davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (VA)

On XXXX XXXX, someone wrote a fraudulent check on my Sun Trust checking account for {$10000.00}. The persons name on the check was XXXX XXXX. I did not authorize this check or know it was written until about XXXX XXXX when I received a letter from Sun Trust showing my overdraft protection had been used to help pay this check. The person stealing the check deposited it in XXXX XXXX in XXXX, Virginia. I filed a complaint with Sun Trust, at the end of XXXX but have not received my money back. I am XXXX XXXX XXXX. There is a fraud case number. XXXX XXXX and I spoke with XXXX XXXX XXXX about 2 weeks ago. Nothing has happened. His number is XXXX, ext XXXX. My Sun Trust, now Truist branch is on XXXX XXXX in XXXX, XXXX and the number is 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My personal information was breach through out the credit report agency, ( transUnion and XXXX ) I've been try to resolve the issue for almost an year now. then recently find that the credit bureau are the one that responsible for my personal information to get out there. Where I receive email from a third party due to the fact that people are using my information to apply for credit card loans, mortgage et.. I contact the bureau a several time in order to have those inaccurate items as such hard inquiries, company names that I've been heard of or any unverifiable item to be removes in on my consumer report and they're refused to do so. 

According to the Fair Credit Report Act, SECTION 609 ( a ) ( 1 ) ( A ) you ARE REQUIRED BY FEDERAL LAW TO VERIFY-through the physical verification of the original signed consumer contact -All accounts you post on a credit report .otherwise, anyone paying for your reporting Service could fax, mall or email in a fraudulent account. 

I Demand help due to the fact the company that were supposed to keep our consumer information safe are the one that actual causing damage on the people consumer report.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc. (MD)

Bread XXXX  put my high yield saving in restricted mode for no reason. I called custom service XXXX but after long wait and line got dropped. Finally on XX/XX/2022, after 40 minutes wait, I talked to their representative, he told me because I add my cell phone number, but I did add the same cell phone to other bank where they verified the new information right away through my existing verification method, and never have any problem. The representative promise me he will submit the request to unlock my account. But until XXXX XXXX, my account still in restricted mode. I called their custom service again, and insist I want resolve this issue now, transfer me to account security and finally unlock my account. 
I told them my experience with other bank, and hope they can change their procedures. I hope consumer finance can use your power and influence to make Bread XXXX  XXXX  to change. Thanks.
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. (CA)

Ive been going back and forth with privacy rights violators, I want to know whom did you speak with to upgrade the two XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX and XXXX did an investigation and deleted both accounts..Im inclined to assume you guys fell short of your duties.remove all adverse accounts from my credit report U.S.C 1861 you people in your cult over there are violating my rights expedite it .My next step is law suit.Im a living breathing Devine being having a human experience not a computer algorithm you can disregard and and half XXXX in your work
Consumer complaint received 2022-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

After careful review of my consumer reports, I noticed an account on my report from LVNV Funding account number : XXXX. 
I have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between LVNV Funding and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company on any agreement. 
With that being said, had LVNV Funding sent a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to rightfully dispute this account before they unlawfully caused harm to my consumer reports. I am requesting that LVNV Funding provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FCRA Law allowing me the proper opportunity to dispute this invalidated debt. 
Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (OR)

I have requested the PMI be removed from my loan on multiple occasions. Once I got the amount needed to pay the loan below 80 %, with the last lump sum payment of {$9600.00} on XX/XX/XXXX another request was sent by email to remove the PMI. According to the letter from United Wholesale Mortgage dated XX/XX/XXXX it states the different ways to remove PMII qualify for the borrower requested cancellation of PMI removal option # 2 : the date the principal balance actually reaches 80 % of the original value of the property.

The PMI has continued to be wrongfully charged {$97.00} in XXXX and XXXX. I want these PMI payments reimbursed due to the current loan to value being below 80 % and I want the PMI removed ASAP. Every time my we contact UWM we get the run around and that the department is busy. It has been well over 30 days from removal request. This company is deceiving in what they state in their letters and on the phone, and lie and dont follow through on their end once they have my money. I can not talk to anybody or escalate anything in the escrow department. The frontline customer service reps can not fix my issue. I have tried many times and feel I am being tricked by my mortgage lender and they are actually now stealing money from me because they are taking XXXX per month without authorization.
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: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
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)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (KS)

On XX/XX/22 we were notified that our credit score had dropped XXXX points because of an account that went into default. We had no other information and had not received any bills or notices that any accounts were in collections. Based on the credit report information, we figured out it was a debt with XXXX XXXX XXXX, associated with my former employer. They paid for our internet service while I was employed there, and upon termination of my employment I returned all related equipment to the company. The company never closed the account or returned the equipment, and the billing statements were all sent to my former employer. Upon calling Credence Resource Management, we attempted to correct their records but they did not cooperate and would not correct the account holder. I sent a formal request for debt validation via USPS certified mail, which was received by Credence Resource Management on XX/XX/22 but they have yet to respond as of today XX/XX/22. I had to file a dispute with the credit reporting agency in order to get the debt removed from my credit report. I also incurred legal fees because my lawyer had to contact my former employer in order to get the account paid.
Consumer complaint received 2017-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

on or around XXXX XXXX 2017 capital one put a fraud alert freeze on this account, ok they wanted proof of address and proof of id which was sent then they wanted bank statement showing the address we sent all those then they said they needed the full account number for the bank account they were not accepting what was sent to tthem, so we got the bank to write a letter showin the full account number name and address now capital one is saying the bank wont verify the information over the phone, I explained to capital one that banks do n't verify personal accounts over the phone only with the account holder which capital one should already know that, also XXXX XXXX I tried to make a payment for full amount due they did not accept the payment because of the fraud alert issue, that for some reason they put on, then 5 weeks later I get a bill charging interest on the amount they did not accept for payment. anyways they have aggravated us wasted our time with phone calls callin banks sendin paperwork to tthem to prove who we are and still nothing I feel we are owed some kind of compensation for all this and capital one needs to be investigated for their behavior and handling of these so called fraud allegations, I am wilin to pursue this in court in need be. just as the bank told me they 've never heard of a credit card copany demanding a persons full account number for a bank account to verify proof of someone the bank even thought this was little shady and for us to be careful.
Consumer complaint received 2022-08-31
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done CAPITAL ONE can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If CAPITAL ONE reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2022-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (FL)

Starting XX/XX/2022, I started receiving Overdraft notices from Truist Bank. I called them numerous times explaining that I did not open this account. I continue to received the overdraft notices. Early XX/XX/2022, I received a consolidated statement from Truist Bank. Showing two different checking accounts. Again I called them, and explained that I did not open this account. The statement shows one account with {$4.00} and the other account with {$1200.00}. I have also received three different Debit cards from them, of which, I have not activated. I would like this bank to understand, I did not open these accounts and to have my name removed from them. Apparently they were opened by a fraud thief.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

My account with the XXXX  credit card was never late. I have tried to reach out to XXXX  and the credit reporting agency with no luck.
Consumer complaint received 2022-04-14
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)

According to the Fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX # 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 Section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am currently a victim of identity theft, XXXX, Equifax, and XXXX continue to report fraudulent activity on my credit report. XXXX  XXXX XXXX has been filed in XX/XX/2019, they did not comply within the 5-7 business days according to federal law.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My account with the XXXX  credit card was never late. I have tried to reach out to XXXX  and the credit reporting agency with no luck.
Consumer complaint received 2022-04-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Around XX/XX/XXXX, I received a letter stating that my FHA loan will now be services by Nationstar Mortgage XXXX d/b/a Mr. Cooper. My monthly payment was increased from {$1300.00} to {$2300.00} without any explanation. I was asked to contact a XXXX XXXX XXXX at XXXX. When I contacted her, she asked me to pay {$4000.00} via cashier 's check. I have not received an statement on my loan since XXXX, XXXX. In XXXX XXXX they asked me to send another cashier 's check of {$5200.00}, which I did. Last week, I received a notice from a legal firm XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX representing Mr. Cooper about a foreclosure. I have attempted to contact Mr. Cooper at the provided numbers many many times. The phone call just drops.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MD)

I got detained and incarcerated on XXXX XX/XX/XXXX at the time I was paying Experian XXXX a month for a lot of services that included covering identity theft while I was incarcerated at the XXXX XXXXXXXX XXXX for 14 months I didnt get released from that day until XX/XX/XXXX. My identity was stolen accounts tried to be opened up in my name and, I have bank statements to prove that I was paying experience XXXX for months and I do believe paid for the first month. I was in jail also which is when it started where my Were used one or two accounts have already been disputed and took it off my credit report from XXXX, but Experian continues to leave them on even though I disputed them three times provided paperwork that I was incarcerated, so therefore it would be impossible for me to use my three credit cards that I had about the XXXX area in the state of Maryland. And I called and reported to Experian and all my credit cards that they have been compromised that my wallet was not on my property sheet nor my tablet so my identity has been stolen. I was assured that it would be investigated. I spoke to experience late XXXX wish I wouldve kept track of the exact date but all the calls are recorded from the jail phone and all calls are supposed to be recorded from the Experian for training purposes so my complaint is I was supposed to be covered for identity theft, and it shouldve been no issue with the disputes and investigations with the slandering of my credit right now by the credit cards that remain and collection agencies I got an email from Experian saying that I have to dispute directly through the collection agencies and the credit card companies because I dont disputed so many times through experience well they took my money my XXXX a month and did not perform the services that they offered for the XXXX that is my issue and Ive already contacted the Maryland finance attorney general and Im going to forward this complaint to him also