davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armcon Corp (CA)

On XX/XX/XXXX there was a serious accident that happened to a MINOR XXXX XXXX at my residence. XXXX did not obtain correct billing information, such as address etc. The invoices addressed to MINOR XXXX XXXX was sent to my house at XXXX XXXX XXXX. Since this happened at my residence I began to pay these invoices. Attached are the invoices and my payment history which is not correct. Check XXXX {$5000.00} accompanying this invoice I wrote a note saying I will be taking care of this invoice and I would send another check soon with a " paid in full '' date of as soon as possible that I was experiencing some financial struggles. Not once did this company say that this was unacceptable and cashed by {$50.00}, Check XXXX for {$100.00} sent on XX/XX/XXXX was never cashed. again no invoices were sent to me. I then sent check XXXX for {$200.00} with a note that " I would pay in full the following month '', again no communication for this company, check was cashed. I sent a check XXXX for {$700.00} on XX/XX/XXXX which was never cashed and again no communication from this company. I have only received the attached invoice dated XX/XX/XXXX showing the payments made and checks cashed. I was under the impression making payments was acceptable. This company then sent these collections to CVCS and this company attached collections to all credit bureau 's damaging the credit of someone who had nothing to do with this injury or debt. I made every attempt to make good on this invoice. CVCS sent a notice to XXXX XXXX asking for money she isn't responsible for, also there are NO dates listed on this collection notice. All the checks cashed and sent have my name and address on them. Again, this invoice was addressed and sent to a MINOR XXXX y/o. It was the responsibility of the XXXX XXXX XXXX XXXX  to obtain the correct billing information and signatures of an adult or guardian. This did not happen.
Consumer complaint received 2024-06-21
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. (MO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-08-16
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX, ( XXXX ) XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-03
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. (TX)

I notice when i reviewed my reports on my free credit report.com. I had inquires listed on my credit unauthorize by me. and this all started happing once it was blasted about a data breach my credit information starting to get leak and subscribe for things i have no clue and not done to this. I would like this to end this will affect my prefect score i have if this continues. so please remove all three of these unauthorized inquiries from my report XXXX XXXX XXXX  and XXXX XXXX  XXXX
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

On XX/XX/year>, the Plaintiff deposited {$650.00} into a business checking account with US Bank. Prior to making this deposit, the Plaintiff confirmed with a US Bank supervisor that the account would be eligible for an account opening promotion, provided a minimum deposit of {$25000.00} was maintained for two months. Relying on this assurance, the Plaintiff, along with a third party, transferred a total of {$25000.00} into the account on XX/XX/XXXX and XX/XX/XXXX. 

Despite fulfilling the deposit requirement, by XX/XX/year>, the XXXX had not received the promotional account bonus. The XXXX contacted US Bank on that date and was informed by a representative that the bonus would be credited within 30 days, advising the Plaintiff to check back at the beginning of XXXX. 

On XX/XX/year>, the Plaintiff called US Bank again to check the status of the bonus, only to be told that they were not eligible for the promotion. Following this revelation, the Plaintiff withdrew the {$25000.00} deposit on the same day. 

On XX/XX/XXXX, the Plaintiff requested transcripts of all calls made to US Bank to corroborate the discussions and agreements regarding the promotion. However, US Bank refused to provide the requested transcripts, obstructing the Plaintiffs ability to substantiate the facts.

The Plaintiff asserts that all necessary actions to qualify for the account bonus were completed. Additionally, prior to taking any steps, the Plaintiff sought and obtained confirmation from US Bank regarding eligibility. If there were any eligibility issues, US Bank should have notified the Plaintiff during the initial inquiry on XX/XX/year>. The Plaintiff has been misled and denied essential documentation, further exacerbating the situation.
Consumer complaint received 2024-09-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PENNYMAC LOAN SERVICES, LLC. (HI)

I, XXXX XXXX, initiated a refinance of my home. Part of this refinance was receiving a quit claim ( attached ) from another party. This quitclaim signed over all interest and equity in the house to me. The quit claim was signed XX/XX/year>. It was recorded on XX/XX/year>. The refinance was completed on XX/XX/year>. A part of the proceeding is that Pennymac reimburse me, the sole party of interest in the property, the amount of the escrow account associated with the closed loan. Pennymac made no effort to contact me in regards of how or where to direct the refund. They had access to the quitclaim document. Then issued the refund to an incorrect account that I had no claim or access to. When I contacted Pennymac, they told me that it was not their problem and won't do anything about it. After continuing communications with them, they informed me that they would look into it to correct the situation, however they never filed a case number, and did not call me back. I then called again, to which they said they would contact the other party as a " final attempt '' at resolving the problem. They have not called me back. 

What I have gathered from this interaction is that they knew that they were reimburse the escrow account funds to me and me alone, they did not even attempt to ensure that it would be properly sent. Then, when informed of the issue, would not correct their mistake. This leaves me entirely without the money I am owed through no fault of my own, with Pennymac only denying their responsibility as the fiduciary party. I only wish to recover my money from Pennymac in a timely manner.
Consumer complaint received 2024-09-12
Product: Credit 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: JPMORGAN CHASE & CO. (DC)

Chase has now repeatedly failed to respond to a single one of the points made in my dispute and is neglecting its responsibility under the FCBA to conduct any investigation into the propriety of a charge. My response to Chase is attached. In it, I made 4 separate points, none of which Chase addressed. First, I dispute that any damage occurred to the car I rented. The merchant, whose employees were irate because I refused to wait in their office indefinitely to hand over the keys due to their understaffing, was not available to do a walk around of the car with me, and I left. Later, I was emailed a single picture of damage which does not even show the license plate or ensure it was the same car I rented, and my card was charged when I was not present. Second, I dispute that the damage occurred to the car while it was in my possession. The merchant 's parking area is in a busy throughway and the damage was reported well after we parked. Third, the merchant never provided a copy of the contract which would allow a XXXX XXXX  administrative fee to be charged. The copy of the contract does not provide for a XXXX XXXX  administrative fee. Chase is allowing the merchant to charge my card whatever the merchant wants. Why not a XXXX XXXX  fee? Why not XXXX? Apparently it doesn't matter to Chase what the contract says. Fourth, the copy of the contract the merchant provided did not allow for the XXXX XXXX  loss of use fee, and the merchant provided XXXX substantiation ( such as usage logs ) that a broken tail light cover would've required the car to be out of service for two days XXXX  beyond the simple incredulity that a repair would take that long ( or that the repair was ever actually performed ). I'm afraid to use any Chase card again since a merchant seems to have an unlimited ability to charge amounts in excess of contract, and I've opened a new card to shift my business to. This is not the first time I've had this problem with Chase or this merchant charging in excess of the price written on a contract, and Chase refusing to do anything about it.
Consumer complaint received 2023-06-07
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. (NJ)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

It's incredibly distressing, and you can't imagine how bad it is. I'm an honest person working hard, but when I look at my credit report, all I see is false, incorrect, and inaccurate information under my name. As a consumer, I know I have rights and protections, but it feels like a lie. I want to uphold my rights under the law, even though these errors are already negatively impacting my life and credit. I need your help to fix this. I'm sick and tired of living paycheck to paycheck and having my credit applications denied because of these mistakes.
Consumer complaint received 2024-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Business Financing Corporation (OH)

In XX/XX/year>, I entered into a XXXX XXXX XXXX XXXX XXXX XXXX  agreement with CFG Merchant Solutions. The contract stated that it was an XXXX, but the terms included fixed daily payments of {$100.00}, which did not vary based on my businesss sales. The total amount I was required to repay was {$8900.00}, while I only received {$6000.00}, resulting in an effective APR of 217.7 %. 

The contracts terms resemble a loan, not an XXXX, as payments were fixed and not tied to receivables, as would be standard in a true XXXX. This high interest rate violates state usury laws if the contract is considered a loan, which I believe it should be based on its structure. 

After two months of daily payments, I found the terms to be financially unsustainable. CFG Merchant Solutions has since threatened to enforce a XXXX lien, which would allow them to seize my business assets. Their aggressive collection tactics, combined with the misrepresentation of the agreement as an XXXX, have placed my business under severe financial strain, ultimately leading to its closure. 

I believe CFG Merchant Solutions engaged in deceptive business practices by misclassifying the agreement to evade lending regulations and imposing terms that are inconsistent with an XXXX. I am requesting regulatory intervention to address these unfair practices and prevent CFG from further pursuing aggressive legal action based on an agreement that should be subject to stricter loan regulations.
Consumer complaint received 2024-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

Related to complaint ID No. XXXX : Brief facts : I was scammed out of {$1900.00} dollars ( see details below and attached screenshot ) : when the two transfers didn't go, I tried again and the funds were sent to the scammer. For some strange reason, cashapp is putting a negative balance on my account for the two failed attempts totalling {$1900.00}, which the scammer has already received. My balance should be {$0.00}. These old transactions have popped up at the top of my activity timeline, which appears that cashapp is attempting to modify the historical activity. I have made two calls to them to explain after they claim they sent the {$1900.00}, but XXXX XXXX called today ( XX/XX/year> ) stating they have not received any funds from Cashapp and is sending a letter to confirm this. So either cashapp has sent additional funds to the scammer without my authorization or they need to correct their math. In any event, I'm being harmed twice-by the scammers and now by Cashapp! 


Background below : I'm was in my advanced training immediately after completing XXXX XXXX at XXXX XXXX XXXX Virginia, and I received a late night text from someone pretending to be a ranking officer. They referred to themself as XXXX XXXX XXXX. They asked for my social and account number. On phone call, he was asking your pay and that supposed to be higher. I thought he was from my XXXX unit. he said I would be eligible for back pay because I wasn't receiving enough pay. He convinced me to send the pay I received as proof of the amount I was receiving so he could send me the correct amount I should be receiving. He sent me a cash app request from XXXX in the amount of {$1900.00}, and XXXX is the company who pays me, so I approved the amount. But it didn't go through. Then I received a second cash app request from XXXX for the same amount, and I approved it. Then I quickly realized my mistake and called my parents, who then called XXXX XXXX and reported what happened. XXXX XXXX has been investigating the fraud since that time, and just informed me on XX/XX/year> by letter that they " completed their research ... and the provisional credit of {$1900.00} ... has been made final. Then I learned on the same day that XXXX XXXX reversed the charges in my cash app account putting it into a negative of {$1900.00} without any notice or authorization from me.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (MA)

I received an email from my XXXX credit card on Saturday XXXX reporting new accounts opened. One by XXXX XXXX XXXXXXXX which I have contacted to report and one by US Bank Consolidated with a non working number on my credit report. I did not open these accounts.
Consumer complaint received 2024-09-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (FL)

XXXX : I tried an international remittance of {$1000.00} through Remitly to XXXX. The transaction was cancelled from their end, and I got the refund immediately. 
XXXX : I tried again. This time, it showed " delivered '', but the recipient ( my XXXX account ) didn't receive that. 
XXXX : I contacted Remitly, and they informed me the UPI ID was incorrect. They said they had mailed it to their partner bank in XXXX. After they receive the money back, I can edit/cancel the transaction. I was told to wait for three business days. 
XXXX : I contacted them over chat. They told me to wait for three more business days. 
XXXX : I contacted them again. This time, a kind woman was able to retrieve the money. I updated the details to another UPI ID, which I had successfully used in XX/XX/2023 to send money. It showed delivered again. 
XXXX : I contacted them asking about the transaction. I was told that since this is an updated transaction, it will take more time. 
XXXX to XXXX : I contacted them many times in between and got the same response " to wait ''. I was also informed the UPI ID was correct. 
XXXX : I was told that the XXXX side faces issues due to system updates and maintenance. I was told to wait 4 business days and get a refund, or the recipient will get the money. ( have email proof ) XXXX to XXXX : Called them 3 times in between and chatted multiple times. I have sent them a statement of the XXXX account through the app. They say they are still investigating and will take some time.
Consumer complaint received 2024-09-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (VA)

On XX/XX/year>, my husband and I initiated a recast of our new mortgage by sending a certified check to Rushmore in the amount of $ XXXX, which was immediately cashed. We sent the initial paperwork to recast the mortgage in XXXX, and Rushmore claimed the documentation was never received, although our XXXX tracking number confirmed the documentation was delivered. We re-sent the documentation and sent it via XXXX and guaranteed it would be delivered by XX/XX/year>. Rushmore declined our application because our paperwork was " late '' and said they didn't receive it until XX/XX/year>. They've asked us to apply again, for a third time. They are holding a significant amount of money that was intended to recast our loan and reduce our monthly payments. They are losing track of our application and forcing us to start the process over, which brings us to the start of a 90 day process. Their disorganization is costing us thousands of dollars every month. Getting answers from their customer service is difficult- they are either incompetent or hostile.
Consumer complaint received 2024-08-09
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)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-09-05
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: ROBINHOOD MARKETS INC. (CT)

I am submitting a complaint against Robinhood Credit , Inc. ( formerly known as XXXX ) for failing to address a critical issue related to the FAIRNESS and accuracy of the information they reported to credit bureaus concerning my XXXX Card account. 

On XX/XX/year>, I lodged a complaint with Robinhood Credit , Inc. regarding what I believe to be unfair and unauthorized reporting of my transactional history. My initial complaint was based on the understanding that, under the Fair Credit Reporting Act ( FCRA ), transactional history is generally excluded from permissible reporting unless explicit written consent is provided. I have never given such consent.

In their response, Robinhood Credit , Inc. asserted that the balance reported to the credit bureaus matched the statement balance from my XX/XX/scrub>XXXX XXXX XXXX account statement. However, their response failed to address the central issue of my complaint : the fairness of reporting this balance without my consent. 

The FCRA mandates not only accuracy in reporting but also fairness. The unauthorized inclusion of transactional history, in the form of a cumulative balance, is neither fair nor compliant with the FCRA. Accurate reporting alone is insufficient if it is not also fair. By reporting this information without my explicit consent ( See 15 U.S. Code 1681b ( 2 ), Robinhood Credit , Inc. has violated both the letter and the XXXX of the FCRA. 

Thank you for your attention to this serious matter.
Consumer complaint received 2024-07-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: PNC Bank N.A. (CA)

I was trying to pay off my balance on a HELOC ( over {$410000.00} ) with PNC Bank. They stated over the phone that the only way to pay the balance in full was to send a check or go into a branch. I was away from home and not able to do either, and they could not accept a wire or transfer for the amount of the balance. Instead, they allowed me to transfer from an external account but there was a limit on the amount and number of times I could do so ( had to be less than {$100000.00} and no more than once per 4 business days ). Therefor, it took me a series of nine payments over a two week period to pay off the balance- during which time they charged me additional interest payments. They also applied part of a payment to an interest only payment that was scheduled but not yet due. After the balance was paid off, they took an additional interest payment out of my checking account. If was able to pay off the HELOC when I wanted to I could have saved over {$5000.00} in interest payments. I've called over 5 times and escalated to supervisors, thus far no one has been able to help or provide a credit to the interest charges. It also appears that a further interest payment is scheduled for XXXX even though the balance remains at XXXX for the loan.