davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
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 — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION (GA)

This account with Regional Acceptance Corporation is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that Regional Acceptance send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.
Consumer complaint received 2020-07-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical Society Business Services, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be  equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2024-02-21
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. (MS)

Name XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$1100.00} Balance updated XX/XX/XXXX XXXX Balance {$97000.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$1500.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$5500.00} Balance updated XX/XX/XXXX DPT ED/XXXX Balance {$3800.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$7000.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$5100.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$5900.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$4000.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$830.00} Balance updated XX/XX/XXXX DPT ED/XXXX Balance {$140.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$1000.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$6000.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$4000.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$7400.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$5100.00} Balance updated XX/XX/XXXX DPT ED/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX XXXX
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

My servicing company PennyMac collected an escrow payment from me, and was supposed to adjust my mortgage. Additionally, I continue to receive notices from my insurance company suggesting my home insurance hasnt been paid. At a minimum now the effective dates are different, but PennyMac is unreachable.

Even after staying on hold for 30 minutes at a time, they simply disconnect my calls.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am writing this complaint due to Equifax not responding to request to have a inaccurate account removed due to it being fraudulently added to my account. I have disputed the account several times and I get the same generated response days later. I initially contacted Equifax on XX/XX/XXXX by mail, in reference to the account from XXXX XXXX XXXX XXXX, which is in the amount of {$380.00}. Following the generated response from Equifax, I contacted them again by mail on XX/XX/XXXX. Receiving yet another generated response, I contacted Equifax by mail again on XX/XX/XXXX. This account is fraudulent and inaccurate, and is being published and distributed to 3rd parties and is damaging my reputation and credit worthiness.
Consumer complaint received 2018-06-22
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: TD BANK US HOLDING COMPANY (TX)

I was trying to make a purchase on my credit card number ending XXXX and it was declined by the bank and I called them and they told me that they will send me a one time passcode to my phone number ( XXXX XXXX wasn't verified and told me I have to wait and didn't give me a time frame and I was unable to use my credit card and the fraud rep was laughing at me and didn't ask for any documents from me or anything I like my ID OR DRIVER LICENSE AND I CANT USE MY CREDIT CARD AND I REFUSED TO PAY THIS BILL AND I ASK FOR A SUPERVIOR AND SHE WOUDNT TRANSFER ME AND I have received calls from the fraud dept 7 times every time I make a online transactions and they are mines and now on XX/XX/2018 I still cant use my credit card
Consumer complaint received 2020-07-18
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. (TX)

FTC Violations Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well. 
XXXX XXXX XXXX XXXX {$3700.00} # XXXX XXXX  card # XXXX {$7400.00} Please remove addresses never live there XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NM)

To Whom It May Concern : I am writing this letter to make a complaint and have investigation done against Equifax regarding my credit report. I have called and called and called and a representative gets on the phone from Equifax not able to speak good English and I have to keep repeating myself. Not only that I have been hung up on, but I also have left messages for supervisors to contact me back regarding my SCORE and no response. The worse customer service! I paid off a home loan last year, paid creditors that were listed on my report, and etc and my credit score has not changed a bit. I am discussed with Equifax.

I dont need a copy of my credit report. I need answers! My credit score is lower than my other scores. I know fully what is going on with my credit and know that my score should be much higher. I am writing letters to the XXXX XXXX XXXX, Mayor, and anyone else that needs to be notified about Equifax behaviors. Credit scores are important in everyones ' life and to have people like this at Equifax with disrespectful and inappropriate behaviors that is handling your credit report is scaring. If I dont receive a phone call back, I will file a law suit against Equifax, which I have already spoken to an attorney!
Consumer complaint received 2022-09-12
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 am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed ( XXXX. XXXX XXXX, ) be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish theses accounts.
Consumer complaint received 2017-08-23
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: EQUIFAX, INC. (LA)

I 've experienced several unsuccessful attempts to have some inquiries removed from my Equifax credit report as they are reporting inaccurately. I have spoken with countless agents who 've given me the run around about having this incorrectly reporting information removed from my credit report. Due to these items being reported inaccurately I am having trouble acquiring things that I actually have knowledge of. I was told on more than one occasion that these items would be removed and that my credit report would be updated in 24 hours with the inquiries removed yet that has n't happened. On today XX/XX/XXXX these incorrect items are still being reported inaccurately and I would like to have them removed as I was told they would be. 
They are as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove these items ASAP as they are hurting my credit image and damaging my credit worthiness with potential creditors. Thanks in advance!
Consumer complaint received 2021-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WV)

I have had a care credit with synchrony bank for over a year and I may have had a late payment here or there but 6 months in they reduced my card without warning. I have been in awesome standing with them for the past 5 months and after I laid them off about 2 weeks ago they closed my account without warning. I went to use my card and discovered it was closed. When I called they read me off a letter I never received. I have several cards with synchrony bank and some have even raised my credit limit. After I paid them off they closed my account I believe it is the care credit company and not the actual bank. They wanted me to reapply to put a ding on my credit file.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FTC Violations Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well. 
XXXX XXXX XXXX XXXX {$3700.00} # XXXX XXXX  card # XXXX {$7400.00} Please remove addresses never live there XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (AZ)

Hi, i use to bank with us bank until everytime i got a bank account an would set it up so i couldnt go in the negatives, it always brought me to the negatives because it would show money i had in my account that was just pending but it still aloud me to spend the money leaving me negative. a company calls me almost everyday saying i owe them over {$300.00} for the debit card. im a young college student and dont have money to be giving that i never spent.
Consumer complaint received 2022-09-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (FL)

I applied for the Homeowner Assistance Fund ( HAF ) program with the Department of Economics and was approved. I notified my mortgage company Sun West Mortgage that I had been approved for mortgage assistance and had been approved. I sent the approval letter. On XX/XX/2022, my mortgage servicer Sunwest Mortgage Company received payment from HAF and on XX/XX/2022, my mortgage servicers return the payment to the sender. I have sent several emails and phone calls requesting the reason for this. I do not want to lose my home and am asking the company to not Refuse these payments. HAF has agreed to pay. PLEASE WORK WITH ME
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My only mailing address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX as I told them in a written letter with clearly legible photocopied acceptable ID. I received a rejection post card from them with bogus reasons.
Consumer complaint received 2019-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (CA)

I have a checking and saving account opened in the XXXX, XXXX, PA area PNC bank. I no longer live in the area but do transfer from time to time to make my account active. 

However, when I am trying to log on my account on XX/XX/XXXX, I found out that my account was closed. I called the bank and they said that it is due to inactivity. They did more research and cal me on XX/XX/XXXX and said that online transfer does not count as activity, so my account is escheated to the state of Pennsylvania. They claimed that were trying to reach me couple time later but I have never receive any mail, call nor email. Also, when I open my account, the representative never told me that the online transfer is not count as activity.
Consumer complaint received 2020-11-13
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: EQUIFAX, INC. (NY)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (DC)

I've tried to settle the dispute amicably and have the itesm with American Express deleted from my credit reports. 

I spoke with American Express representative XXXX XXXX who disclosed on XX/XX/21 at XXXX that the account can not be reported to a credit reporting agency and payment or non-payment of the account will not affect my credit score. I have a voice recording of the American Express official. 

The American Express acounts are being reported negatively and the data is from 7 yeara go and is improper. 

I agreed to settle, in good faith one acocunt, but the collector, XXXX XXXX refuses to delete the item s its collector denote and clesr the item.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have been having problem with Experian for some reason they will not update my report. Can you tell me why? I think is ridiculous that I have to file another complaint to get them to update my report. How hard it is to update like they are suppose to. I want this fix now.
Consumer complaint received 2015-09-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Paypal Holdings, Inc (MN)

My parents have been receiving phone calls on an almost daily basis from XXXX, XXXX XXXX XXXX. My mom was given a reference number and a number so that I could contact them. When I called it was brought to my attention that Paypal had requested they start a collection process from me. I contacted Paypal only to find out that there were multiple accounts opened under my name, which have since been closed. Never have I opened or used a Paypal account. They were made aware of this, but somewhere between Paypal and XXXX the communication was lost.
Consumer complaint received 2018-06-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CO)

I receive up to at least 30 calls a day from this company back to back. They range from being 10-20 minutes apart to at least 5 an hour. I understand I have a debt that needs to be collected but to call me this many times a day, starting immediately at XXXX sharp, is ridiculous! I would like for them to just stop contacting me all together.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

This is not an account that should be on my report. I have never lived In This complex. 

I have been a victim of identity theft. and will be attaching an affidavit to this report.
Consumer complaint received 2020-07-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical Society Business Services, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE