davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent multiple letters to Bureaus over the last year about this alleged bankruptcy and It was finally removed from my TRANSUNION Consumer Report on XX/XX/2022 Only. But 3 the accounts that tied to this alleged bankruptcy remains and they should be removed. These are the 3 accounts are tied to the alleged bankruptcy and the bankruptcy is removed/deleted from transuion so the accounts be removed as a result. 

XXXX XXXX ACCOUNT : XXXX XXXXXXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX, XXXX ACCOUNT : XXXX I sent all of the of required documents needed to show the alleged bankruptcy and the accounts tied to the bankruptcy must be removed. 

According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies ( XXXX, XXXX, AND TRANSUNION ) and the minors such as XXXX XXXX, XXXX XXXX XXXX and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court, I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 

Having the abovementioned information, ( XXXX, XXXX, AND TRANSUNION ) is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information. 

They continue to violate me as a consumer and I have called them as well and they continue to say that the Bankruptcy COurts verified the bankruptcy when clearly the letter states that they dont. So the are lying and committing FRAUD willingly and knowingly.
Consumer complaint received 2017-09-30
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: EQUIFAX, INC. (NC)

I had confidence that my personal credit history and information was protected by Equifax and had to go through the process of freezing all of my credit reports to protect my information. This is what I 'd expect my credit agency to manage and there was no assistance as I had to do the filings myself. I never received a notification and was directed to some web site to find out if I was impacted by the security breach. I do n't trust their site and did not apply for any of their credit protections and handled that process on my own. 

This is a serious matter with my personal information having been obtained through a reckless and unreliable security process on the part of Equifax. It is a serious lack of attention and protection of my financial information and is unacceptable. I will have to monitor when to release the freeze if I need to apply for credit or a loan.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing to address the severe discrepancies I discovered upon reviewing my credit report. The inaccuracies I found have caused me significant distress and concern. 

During my recent investigation of my credit report, I uncovered several unverifiable, invalidated, inaccurate, and questionable items. It is unacceptable that your agency failed to ensure the accuracy of these reported items, as mandated by the Fair Credit Reporting Act. 

Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is imperative that all information on my credit report is reported accurately. The presence of these inaccuracies is a direct violation of these regulations. 

Enclosed, please find copies of all letters I have previously sent in an attempt to rectify these errors. 

I demand immediate action to address and correct these inaccuracies. Failure to do so will result in further escalation of this matter. 

I expect a prompt response from your agency regarding the steps taken to resolve this issue.
Consumer complaint received 2017-09-30
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: U.S. BANCORP (NE)

On XXXX XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. 
The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MO)

Our cc account was closed. We need to know how much interest was paid to Amex and XXXX XXXX in XX/XX/XXXX. Amex tells us we need to call XXXX and XXXX tells us we need to call Amex. We keep getting the runaround. We paid them money in XX/XX/XXXX. they should be able to tell us how much was interest and how much is principal. Please help us. thank you
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (PA)

Since the Truist merger I have not been able to access my online banking, I have done all required but they have all my information incorrect. Went to bank and they denied their errors and I have been blocked from my on line account.Many others are dealing with their banking
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

We are requesting your assistance with PNC Bank located at XXXX XXXX XXXX  XXXX, OH XXXX. PNC Bank has violated the terms of our mortgage agreements, and we believe, are also in violation of the Truth in Lending Act of 1968. 

We are requesting your help in resolving the issue outlined below as soon as possible, and reprimanding PNC Bank for their callous handling of this matter. Our hope is they will not continue to treat other less resilient consumers this way. 

We are a retired couple with excellent credit who decided to refinance our primary resident in XXXX of XXXX to take advantage of the low interest rates available. We did not agree to an escrow account. And, we had not had one for decades because of our excellent credit and prompt payment of all our bills. It was also part of our selection criteria for the mortgage company we chose for this refinance. 

However, our mortgage was sold to PNC Bank, who apparently believe they are excused from following legal documents. And, feel they can use heavy handed methods and discourtesy to consumers to ignore their obligations. 

Here is an outline of events with reference to supporting documents : 1. On XX/XX/XXXX we refinanced our primary residence with XXXX XXXX XXXX, XXXX ( See Attachment 1 : HUD1 Closing Disclosure ). Included in the closing documents is an Escrow Waiver with XXXX XXXX XXXX, XXXX as a condition of our refinanced mortgage with them ( See Attachment 2 : Escrow Waiver ). 
2. PNC Bank purchased the subject mortgage from XXXX XXXX XXXX, XXXX and unilaterally added escrow payments to our mortgage bill in violation of the terms and conditions of our mortgage agreements. Our PNC Bank Account Number is available on request. 
3. My wife XXXX XXXX has made several contacts with PNC Bank to have the monthly escrow charge removed but without any success. She explained the apparent error to PNC Bank, and complied diligently to their requests for supporting documents to resolve the issue. On XX/XX/XXXX she submitted the documents requested by PNC Bank ( See Attachment : 3 Escrow Removal Request and Attachment 4 Escrow Letter ). 
4. We received a letter from PNC Bank Escrow Analysis Department dated XX/XX/XXXX ( See Attachment 5 PNC Bank Letter ) stating they would not : approve your request due to the following reasons. However, the reasons are not stated in the letter. 

We are demanding PNC Bank to stop this fraudulent behavior, stop collecting escrow payments from us immediately, and refund to us any escrow balance. We are further asking PNC Bank to comply with the terms of the mortgage agreements and stop making unilateral decisions to the detriment of the general public. 

We are available to provide any further documentation you may need and to answer any questions.
Consumer complaint received 2017-12-25
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. (NY)

I FOUND PUBLIC RECORD ON MY CREDIT REPORT IS INCORRECTLY PLACED ALONG WITH 8 ACCOUNTS IS NOT EVEN BELONG TO ME : 1- XXXX XXXX XXXX XXXX # XXXX 2-XXXX ACCOUNT # XXXX 3-XXXX ACCOUNT # XXXX 4-XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX 6- XXXX/XXXX ACCOUNT # XXXX 7- XXXX XXXX XXXX  ACCOUNT # XXXX 8-XXXX ACCOUNT # XXXX
Consumer complaint received 2022-03-10
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. (FL)

On XX/XX/2022 I noticed my credit score went down by XXXX points! The only recent change to my report was a payment that reduced what was owed to that particular card down by {$640.00}. In the past, anytime I pay my bills on time, and/or when my balance gets paid down, in turn my credit score either goes up a point or two, or it remains the same. Important note : I did not pay this CC off. I made an on time payment that reduced the balance by {$640.00}. 

For my credit score to plummet by XXXX points after a payment is made is absolutely crazy. I ran a credit report that shows Transunion looked at this one CC account on XX/XX/2022. The very same day my overall score went down. It appears to me they are basing my entire score on this one CC. 

All of my accounts are on time with 100 % paymen history. The majority of my other CC 's are either paid off, or they have a lower balance than this card. I recently lowered my overall credit card usage from 57 % total usage, down to 46 %. This particular CC has a higher balance. The interest rate is lower, so I pay this one down last. For Transunion to arbritarily deduct XXXX points from my overall credit score should be illegal. My entire credit score should not be based on one CC card balance. 

I contacted Transunion by phone on Monday, XX/XX/2022. I explained the problem in detail to the first lady and then to her supervisor. Both had very strong XXXX accents making it a bit tough to understand them. But I remained patient and polite. The two representatives I spoke to could not help. They had zero answers. It was a complete waste of time to listen to their montra of canned responses that were very obviously being read from a pamphlet.
Consumer complaint received 2022-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NC)

On XX/XX/ 2022 I constructed the attached letter and mailed it certified. No response was every received to verify this information. I have asked that this be removed from all credit reporting agencies. I was removed from one but not the other two. Please advise. Thank you
Consumer complaint received 2021-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/2021 I transferred {$100.00} using my debit card on the Venmo app ot my nephew. 
Two weeks after it was taken from my bank account and after several email inquiries he had not received the funds. He contacted Venmo ( ticket # XXXX ) and was told that " transfers are reviewed which may result in delays '' in being funded. They claim that transfers are usually complete within 3 days. Even after two weeks they respond that it could be 5 to 7 days to resolve!!
Consumer complaint received 2017-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: POPULAR BANK (CA)

From the period XX/XX/XXXX through XX/XX/XXXX three requests for payoff information for this mortgage have made. Requests have been made by both the borrower and refinancing lender. In each occasion XXXX XXXX/Banco Popular has claimed it will take 7-10 business days to produce the information and it will only be provided by mail. After the first request they claimed that no previous requests were made and no information has been received. This is preventing me from refinancing and costing thousands of dollars as a result of their refusal to provide basic information.
Consumer complaint received 2017-12-26
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. (TX)

The three ( 3 ) major Credit Reporting Companies claimed that the reason ( s ) why my Credit Score was low is " due to the length of times that open accounts have been active and the number of times lenders accessed your Credit report because you applied for Credit or for a Loan ''. This can not be correct or the complete reason for the low Credit Score. I have had open accounts for more than 24 months without ever making a late payment without just cause and regarding the amount of Credit Inquiries once I share my Social Security Number with a company I have no control over the amount of times they request my Credit History information for whatever reason ( s ) or who they share the Social Security Number with. The Credit Score should be based on the number of accounts, the way the accounts are being managed and the feedback that 's offered by the grantors.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. PLEASE DELETE THE FOLLOWING ITEMS : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (TX)

I have fraud address on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX texas i have 7 inquires on my equifax credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there is account fraud account XXXX  XXXX  for amount {$100.00}
Consumer complaint received 2022-03-10
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. (MN)

in accordance with the Fair Credit Reporting act XXXX  account # XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-10
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. (MN)

in accordance with the Fair Credit Reporting act XXXX  account # XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2017-09-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I filed my claim to ACE Cash Express Refund Program well before the deadline. Now the phone number does n't work and I have not received a refund.
Consumer complaint received 2020-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (TX)

I have two accounts from the same collection agency Eastern account system # XXXX and # XXXX. I have no knowledge nor was I contacted about this debt. I never received a phone nor did I receive a bill or statement of these two accounts. I have called to see what the debts were the man on the phone said it name was XXXX and that I owed nearly XXXX. He explained it was for medical bills. Any medical bills I had were paid by my insurance. He advised one was for a medical scan and the other was medical testing. I disputed these bills after never receiving validation. Per credit report it states unable to locate. My credit report and doctors whom I still use currently have accurate information and neither my doctors nor creditor agency have a issue locating me. I have never been made aware that is a bill/bills with unpaid amounts of money. I would like validation and all proof that these debts. Never received information nor option to dispute the information reported to XXXX. 

Acct number ending in XXXX is dated XX/XX/XXXX {$350.00} Acct number ending in XXXX is dated. XX/XX/XXXX {$370.00} The amounts of money are similar. 

Recently XXXX reports that collection agency attached one of the accounts as a brand new collection.
Consumer complaint received 2021-04-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: A & S Collection Associates, Inc. (AL)

XXXX XXXX XXXX XXXX XXXX has contacted me several times in the past year about a debt with XXXX XXXX XXXX that does not exist. I have requested proof of acct and have even contacted XXXX XXXX XXXX  who say this is a scam. They represent themselves as a law firm, are disrespectful, tell you that you committed a crime, threaten to sue you, say they called your bank and have your location. The calls, except for today which was a robo person, start with a woman claiming to have a package and that they will connect you with the person that is sending. Then a guy gets on and tries to verify your info while saying he is issuing a court summons/subpoena and you should handle the debt before court. Today, I was able to record both conversations with clear and direct threats. This company misrepresents who they are, claim to be a law office and gets you on the phone through deception. XXXX XXXX XXXX XXXX are their real name. My first call with them they wouldnt tell me who they were, just hung up, after I didnt cooperate. The XXXX XXXX times they represented themselves as attorneys/law office. The XXXX call approximately XXXX months ago said they would serve me at a specific time at my public records address. Nothing. NO paperwork has ever been furnished as proof despite requests, account doesnt exist with american web loan, not on credit report, Nothing.