davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (TX)

PNC Bank issued a check to us to the wrong address in XXXX 2013. We have repeatedly contacted them to reissue the check to us at the correct address without resolution or response. The check is in regards to a settlement with federal regulators for fraudulent and faulty foreclosure practices.
Consumer complaint received 2024-02-15
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)

Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e 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. 

Summary of Accounts being Challenged in list form : 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 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 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Ive been disputing a Bank of America account on my credit reports. Today I received this letter from them which I am uploading and submitting attached to the letter is my response I am sending back to them. This account was opened well over 7 years ago. I paid off what I had charged back then. Shortly after that fraud was on the account I reported it immediately. This has been going on for over 7 years now and having this negative incorrect information on my credit reports is affecting my credit score.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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 XXXXXX/XX/year>
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (VA)

According to ZION DEBT HOLDINGS, they bought a debt from XXXX XXXX XXXX for the amount of {$1300.00} which they claim I owe. They say XXXX didn't cut off their service until XX/XX/XXXX. I have not lived at that particular house since XXXX. I called XXXX right before I moved & told them that I was canceling the service. The representative ask if I wanted to transfer my service & I told her I couldn't afford it & to just discontinue service. I didn't save my monthly statements because I didn't think it was necessary. I have ask Zion for verification of the debt but the woman I talk to ( everytime I call ) tells me they don't have it. XXXX didn't give them that information. In the meantime they've put this alleged bill on my & my daughter 's credit. My daughter signed for me to get the service & now they're ruining her credit! Her credit score was 800+ but now it's steadily dropping & she's very upset. She just bought a car for her son & because of the credit score drop she had to pay a higher interest rate. We never thought anything about getting a debt in collections for a home security account. This woman had " repeatedly '' told me that this is a bill for services rendered but when I kept calling she now says it's a " breech of contract '' billing statement. I KNOW that this a mistake, possibly someone's else 's account. Now this woman from Zion is saying that I didn't complete the cancelation?!?!??? I have told her repeatedly that I called XXXX & canceled my service & the representative didn't tell me to do anything further. XXXX has already filed for bankruptcy again & I think that possibly they are making mistakes on their accounts & it is sorely unfair for my daughter & I to be hassled over a bill that's not mine to begin with. I am having trouble with my credit because of many bills because of my health problems. I have Lupus & several complications with it BUT I don't think it's fair to cause my daughter to lose credit points because of a mistake. She works very hard ( nurse ) for her money & she prides herself for having a great credit score & I was starting to work on mine but this has drug it down under 500. I know I'm repeating myself but I just want to make it clear that this is most definitely a mistake. One more thing I don't understand is WHY has this so-called bill just now surfaced? I hope you can get this resolved. My idea of a resolution would be for Zion to release my daughter & I from this claim.
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (TX)

I was locked out of my CitiBank online account. 
I reset the password twice. Eventually got 100 % locked out to where Citibank said that they would send a new card. 
New card was never received and when called to finally close out the account I have not received final confirmation that the account it closed.
Consumer complaint received 2022-07-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-02-04
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. (AZ)

EQUIFAX deleted 3 fraudulent accounts and hard inquiries off of my credit report and file that I filed identity theft for starting XX/XX/XXXX. I never gave EQUIFAX written consent to furnish any of these accounts and inquiries on my credit report and file, violating 15 USC 1681b ( a ) ( 2 ). 

This violation was stated in an Affidavit of Truth sent on XX/XX/XXXX for furnishing a XXXX XXXX account without my written consent. ( proof of them receiving it attached ) EQUIFAX compiled by deleting all of the accounts and inquiries I demanded to be r

emoved, but did not compensate me for the violations they committed against me. This is unlawful and against the FCRA.

Pursuant to 15 USC 1681n of the FCRA, I am to be compensated for any violations committed against me. 

Attached is an invoice I sent with the Affidavit of Truth sent on XX/XX/XXXX. 
Equifax has this invoice in their hands and did not comply fully with federal law protocol for their unlawful acts. 

As mentioned, attached is the invoice I sent on XX/XX/XXXX. I also attached an invoice for all of the additional violations EQUIFAX committed against me from all other accounts and hard inquiries they furnished without my expressed written consent- totaling twelve ( 12 ) additional violations. I demand EQUIFAX compensate me for the violations they committed against me. 

Proof of all deletions is attached. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

Green Tree Servicing has force-placed insurance after receiving proof of insurance from both the insurance agent and borrower. Multiple calls, faxes and emails have not resolved this issue and they continue to charge their own insurance premium. Multiple voice mails for supervisors have not been returned.
Consumer complaint received 2015-10-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I tried to refinance my loan to lower my monthly payments due to hardships. My claim was Denied and my house payment was increased to {$200.00} a month and will increase each year {$200.00} each month!
Consumer complaint received 2016-05-10
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Professional Finance Company, Inc. (CO)

I have tried calling the collection agency to resolve my financial issue, because I am hard of hearing and they wo n't communicate with me on speaker phone. So then I ask if they could communicate with me via email and they refuse. They told me to got get a different phone. 
First of all I do not owe the debt it was paid by XXXX XXXX. I tried contacting them and they said the the XXXX Doctor has to talk to them directly. The doctors office refuses to do this. Do n't I have the right to resolve my issue?
Consumer complaint received 2015-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

We had received an approval for a short sale with GreenTreeXXXX the buyer did their inspection and issues came up on the report. I alerted my closer at GreenTree ; XXXXXXXXXXXX, about the property report, and the buyer wanted a reduction in the price to cover the repairs ; and he told me that XXXX will not reduce the purchase price so I need to close with the approval I had. I contacted XXXX and they asked that I forwarded the property report to the servicer and they will forward my request to them to review it. I emailed me : XXXXXXXXXXXX, the reports and the addendum asking for a reduction in the purchase price. The closer XXXX XXXX, refused to forward the email to XXXX. I requested multiple times and my request went in vain. I decited to circumvent the servicer and email everything XXXX. This was when I received an email XXXX that my file wad cancelled in GreenTree negation system XXXX went ahead and reduced the Value to XXXX less although GreenTree refused to submit what XXXX had requested. This seems to be a practice of GreenTree to force you to close. I need my file reopened so I can close on this sale.
Consumer complaint received 2024-02-10
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. (DC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2021-12-28
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. (PA)

The three credit reporting agencies ( Transunion, XXXX, XXXX ) have not properly investigated my disputes. In most cases, they have either not investigated my disputes at all, or, simply relied on what the creditors have told them with no documents to support verifying the disputed accounts. Transunion and XXXX have also prevented me from submitting online factual disputes. 

I repeatedly requested details from my investigations, but I was not provided with the information. I have not received information regarding their methods for investigating my disputes, who they contacted, or any information that supports their opinion that these accounts are reporting accurately. The bureaus are verifying my inaccurately reporting accounts as accurate without conducting proper and legal investigations. 

These are violations of my rights. 

I submitted disputes for the following accounts, for various inaccuracies, but the Credit Reporting Agencies ( XXXX, Transunion, XXXX ) have illegally returned these disputed inaccurate accounts as verified. They are violating my rights and I want them to stop. 

XXXX # XXXX - Credit reporting agencies ( Transunion, XXXX, XXXX ) are updating this account even though it is closed. On at least one of my reports, ( XXXX ) the CRA  is reporting 30 chargeoffs after 2018 the year the account was closed!!! There should be no activity reporting after an account has been closed. This is a serious violation of my rights and needs to be addressed. 

XXXX states, " our role is to review accuracy and completeness of any disputed item '', but they have not done this for me. They are not performing their legal role. 

XXXX XXXX # XXXX Inaccurate Account. Credit reporting agencies, report this account without credit limit and highest balance. Illegally verifies account, stating it is accurate. 

XXXX  XXXX # XXXX I disputed for inaccurate payment history. CRAs verified account with no explanation. They did not provide proof such as furnishers bank statement or my payment history from furnisher. 

XXXX XXXX XXXX Disputed for inaccurate payment history. Account disputed was returned as verified with no proof or explanation. The CRAs only relied on the opinion of the furnisher with nothing to support it. 

XXXX XXXX XXXX The CRAs are reporting activity on this closed account.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

I Have Already addressed Victoria Secret about the late fees that have been applied to the card. 
I experienced a time when I called just about 2 hours after after the due date time. 
At that time, I was assisting my mother as she was ill, there was no internet service where I was.
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ideal Collection Services, Inc. (FL)

I have made multiple requests to XXXX and XXXX to send me proof of this debt owed and still have not received. They send back a letter stating verified. I have contacted Ideal Collection Services to ask for a contract between them and I but have not received anything. I am currently threatening to be homeless due to apartment agencies and mortgage companies showing I owe money to an apartment complex that I do not owe. They also have these documents under XXXX XXXX and I was not XXXX XXXX at that time due to my divorce.
Consumer complaint received 2020-06-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

In XX/XX/XXXX, my mother passed away leaving an IRA with SunTrust Bank in the amount of {$41000.00}. Her beneficiary was listed as her Trust. In XXXX, XXXX, I, as the trustee, submitted an Affidavit of Trust and a copy of the complete Trust to SunTrust requesting that they release the funds to her three beneficiaries. They refused at first but then after much diligence on XX/XX/XXXX, they opened ( 3 ) beneficiary IRA accounts for each of the beneficiaries and provided us with receipts. However, they never funded the accounts and therefore none of the beneficiaries have been able to transfer their funds.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XX/XX/2020- I purchased a webinar course from a company name XXXX XXXX also known as XXXX XXXX XXXX XXXX. 
XX/XX/2020- I contacted the merchant ( XXXX XXXX XXXX ) for a full refund in the amount of {$9000.00} dollars because service was not rendered. No Response from merchant. 
XX/XX/2020- I called Capital one credit card service to dispute the charge. 
XX/XX/2020- Capital one credited {$4000.00} dollars back to my account. Capital one required me to submit a questionnaire along with the dispute? 
XXXX XXXX I received and returned back the requested form. 
XX/XX/2020 Capital one Re-billed my credit card for {$4000.00} dollars. 
I called Capital one and they stated that they never received the requested form so I had the to resend it. When I requested the form for the second time, I realized that I had already submitted it 2 months, ( the mail has been behind ) XX/XX/2020 I called capital one about the charge and I was told my dispute was passed the deadline and that they sent my {$4000.00} dollars back to XXXX XXXX XXXX XXXX. 
XX/XX/2020 - I called the merchant and they stated that capital was never gave them back the XXXX dollars. 
Name : XXXX XXXX ( merchant XXXX XXXX aka XXXX XXXX XXXX  XXXX ) Name : Capital one ( fraud department )
Consumer complaint received 2015-10-24
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (CA)

There has been several issues. I was charged incorrectly for my card. Rush card owes me XXXX and refuses to pay. I had XXXX fraud fees on my card of XXXX each and they still have not investigated it and have not taken measures to refund y account or secure it. 
For two week + I have not been able to use my card.I have direct deposits that have mysteriously disappear and my balances have fluctuated They are crooks and I want compensation for all the turmoil I have been though I have called the company a number of times with no resolution.
Consumer complaint received 2016-01-13
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENCORE CAPITAL GROUP INC. (CO)

I received in the mail yesterday, XXXX a statement, which looked like junk mail. I give the junk mail to my niece to play with. When cleaning up after her, I caught a glimpse of this paper from Midland Credit Management ... saying they are a debt collector and I have to XX/XX/2016 to pay off this debt or legal action will take place. Its states, Original Creditor XXXX XXXX I called XXXX XXXX and was told my account was written off 5 years ago and I owe XXXX XXXX. They stated it could have been sold to a third party. I received a called from my niece 's grand mother XXXX years old, two weeks ago stating someone had been calling her home looking for me ... I do n't even now this lady very well or never used her or her family as a reference ... had to instructed her not to give any information out ... why would you harassed an XXXX year old woman. Apparently they did file a suit in another state against me without my knowledge. There has been zero contact with this company except for this junk mail letter ...
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I AM SUBMITTING A COPY OF INFORMATION WHICH WAS SUBMITTED TO THE US XXXX OFXXXX  GA REGARDING THE DISCHARGING OF TRUSTEE, AND CLOSING OF ESTATE. THEY WOULD NOT UPLOAD STATING MY CASE WAS CLOSED.
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (SC)

equifax They are saying it had to be seven seven years from last payment Past Due both of these accounts are past due date XXXX and the balance are wrong. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX