davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (AR)

On XX/XX/XXXX of every year, the XXXX XXXX Arkansas tax bills are available online to view for the current year taxes that are due every XXXX This information will be important later. On XX/XX/XXXX, Planet Home Lending completed an escrow analysis that listed the property tax as {$2500.00}. I reviewed the XXXX XXXX website and confirmed the actual amount due was just short of {$380.00}. This information was also accessible to Planet Home prior to completing the escrow analysis. I called, they were confused and unaware. They reiterated the amount due was {$2500.00}. I called them out on it, saying they couldn't have actually checked. The lady that day then decided to check, she came back and told me the amount was {$340.00} for what was due. I had to correct her and educate her on the difference between personal property tax and real estate tax. She pulled up the account for my personal property, my vehicles, and not the actual real estate. She finally got the correct information. I spent time calling them back after this to follow up and FINALLY about 3 weeks later they corrected the information but there continued to still be miscommunication and errors on their part. I keep records of everything. My husband and I decided to just cancel/delete our escrow entirely and manage the payment of our own taxes and insurance. Planet Home requested a statement asking for escrow deletion with both my husband and my signature. This document was sent and received by them on XX/XX/year>. A follow up call was made later that week. We were advised the document could not be located. After speaking with several people, they were finally able to 'find it '. Until today, I kept following up with no update. They called my husband twice. Because of his occupation, he was unable to answer. He advised me that they called and I returned the call today, XX/XX/year>. Today, I spoke with a supervisor who told me that the signature on the document sent in and the signature on our closing documents didn't match for my husband. I explained that in closing, you are required to sign A LOT of paper work. I didn't think that it was so far fetched that a person would shorten their signature to save their hand from cramping and to save time. Furthermore, I also shortened my signature on the closing documents. It didn't make sense that his signature wouldn't match, but mine would. I explained this to her and after I was placed on hold while she 'rereviewed " the documents. She came back to tell me that I was correct, the signature does just appear to be shortened. 
This company has been nothing but incompetent from the initial phone call and if it wasn't for my being diligent and attentive, they would be continuing to mismanage our account and take advantage of us. I am filing this complaint in hopes that it will yield a result in making the mortgage company accountable and to stop mismanaging our account.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

on XX/XX/2022 a wire was taken out of my account for XXXX without of my account without any authorization. I went to truist bank where my account is held and they told me it has to go through fraud dept and it could take up to 60 days before anything could happen. I went back 30 days later and inquired. They told me the money went XXXX XXXX XXXX and credit to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXand it was out of there hands and up to chase bank if i got my money back. I went back today XX/XX/XXXX and they said its not there resposibility. I had no authorization for them to do this and they did not even call me to ask about this transaction The bank truist says there is nothing they can do. So i lose my XXXX for no reason of mine. I hope you can help me get my money back
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX I mailed a certified letter to TransUnion disputing several inaccuracies on my credit report and requested an investigation. I requested that they provide proof of verification documents retained in their files up to and including contracts or agreements with my wet signature as granted to me by 15 USC 1681g. I further requested that if they were unable to verify the information that it be promptly deleted as per FCRA 15 USC 1681i and attached a copy of my drivers license and social security card. 

By XX/XX/XXXX, I still had not received an update to the status of my dispute from XXXX, XXXX and subsequently submitted a 2nd dispute letter of my personal information and public record as I had learned I was a party in the XXXX XXXX XXXX. 
On approximately XXXX, XXXX, I received the completed dispute. They failed to provide any proof or documentation of the disputed items and simply attached " consumer disputes '' to the disputed items. 
On XX/XX/XXXX I called and attempted to inquire about the dispute letter dated XXXX, XXXX regarding my personal information and public record and the agent disconnected the call. I tried to start a 3rd dispute into the unverified personal information and public record and the fact that they did not provide me with any proof/documentation of how the disputed accounts were verified or delete the name variations or phone numbers and the account is now locked so I can only dispute in writing. I asked to dispute the public record again with proof they verified with the Indiana Court and not a 3rd party such as XXXX that does not have my authorization or consent to report unverified information they collect from their sources and I received nothing. 
I advised that I was affected by the XXXX data breach and it did not matter at all. After 3 disputes, they continue to report unverified inaccurate information and will not provide me with documentation of their verification method.
Consumer complaint received 2024-04-19
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: AMERICAN EXPRESS COMPANY (SC)

Unfortunately I was the victim of a scammer. I immediately sent documentation of what happened and proof that this fraudulent merchant did not provide the services she still charged me for and dishonestly refused to refund me appropriately. I was so upset this happened to me and felt violated after being taken advantage of and swindled. For unknown reasons American Express decided to agree with the merchant who blatantly lied and offered no proof of her false statement, which obviously contradicted the true facts of the situation that I had already provided. I feel so unsafe now knowing that I have no protection as an American Express customer who pays an annual fee to use this card. What they did to me is completely wrong. I do not deserve this.
Consumer complaint received 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

I've been a loyal customer with citi for over a decade, never had late payments or so, i've earned over XXXX Reward points, and they all of sudden for no valid reason - shut my account and stole the points
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: REGIONS FINANCIAL CORPORATION (GA)

I don't have all the details about the account. The Bank is Regions the account was opened some years back by a female acquaintance at I had at the time I was unaware of the account and filed a police report.
Consumer complaint received 2023-04-14
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. (MD)

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was XXXX balance and I never missed a payment. Please update it immediately. 
XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-02
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. (GA)

My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX, GA XXXX My only employer is XXXX  XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.
Consumer complaint received 2022-10-28
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. (IL)

I Didn't give consent to any organization or financial institution , credit reporting agency to share my information, PURSUANT TO 15 USC 1681 ( A ) ( 4 ) A CONSUMER REPORTING AGENCIES MUST EXERCISE GRAVE RESPONSIBILITIES, IMPARTIALITY AND A RESPECT THE CONSUMER PRIVACY.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$30000.00} ; XXXX  XXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$17000.00} ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$620.00}.
Consumer complaint received 2023-04-14
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. (LA)

I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with TransUnion through arbitration
Consumer complaint received 2023-04-14
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX : {$440.00} XXXX XXXX XXXX XXXX XXXX {$25000.00} Consider this as a follow-up complaint to my previous complaint
Consumer complaint received 2023-02-08
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. (GA)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2016-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Timothy C. Runyan, P.C. (MI)

The attorney Timothy Runyon has garnished my tax return for the last 7 years. The debt was paid and I have proof. When I took him to court to discharge the debt he threatened me outside the courtroom by stating that if I did not give him {$2500.00} in cash that he would start the debt over every single year. How does a debt start over every year. The amount already paid should be deducted from the debt. Since I did not agree to give him the cash that day or within a week he started the debt over from the beginning. I have proof that he has been paid. He even asked me personal questions about my financial situation such as did I own a home because if I did he could roll the debt over to my mortgage. He also asked me why was I trying to get rid of the debt and was I trying to buy a home which I answered none of his questions. He and the judge are friends so the judge never gave me an opportunity to state my case because they are friends.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

MIDLAND CREDIT MANAGEMENT INC. and attorneys et all. fraudulently created a security bond without disclosure or my consent. MIDLAND CREDI MANAGERMENT mailed a document dated XX/XX/XXXX, postmarked XX/XX/XXXX, and was received by me on XX/XX/XXXX requesting response 30 days from the date in the document. Despite only allowing for n official response in 15 days, per the request, an unrebutted response was mailed to MIDLAND CREDIT MANAGEMENT XX/XX/XXXX, and arrives at the po box on XX/XX/XXXX. XXXX XXXX has no wet signature contract with MIDLAND CREDIT MANAGEMENT, therefore, no debt owed. MIDLAND CREDIT MANAGEMENT has violated ( 17 C.F.R. 205, 18 U.S.C. 8, 12 U.S.C. 1955, 12 U.S.C. 1957, 15 U.S.C.77K, 15 U.S.C . 77w, 15 U.S.C 77x, 15 U.S.C. 77y, 15 U.S.C. 77q, 18 U.S.C. Ch 47, 18 U.S.C. 1911, 18 U.S.C. 1953, 18 U.S.C. 1957, 18 U.S.C. 1962, 18 U.S.C. 1963, 18 U.S.C. 2073, RICO Act, FCRA, FOIA, Securities Exchange Act of 1933, Securities Exchange Act of 1934, 15 U.S.C 1631, 15 U.S.C. 1637a ) among others. I will also be contacting the Texas Attorney General, the Securities Exchange Commission, State Bar of Texas as well
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. Please don't ignore my request to correct the following items that were hurting my credit. 
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 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Affirm Holdings, Inc (IL)

On XX/XX/XXXX I chose XXXX items on XXXX to purchase. A small Affirm icon appeared next to one of the items and I opened it see what it was. It was an offer that stated if I paid off the loan within a certain amount of time I would not be charged interest. I decided to apply. In the process there was a place to select how many months in which I would pay it off. I believed I was choosing 6 months without interest because of the offer I had just read. When I checked my account today XX/XX/XXXX I saw that I had immediately been charged interest. I called affirm. The first person I spoke to, XXXX, put me on hold and then hung up on me. The second person listened, gave me a list of some of the reasons I was denied " no interest '' and passed me to a XXXX. That person gave me the same information but could not give me a valid reason for being refused the " no interest ''. My credit score is over 700 and I have an excellent payment history. Other than that Affirm 's representative had no excuse for the deception. 

Affirm was deceptive in it's advertisement, did not state what reasons could negate their offer, and when they gave me the option to select a time limit to pay off the loan, it was not in accordance with the initial offer which I assumed would be XXXX mos no interest, I find this unacceptable and would never Align myself with such a high interest rate.
Consumer complaint received 2023-01-11
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I already have American Express platinum and gold cards before I applied for the American Express green card. The sole purpose I applied for the green card on XXXX was for the XXXX bonus points the company offered at the time. American Express instantly approved my application for the green card on that day without any warning or complications. And I instantly received email confirmation that the green card was being shipped. 

The stipulation to receive the XXXX bonus points was that I must spend {$3000.00} or more within six month, which I complied. I paid the card 's annual fee of {$150.00} and spent more than {$3000.00} by mid XX/XX/2023. And I also paid off the entire balance a few days ago ( current balance XXXX  ). Yesterday, I called and also chatted online with American Express. To my surprise, they stripped off the XXXX points without my knowledge. Had I knew the bonus points were declined, I would have withdrew my green card application and certainly would not have spent {$3000.00} on the card. This looks like a " bait and switch '' practice by the company. 

On American Express website, they have detailed terms for the bonus offer, which I copied here for your reference : " OFFER TERMS You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. '' In my case, the " OFFER TERMS '' was a lie. The company did not notify me in any form or shape regarding my ineligibility for the welcome bonus offer before I completed the card application online.