davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

XXXX I owed a payment {$280.00} and made the payment late! XX/XX/XXXX made {$400.00} payment. XX/XX/XXXX. I made {$250.00} payment. I received XXXX statement shows my {$250.00} payment but not my {$400.00} payment. I called this Saturday which was I believe XX/XX/XXXX spoke with XXXX customer service gave me the run around spit my {$400.00} payment. I then asked what was my balance when I made the {$400.00} payment. She responded by telling me my payment was late. I repeatedly asked why my XX/XX/XXXX billing does not show {$400.00} payment on this statement. Assistant is needed to obtain a response to my concerns. I requested she email me the breakdown. Never sent my request
Consumer complaint received 2018-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am attaching a copy of the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond inside of 30 days, but have not. I have also sent a follow-up letter, which has also gone ignored.
Consumer complaint received 2019-08-29
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. (NY)

The following accounts do not belong to me. I requested copies of the original signed documents showing proof of my signature from the credit bureaus and I never received them. I also filed an FTC complaint listing the name of the identity thief for prosecution. Therefore the credit bureaus are supporting fraud by continuing to report this false, fraudulent information : XXXX XXXX XXXX XXXX {$9700.00} Opened XX/XX/XXXX XXXX {$6800.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$5300.00} Opened XX/XX/XXXX XXXX {$210.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$130.00} Opened XX/XX/XXXX XXXX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX {$580.00} Opened XX/XX/XXXX XXXX XXXX/XXXX {$540.00} XX/XX/XXXX XXXX XXXX/XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX/XXXX {$1100.00} XX/XX/XXXX
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

Where to begin! I have two problems with Truist, formally known as SunTrust.

It all started when Truist was still SunTrust. I had been paying a mortage for 2 years out of my SunTrust account. However, the Mortage company began to state that none of the payments had been made. This began in XX/XX/XXXX, there weren't any problems until XXXX of XXXX arrived. The Mortage company began to claim they never received any of the payments sent.

However, the checks had been cashed and showed as cashed in my previous bank statements.

I contacted SunTrust, and asked them to please send me all previous statements so that I could send the copies to the Mortage company verifying canceled checks, before they started the foreclosure process. Days turned into weeks, weeks turned into months and so on. I continued to get the run around, calling them weekly and being promised that my documents would be sent to me within a week.

After a year and a half of not getting a response, and the mortage company claiming that no payments had been made since XXXX, they finally started the foreclosure process. I informed Truist, as they had since then taken over SunTrust, and was once again promised that my documents would be sent. I told them the nature of the severity, and that the home was in jeopardy of being foreclosed on. They were well aware of my stand on things, and they were also aware that I have been trying to get this information for over a year now. I was told by Truist that since they took over, they were still trying to sort through things, but they would be diligent on getting what I needed. 

During all of this, there was a company in XXXX that had taken over {$1300.00}. from my account, without my permission. This happened in XXXX of XXXX. I immediately contacted them and informed them of the fraudulent activities on the account. I was told an investigation would be conducted, and that the money would be returned within 30-60 days upon review. The bank then closed out my account, without my knowledge, and never returned any of my money to me. The company that took the money has been known to steal and commit fraud, as I did a quick google search regarding them. Continued calls to Truist and they refuse to provide any updates. 

Sadly, Truist never followed through, and the home was foreclosed on, and purchased by another party in XX/XX/XXXX. To this date, I still have not received any of my records from Truist, even though I have continued to contact them over this matter. I can not rectify, or file suit against the Mortage company, who did receive the payments, because Truist will not supply me with the proof. Also, I never received my {$1300.00} from the fraudulent withdraw. I would NEVER recommend this company to anyone.

Desired outcome : I want the bank to be penalized. I would like to finally obtain ALL of my past records from SunTrust/ and/ Truist. And, finally I want my stolen money of {$1300.00}. returned to me.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 

1. XXXX XXXX  is fraudulent on my credit Account # XXXX 2. XXXX XXXX  is fraudulent on my credit Account # XXXX 3. XXXX XXXX  is fraudulent on my credit Account # XXXX 4. XXXX XXXX and XXXX is fraudulent on my credit Account # 5. XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX 6. XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiries from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX are all fraudulent and needs to be removed
Consumer complaint received 2016-10-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (TX)

We have paid 15 years on this mortgage without a problem. This loan was originally with National City Mortgage which PNC bought and is now servicing the mortgage. We have had no problems in paying the payments online until the XX/XX/2016 payment was due and we found out that we can not pay it unless we set up an account with PNC Bank. It is stated in there website that all person wishing to keep paying online must set up an account in order to make payments. We are against this action as we would not be able to track our funds applied to our mortgage.
Consumer complaint received 2023-05-08
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. (SC)

This is my multiple endeavor to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please remove all these accounts in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$2400.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290.00}
Consumer complaint received 2020-09-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

My concern is with a debt buyer operating under the name LVNV and at other times Resurgent. They are operating out of Nevada and have been reporting a debt on my consumer credit files which I have not been notified of and which although I have sought validation from the original creditor has not been forthcoming. 

Numerous disputes have yielded no cooperation from their part nor has it yielded documents of any kind over and above their own bills and threatening paperwork. 
I am asking for this agency to provide the proper oversight to this matter and to hold this company accountable for their violations of public trust, non disclosure and any other illegal operation in violation of all consumer rights.
Consumer complaint received 2015-12-30
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch (NJ)

Second Round LP, collecting on behalf of XXXX XXXX XXXX continues to try to make attempts to collect on a debt that has already been paid for on XXXX XXXX, 2011. They call me various times a day!
Consumer complaint received 2019-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent several factual disputes to each bureaus informing them of the inconsistencies and violations of the FCRA with how this account is reporting on my credit profile. It is my understanding that the FCRA requires that all credit bureaus are reporting the same information across the board, and that information has to be consistent, if not its a violation. Theres several violations with this report such as, the inconsistent date is open, stating the account is not being disputed when it is, Transunion reporting this account as open and XXXX and XXXX reporting it as closed!
Consumer complaint received 2023-05-08
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. (MI)

TransUnion and XXXX refuses to remove this debt that has been settled from my account and off their systems. They are in violation of 15 U.S. Code 1681i ( 5 ). 
ThXXXX XXXX  account has to be removed immediately!!! XXXX XXXX XXXX  XXXX XXXX the supposed creditor is not the disputer behind these allegations, its TransUnion and XXXX  who continues to violate the State and Federal Laws. I have given proof over and over again. 18 U.S. Code section 1001, And 42 U.S. Code section 408.
Consumer complaint received 2023-05-08
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. (MD)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted TransUnion Credit Agency on XX/XX/2021 to dispute a medical bill that I have disputed with TransUnion on four other occasions. Each Time TransUnion has ruled in favor of the Creditor, this time I requested TransUnion to provide me with a copy of whatever documents the Creditor verified the debt is mine. I have explained to TransUnion the debt is not mine and they refuse to take it off or give me copies of the verified documents.
Consumer complaint received 2022-08-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This company promised me that if I paid off a debt that my score would increase by at least 23 points it did not when I paid off this debt a debt which was not mine a debt which no one could prove to me was mine legitimately no 1 could send me paperwork no 1 could do anything to prove that this was my get yet I paid it off because I was promised an increase in my score by at least 23 points I watched a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'm trying to get out of this neighborhood I'm trying to buy a house that is why I paid off the debt so I could get the increase of the 23 points They have not done what they said they were going to do I want them held accountable Only positive things have occurred on my credit report in the last 5 years and my score only goes down my Income to debt ratio is 7 % there are no collections there are no new hard inquiries almost everyone 's about to fall off my installment loan is up-to-date this is insane I am being targeted I want being targeted I want them to do what they said they were going to do. I You've talked to text so sorry you might need to decipher some of this because this is like the 5th year that I've been doing this with you guys so I'm tired of checking for typos for you
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am a natural person, I have rights under usc 1681. 

Equifax is govern by 15 usc 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 usc 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts. 

Accounts
Consumer complaint received 2022-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I attempted to purchase an RV. I wired money ( {$19000.00} ) to a JPMORGAN CHASE bank. The RV was not delivered. The bank said it can't help because I don't have an account.
Consumer complaint received 2018-06-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Platinum Holdings Group, LLC (MD)

I received a call from XXXX XXXX, XXXX XXXX XXXX Platium Holdings on XX/XX/XXXX at XXXXXXXX XXXX she stated that she had a file on her desknthat i owed a pay day loan from XXXX XXXX XXXX   thatbwas taken out on XX/XX/XXXX, that the amount owwd was well over {$2000.00}, acter speaking to her she stated that it could be settled with {$800.00}, i advised her that this has been paid off, i asked her to email me a copy of this debt. As of XX/XX/XXXX i have received nothing, and she called my mothers phone number and left a voice mail messgae with personal information about me and this account, that anyone could hear and this is against fdcpa regulations, so i now informed her that i will forward this matter to my Attorney and to ceae and decist contacting me in anyway.
Consumer complaint received 2019-04-12
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 SUBMITTED DISPUTES OF COMMON ERRORS ON MY CREDIT REPORT SUCH AS THE WRONG AMOUNTS AND DATE OF LAST ACTIVITY ON THE ACCOUNTS. THE CREDIT BUREAUS REFUSE TO SHOW VERIFICATION OF HOW THEY INVESTIGATED THE PROBLEM. ACCORDING TO THE FCRA THEY HAVE NOT COMPLETED A THOROUGH INVESTIGATION. THEY ARE USING AN AUTOMATED SYSTEM. 

I NEED A REASONABLE INVESTIGATION AND PROOF THAT THERE WAS AN INVESTIGATION TO THESE ACCOUNTS THANKS
Consumer complaint received 2023-03-31
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. (VA)

Said my XXXX account was opened XX/XX/2020 and being reported as a closed collection account on my consumer report ( Experian, XXXX, XXXX ) which I have know nothing about this account. Request to verify validation of the debt including names, address, original signed signature from signed contract of the person in question about the service. If can not be verified within 30 days at a reasonable timely manner, delete the account from report.
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America ( henceforth BOA ) is mishandling my payments and escrow accounts. I have made repeated attempts through email and by phone to correct the problem and thus far is is unresolved. 

Prior to the expiration of my current homeowner 's policy I switched insurance companies. BOA was provided ample notice in the middle of XXXX XXXX weeks in advance of the change ( providing the new company, billing information, policy #, etc ) .. On XX/XX/XXXX BOA sent an unauthorized payment to my old insurance company. I contacted them immediately and had them issue a corrected payment to the new insurance provider. Instead of putting a CHECK STOP on their unauthorized payment they issued me an escrow advance because their was not enough funds in escrow due to their mistake. 

The old insurance company did end up cashing and refunding to me directly the unauthorized check from BOA. I submitted the entirety of the refund ( to the penny ) back to BOA ; prior to which I notified BOA to apply the entirety of those funds back to the escrow account.
Consumer complaint received 2023-05-08
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

15 U.S. Code 1681- Congressional findings and statement of purpose 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ( 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. ( e ) Limitation of liability Except as provided in sections 1681n and 1681o of this title, no consumer may bring any action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any consumer reporting agency, any user of information, or any person who furnishes information to a consumer reporting agency, based on information disclosed pursuant to section 1681g, 1681h, or 1681m of this title, or based on information disclosed by a user of a consumer report to or for a consumer against whom the user has taken adverse action, based in whole or in part on the report [ 2 ] except as to false information furnished with malice or willful intent to injure such consumer on such date acccounts have been open since 2015 I will attach identity theft report but the credit bureau have yet to correct addresses and account the where open illegally