davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX XXXX creditor : XXXX -Account XXXX XXXX, XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount # XXXX, XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The following Inquiry : XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XX/XX/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 2022-11-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (FL)

I've been calling and chatting almost daily since the first week of XXXX trying to get information about payments. I'm being approved for the Homeowner Assistance funds for 17 futures mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. XXXX voided and reissued check XXXX via ACH to XXXX the morning of XX/XX/2022 once they confirmed all homeowners on that account were theirs and a check # XXXX that XXXX confirmed they received. As of today, only one payment ( check # XXXX ) was posted on XX/XX/XXXX covering my XXXX payment. Now my XXXX and XXXX payment are past due because they aren't applying the payments on time. They send me a letter letting me know that I'm past due but in reality, I'm not because they had my monthly payment the problem is that they are holding it back. It's a nightmare every month dealing with late fees that are unfair since the payment arrive on time.
Consumer complaint received 2023-06-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Media Collections, Inc (AL)

I was contacted by phone by a representative of Joseph , Mann & Creed about a debt to a company called XXXX for payment of a motorcycle monthly bill of XXXX. My bank was referenced as the connection to the debt. I told the representative that I will call my bank and call them back. I spoke to a rep from my bank that owns has the lean on the motorcycle and they assured me that the account was in good standing just as the bank website is reporting.
Consumer complaint received 2023-06-23
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: World Acceptance Corporation (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 2023-04-12
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (TN)

I was contacted yesterday by " XXXX '' at XXXX XXXX. EST. I had just filed my taxes and was dealing with a new auto loan so I was expecting calls. When I answered the phone, she said it was being recorded. I asked who this was, and she kept repeating the question of " Is this so and so '', my full name. I refused to answer and I kept asking who is this? until she finally answered something like " I work for ERC ''. I did a quick XXXX XXXX and ERC shows up as an IRS ( government ), therefore I confirmed the zip code and city of the address she was providing. They probably do this on purpose. Only after consistently trying to hide who she was and why she was calling, did she reveal she was a debt collector. She recorded my address and requested information without letting me know who she really was. On top of that, this is a very old " debt '', that is not actually a debt. I do not owe them money and I refuse to have anything to do with that company. I have documents proving this but I am hesitant to go to court over XXXX dollars. XXXX ruined my business. Their technicians even gave me their personal numbers so I didn't have to deal with them because of how horrific they treated me. I cancelled my plan and their incompetence led to a false balance. I overpaid for services I did not receive and their lack of service led to the destruction of my business. I have no issues/debts with anyone else. I will never send XXXX a dim. They should reimburse me for the THOUSANDS they lost me. 

According to FTC 807. False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Pentagon Federal Credit Union has a publicly posted policy that in branch withdrawals of {$2000.00} or more require 24 hours notice. I gave the branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX notice on XX/XX/2023 at XXXX notice I need to withdraw more than {$2000.00} from my checking account. It is now 72 hours later and I have been unable to withdraw funds my checking account. There is no direct phone number for the branch or branch manger. Unfortunately, the branch is a 35 mile drive one way so I am not easily able to just go talk in person. I have called the publicly posted phone number, XXXX, multiple times with representatives telling me they will contact the branch manager. The first name of the manger is XXXX, I have not been given his last name. I have been told three times over the past two days that XXXX the branch manager will contact me directly to discuss my request. My deposited funds are being held hostage and the bank is not following their policy. I am unable to make a purchase I need because the bank will not release funds.
Consumer complaint received 2023-06-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (OH)

I have already submitted two complaints with you guys for apartments that were wrongfully leased in my maiden name ( XXXX XXXX ) One was for an apartment in XXXX XXXX XXXX XX/XX/2022. The second one was for an apartment in XXXX XXXX called XXXX XXXX. This one is for another apartment in XXXX XXXX XXXX  called XXXX XXXX XXXX apartments. It says the account was opened on XX/XX/2022 and I owe {$2900.00}. Once again, this was not me doing this. I have never even visited these states.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

XXXX  bank to US bank merger, all online systems are unusable and customer support is useless. this is causing me to have to resort to payments via credit card from another company which is, in turn, causing me to have to pay additional fees. 

A quick look at their XXXX  page reveals a huge number of customers with the same issues. Apparently, customer service is clueless or grossly understaffed, telling people to wait 4-7 hours for a callback.

I can not get the link, but one such post contains the title, " Joining U.S. Bank
from XXXX XXXX? Mobile and online banking new enrollment is not quite ready. Were working quickly to give you access. Thank you for your patience. '' The user comments can be viewed there. 

I also received a credit card to activate, which was, as expected, unsuccessful. When attempting to log on to the US Bank site at which I had previously registered, my username was disabled, no doubt due to some glitch in their system. 

This merger as it is called, happened on XX/XX/2023. Why wait for our enemies to cripple our financial systems when our own institutions are doing it just fine?
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

California Franchise Tax Board issued an electronic reversal for the bank levy placed in error to Bank of America to be released on XX/XX/XXXX, before the funds were to be released, after a hold was placed on my account over the weekend in the amount of {$2000.00}. The California Franchise Tax Board told me that BOA should have credited back my account within XXXX of receipt of the efaxed withdrawal, sent to BOA 's legal order processing department. It has been sent to BOA XXXX times. The last representative from the California tax board even stayed on the phone with me while the fax was sent a third time. Following this, when I called the BOA representative stated that certified funds would be sent to the California Franchise Tax Board on XX/XX/XXXX in the amount of {$1900.00}. BOA keeps denying receipt of the electronically sent legal order/bank levy withdrawal, is giving me the run around when I requested the legal documentation, as a tax payer, sent to them by the California Franchise Tax Board . I was not properly notified by BOA in advance about the pending legal order that was issued on XX/XX/XXXX, even though I have consented with BOA to communicate any and all documentation electronically and paperless. The California Franchise Tax Board notified me that BOA was supposed to provide advanced notice of the pending withdrawal in order for me as the consumer, account holder, and tax payer, time to remedy the bank levy and to potentially stop the debit of said owed funds. Bank of America denied me of that right. When I asked for page XXXX of the legal order bank levy withdrawal documentation of which I was informed by the California franchise tax board that I have right to, the representative said that I would physically need to go into a BOA branch and sit with a representative who would contact BOA 's legal department and email/ read the documentation to me while I sit there in a BOA branch.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022
Consumer complaint received 2022-11-09
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 am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (NJ)

On or about XX/XX/XXXX I filed an affidavit of fraud with Truist Bank ( copy attached ). The fraud involved a business check that was mailed to me on or about XX/XX/XXXX that I never received nor did I know it was being sent to me. I found out about it in the end of XX/XX/XXXX when I was notified about some income tax information from the company that issued the check. The check was payable to me in the amount of {$7500.00} and the back of the check was signed with someone else 's name. It was an obvious fraud since the name on the back of the check was different from my name, and cashed or deposited at what I believe to be XXXX XXXXXXXX XXXX. 

The company that issued the check notified Truist of the fraud on XX/XX/XXXX. Neither the company that issued the check nor I have received any response from Truist except they are still looking into the matter. i would appreciate if you could help me recover this money. Thank you.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

overdraft and charge me XXXX $ XXXX and time covid XXXX theydidnotsend my money the goverement help me andcharge XXXX $ every month without any reason make new crediet without igave any permisan
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NJ)

XX/XX/2023 is showing late mortgage payment. This is false. Weve never missed a payment. We applied for a loan modification at that time and mr Cooper incorrectly reported us 60 days late. Weve contacted them and also the credit bureaus but they refuse to correct it
Consumer complaint received 2022-12-20
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 recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX, XXXX  and equifax to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.
Consumer complaint received 2023-06-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (SC)

We have a Buisness Loan with Wells Fargo ( XXXX # XXXX Acct # XXXX ). During COVID we were not required to pay on the this loan for several months. This Buisness Loan is under XXXX XXXX XXXX XXXX XXXX XXXX The loan matured on XXXX/XXXX/XXXX. There was a remaining principle ammount of {$20000.00}. There were funds in the account to make the monthly payment but, Wells Fargo did not take it. I have been to my local Wells Fargo Bank in XXXX every week since this occurred. 

The local Wells Fargo Bank ( POC : XXXX XXXX. XXXX ) intially filed a complaint ( # XXXX ). After a week I got a call from XXXX XXXX in the resolution department for Wells Fargo ( XXXX ; Complaint # XXXX ). We were told that that our relationship manager would have to make a Loan Modification or extension. This would come from a Commercial loan Representative because, the loan was a Commercial loan. I was instructed to return to my local Wells Fargo Bank. This time the Bank branch manager got me two points of contact in the main office ; XXXX XXXX ( XXXX ) & XXXX XXXX XXXX XXXX ). I waited 3 days as requested and began to call weekly. All I got was voicemail with XXXX XXXX. No one every has called back. 

I went back to my local Wells Fargo Bank and asked what to do. The bank Manger E-mailed both XXXX XXXX XXXX XXXX. We have heard NOTHING. It has been over a month since our last statement. 

I request assistance. We do not want to default on this loan. We can not afford to completely pay off the reamining balance of {$20000.00} that occurred because of the Cares Act. We are afraid that not only are they going to take my buisnesses building but, also my home that was used as collateral for this loan decades ago. Yes, my home is payed off. 

Please Help!
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one Bank ( Wal-Mart Card ) Back in XXXX of This year, I had lost my Wal-Mart card XXXX I called capital one Bank ( Customer service ) and requested for a new card and they said they would mail me one. 

We'll that new card never got to me. So called again second time ( XXXX ) and was told they would mail me another card. We'll again no card. So, I called the third time was connected to the Fraud Department. They wanted proof that it was me that requested the new card. so, I had to send them an email photo of my driver 's license. We'll did and never heard back from them. So, fourth time called again and was told they couldn't send me a card because they haven't received my payment for ( XXXX ) My payments are due the XXXX of every month ( XXXX ) payment was made. 

Now when I called in ( XXXX ) first time and requested a new card. My account ( Web Page ) had the new card number so when I receive the new card I could activate it and use my account functions ( Web page ) Like making a payment etc. I never received it ( XXXX ) Second card sent and my account again got a new card number couldn't activate it because I never received it. Third time was fraud dept never heard from them. Forth, time I went into my account XXXX things caught my eye. First a late payment for ( XX/XX/XXXX ) and second a new card number. 

That's when I called and was told by a customer service supervisor ( XXXX ) that the computer assigned me a new card number and that they could not send me a new card until I make ( XX/XX/XXXX ) Payment. Say What! We'll they waived the late fee but refuse to send me a new card until ( XXXX ) payment is made. 

Capital-one needs to explain to me why I am being treated this way. I have had this Walmart account along time and never missed payments. I refuse to make any payments until I receive a new card. 
Thank you. 

Home Phone Mobil Phone
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. They are furnishing inaccurate information on my credit report 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason. 

I have attached a screenshot of my credit report, highlighted in red is all the information they are furnishing that is inaccurate & unlawful for account # XXXX
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.