifax and did it online, and was told, that it was successful, i had to wait until Monday, to call XXXX XXXX, back and alert them, to repull Equifax, and was unsuccessful on XX/XX/XXXX & XX/XX/2019. I sent in a copy of my Driver License, SS Card & Utility, XX/XX/XXXXXXXX  bill, to confirm my Identity ; and gave them my dates to unfreeze, the credit file was still frozen. XXXX XXXX dealership, need to have a copy of my Equifax, along with all 3 to finish up, the process, and close the deal out. It is to the point, that my contract, is in jeopardy with XXXX XXXX dealership, if they can't pull my credit report, asap. Mr. XXXX XXXX and Mr. XXXX XXXX XXXX is my finance guy and sales person, is able to confirm, everything, that is said, in this e-mail, about the getting of my credit file unfrozen.
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

XX/XX/2018 enhanced recovery company claims XX/XX/XXXX I owe XXXX {$790.00} but I've had this debt long ago. They never contacted me through mail in an attempt to collect this debt and give me an opportunity to dispute this debt. They did how ever hire someone to harass me at my workplace to get a hold of me. Which I thought was truly disrespectful and unprofessional
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2023, I first attempted to create a account using the XXXX XXXX XXXX, but as I went through the process, I then encountered an error with the website saying I can not continue and to try again, so right afterwards, I proceeded to try again and this time I received a confirmation ( attached ) showing my promo code I applied ( the XXXX previously stated ) and everything was perfect so I thought. Today ( XXXX XXXX ) I login to the Truist app and see 2 accounts? I immediately call customer support at XXXX and speak to the first representative, XXXX XXXX I believe ), to explain the problem, and most importantly determine which account to close as well as make sure the promo code will still apply. After constantly having to reiterate my issue and XXXX not understanding my issue at hand, I asked to be transferred to a supervisor, but XXXX hung up the call. After calling back again at XXXX, I informed the representative of the issue at hand and AGAIN, a lack of understanding was definitely there, so I asked to be transferred to a supervisor again and got to a supervisor named XXXX XXXX After spending XXXX hour on hold, XXXX proceeded to tell me yes you have the promotion code applied to your account because you said you do. I asked if she sees it on her end and she said no. I then asked, why would Truist pay out my promotion if you guys dont even see it on your end and why do I have 2 accounts on my name. After telling me to hold, she proceeded to hang up the line. To recap, Ive called twice, encountered an issue with the website, and have been hung up twice by XXXX different representatives ( XXXX being a supervisor ). This is all while being a first time potential long term client of Truist.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive just reviewed my credit reports at all 3 major bureaus and noticed there are eight inaccurate late items on my report all from my XXXX XXXX XXXX/XXXX student loans. Please note, the only time Ive ever been late was in XX/XX/XXXX, when I sent my payment on XX/XX/XXXX, which was only 12 days late! It should NOT have shown up on my credit reports as even 30 days late, not to mention 90 days late, which is what it is showing. This is absolutely untrue, and Ive attached screenshots of my XX/XX/XXXX payment, as well as the payment I sent XX/XX/XXXX, to show that these accounts were never even 30+ days late. 

They are reporting all 8 student loans as 90 days late, but none of my payments were even 30 days late. This is so frustrating as it's taken my credit score down 200 points, and is not even true! I ask that XXXX remove all of these late payments from my credit reports immediately, as I have provided proof of my payments, and the information they're reporting is not true.
Consumer complaint received 2024-03-04
Product: Credit reporting 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. (CO)

UNAUTHORIZED CREDIT INQUIRY ON CREDIT REPORT REQUESTING IMMEDIATE REMOVAL OF THE FOLLOWING : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

I had an account with MACYS department store. My account was used as a case of identity theft in Georgia for charges exceeding over {$1000.00}. I called Macys and reported the charges and they stated they froze my card, the following day my card was used again in Georgia and more charges were added. Macys stated that even though I called and reported the fraud on my account it takes up to XXXX hours for a freeze to be placed on my account. While my account was under investigation for these charges ; Macys advised me I would not be responsible for making payments since charges were not mine. After almost XXXX months the investigation was finally complete and I never received any information on the outcome of the investigation and Macys charged me based off the fraud charges on this account. Ive tried communicating with MACYS on multiple occasions and all they did was continuously transfer my calls to multiple departments. This account is inaccurate and charges are inaccurate.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX-
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

I am being denied the right to rent an apartment due to a unverified debt from an apartment complex I lived in by the name of XXXX  XXXX almost 6 years ago. When I moved out at the time there was no apparent debt, then when I tried to move I was denied because they are on my credit report. I tried to call XXXX XXXXXXXX to find out what I actually owed the money for, and was told that the property was sold to another owner, and they had no record of the debt. I called National Credit who now owns the debt and they couldn't verify why I owed them {$430.00}. I have not agreed to this debt as of yet because no one knows why I owe this money. I never received any letter from the apartment stating I owed them prior to them selling it.
Consumer complaint received 2020-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Gerald E Moore & Associates, PC (SC)

I submitted a complaint against XXXX XXXX XXXX complaint # XXXX I received a letter on XXXX XX/XX/2020 from an attorney still showing the wrong amount. 
My complaint was turned over to the XXXX on XX/XX/2020. 
I do not owe this amount. The keys to XXXX XXXX  was turned in to the assistance manger on XXXX, XX/XX/2020 at which time the electrical was also transferred to my new address.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Paypal Holdings, Inc (PA)

Venmo ( ran by PayPal ) froze my prepaid card. They wouldnt give me a reason as to why only that an account specialist will email me in a 7-10 days. I Explained to multiple customer support specialist and supervisors that this is a prepaid card that I loaded money onto. Its sound illegal to free a card with money on it thats mine. I also told her this card is my livelihood for day to day transactions. How an I suppose to survive with all my money on this card until I get paid in two weeks. Thats how I get to work. They never even called and said the card was frozen. I tried to spend my money and had to put my stuff back Please help.
Consumer complaint received 2020-06-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ZARVAD III S.A. (TX)

I enrolled with a debt management company on XX/XX/2020 called XXXX. My payday loan.com acknowledged receipt of the ach revocation and did stop taking out payments. They have continued to harass me by email stating they do not work with any companies that help people get these loans paid. My advisor at XXXX has told me they do work with them. I received a very threatening email on XXXX20. Then today XXXX20 I received a email stating I needed to pay {$450.00}. I can not pay this. The reason I have enrolled with payday loan help. I will attach the email I was sent on 6XXXX20. This is ridiculous they send this threatening stuff to consumers. They threatened to turn me over to Contribution a service of Scan and make it where I can not write checks. I looked this up and it appears to be false propaganda.
Consumer complaint received 2019-04-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Regarding Loan # XXXX ( XXXX ) XXXX XXXX Closing : Bank of America ( lender ) located at XXXX XXXX XXXX in XXXX, Ca XXXX recorded a Deed of Trust in the XXXX XXXX Accessor office with me as a borrower ( Trustor ). I did not sign this document. The signature using my name was not signed by me. I did not apply for or agree to pay this mortgage on my home. The amount of unpaid debt on the Trustee 's Deed Upon Sale document is {$760000.00}. The amount paid by XXXX XXXX XXXX South Dakota XXXX ( the Grantee ) was {>= $1,000,000}. The Deed of Trust was recorded on XX/XX/XXXX.
Consumer complaint received 2019-04-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

My home loan is serviced by FREEDOM MORTGAGE XXXX. XXXX  XXXX XXXX, IN XXXX. Their website is freedommortgage.com and it is available for online payments. 

On XX/XX/2019 I utilized their website to make an online payment. Upon completion of the payment process, I received a screen prompt advising me that a technical difficulty had occurred and my payment was unable to be processed. I called and spoke with a call taker and processed my payment. The call taker confirmed that my records showed an attempted but failed payment. The call taker confirmed that no payment was processed. I completed the process and made a successful payment. 

On XX/XX/2019 my bank records showed that two payments from Freedom Mortgage had been debited from my checking account. Due to the duplicate payment, I now had a large negative balance, overdraft fees and I was broke. 

This was a duplicate payment and it was an error by the online system. On XX/XX/2019 I contacted Freedom Mortgage and was advised I made the payment and they could not help me. I was told I could request a refund, but I would need to provide a bank statement. I provided the statement but then was told a refund wasn't possible but they would look at my statement in 24 hours. I spoke with a manager and was advised I might be able to be given a refund, but that it would take 48 hours to review my statement and over a week to complete the refund. 

Freedom Mortgage did not admit to the error. I was accused of fraud and I was told it was my fault. I disputed the transaction with my bank and that investigation is pending. 

I was treated unfairly, a duplicate transaction was taken from my account without my authorization, my request for a refund was not taken seriously and it was denied. I spent over an hour on the phone without any resolution and was told conflicting information. My online mortgage account transactions appear to not be secure. I am broke and now responsible for overdraft fees. This incident was no fault of my own.
Consumer complaint received 2019-04-23
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. (CA)

To TransUnion Consumer Relations According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX  XXXX This creditor states I was Late on Dates : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT XXXX CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX XXXX XXXX This creditor states I was Late on Dates : Late Dates : XX/XX/XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT XXXX CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX THIS INQUIRY IS NOT PERMISSIBLE
Consumer complaint received 2022-12-13
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: NAVY FEDERAL CREDIT UNION (MI)

Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Updated and new information : Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FIAR CREDIT REPORTINGACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681is-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the late payments from my consumer report this agency is in violation of 15 USC 1681 see attachments