davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (WI)

Mortgage was paid off XX/XX/XXXX. XXXX months later, I have not yet received Escrow reimbursement. In phone call XX/XX/XXXX Customer Service informed me they have other clients to service. 

By law, lenders are to issue Escrow reimbursement within three weeks of mortgage payoff. PNC is in violation and should be prosecuted.
Consumer complaint received 2020-03-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (WI)

First, payments were deducted in triple and double amounts. Then, when I canceled auto payments and asked for a payment plan, was denied. 

Cut to two years later ( when they finally decided to get in touch with me ) I '' m all of a sudden being told that I can get on a payment plan - which I replied to - never got a response. Then I was told my debt was sold, and now I'm being threatened with wage garnishment.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX  is reporting two credit cards to my Equifax credit report that are incorrect. Specifically, it is reporting a card that was never received ; in which they have full knowledge of nonreceipt ; to the Equifax credit bureau with a 45 %, and 95 % utilization that is tearing down my scores. Card ending in XXXX, or XXXX-never received by me; reported never received. A new card was issued by the XXXX XXXX  ending in XXXX in place of XXXX XXXX. XXXX XXXX  has failed to report card ending in XXXX with a XXXX balance to Equifax credit bureau. XXXX XXXX  updated card ending in XXXX with a balance and 95 % utilization knowing that the card was switched ; by them to a XXXX ending in XXXX. XXXX XXXX  has purposely failed to report the correct card ending in XXXX to Equifax. 


In short, XXXX XXXX  is purposely reporting old, outdated, and incorrect credit card information to Equifax credit Bureau. Currently, I have one credit card-XXXX from XXXX XXXXending in XXXX with a XXXX balance. Please have them update it immediately. 

Moreover, when I first applied for the XXXX credit card, I was told after 1 year I would receive my {$300.00} security deposit back. I have not received such back, despite paying my balance up in full. In fact, I was told that I would not be receiving it. This is fraudulent misrepresentation. I want this to be resolved asap. I want XXXX XXXX to update Equifax, and return to me my security deposit as initially promised.
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

The State of Michigan Unemployment System glitched and put my unemployment benefits on a Bank of America debit card in XX/XX/2021. 
I never received the Bank of America debit card. I have been calling Bank of America, Govenor of Michigan XXXX XXXX XXXX office, and the State of Michigan Unemployment Insurance Agency for almost two months and Bank of America still refuses to release the card with my benefits. 
Because of this I had an overdrawn checking account and am at risk to be homeless in Michigan- where it's cold and we have snow. 
It's going on two months and over 30 phone calls. I do not believe it should be this difficult to get a card from a program The State of Michigan and Bank of America created. There is no communication between the two agencies and that is a problem they should address, especially given we have been dealing with the Covid impact for a year already. It shouldn't still be this hard to get cooperation from taxpayer funded programs.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (NC)

All of a sudden, this month, I was charged a {$3.00} paper statement fee on my savings account. I have never had paper savings account statements mailed to me and never requested them. Truist apparently combined my checking and savings statement into one statement ( without notifying me of their intention to do so and without my consent to do so ) and is now assessing my savings account with a {$3.00} monthly fee to receive this statement. Although I do receive a monthly checking account statement in the mail, I have never been charged for that. And I certainly want that to conrtinue. 

Doesn't the federal E-Sign Act prohibit financial institutions from charging for paper statements when the consumer does not consent to electronic statements? Doesn't the financial institution have to provide paper statements, at no cost, although they may offer a discount to those who want to receive electronic statements? And how is this fair to someone who may not have access to the equipment needed to access and download statements online? Why should they have to pay more for something for which they may have no other way of accessing? 

This is completely unfair for them to charge this fee.
Consumer complaint received 2022-03-22
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. (FL)

XXXX XXXX has not sent requested information from multiple demands. 
1 ) Copy of signed consent to furnish my public information to any person/company/CRA etc 2 ) copy of the signed contract of the alleged debt These demands have been ignored on several letters received to them. Currently letter was received XXXX XXXX ( usps tracking # XXXX ). This request is to be completed within 30 days. I do not agree to any more time being used for investigation
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  of 2021 I was in XXXX XXXX. Through heavy enticement after I had a good bit to drink ( unwinding, having fun ), I went to a presentation with the organization. The breach of contract include : not sharing the contract via email the same day as promised ( as it would have had the phone number to cancel services in the required time ) the second one was that they engaged me in the contract after I had been XXXX. ( I rarely XXXX but I was enjoying my trip ). As of today, I still haven't received any contract. They keep sending me messages about accruing fees. When I did call a number that I found online within 2 days of being at their location, the number seemed to be a dummy number. I sat for hours on hold for multiple days and no one answered. I got a good number from my bank once they sent a transaction through. Even once I obtained that number from my bank, I still had to be given a few other numbers to be able to speak to people to get my request heard. That was within 7 days or so from being at their location. I called them, they were rude, abusive, negative, dismissive, blamed everything on me and never took accountability for their malfeasance. They quickly put this account on my credit bureau and refused to budge or to do the right thing. They defrauded me by not supplying clear and accurate information within the time that was allowed to cancel. They never supplied a contract. I researched online and there are hundreds of people who have complaints against this entity. In submitting multiple disputes with the credit companies like transunion, they just take the word of the company and I am no one in this transaction. It is evident by my credit report that I make excellent financial decisions and they refuse to look at the facts. Companies like thi\s railroad decent people daily. When I was on the phone with a female at Transunion within the past 30 minutes, she fought me tooth and nail as if she was working for XXXX. I asked to speak with the next level of support and she hung up on me. Please help. Question : Is there an inappropriate relationship between Transunion and XXXX? Please help me to remove this spam from any and all public and private reports. I also reached out to other entities in XXXX XXXX that said they could not do anything.
Consumer complaint received 2023-12-29
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. (CA)

Requested opt out... 
XX/XX/2023 Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear XXXX XXXX XXXX I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ).

As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations.

Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter.. 
In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer. 
Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request. 
Yours sincerely,
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (FL)

In accordance with FCRA, Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states I have a right to privacy.

604A Section 2 states consumer reporting agency can not furnish an account with out my written instruction. Under 15USC 1666B a creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (ME)

Yesterday I opened up my Robin Hood account and everything was fine. Then early in the day I noticed that my stocks were selling on their own. I try to login and then found that I was logged out. I tried the password recovery and never received the recovery link, which makes me assume that whoever hacked my account changed the associated email. Apparently they have opened up a robinnhood debit card in my name and have siphoned off {$5000.00} already. There is a {$5000.00} limit on the card so they will take the remaining {$5000.00} today probably. I have tried to call Robin Hood, they have no customer service number and have not responded to any emails. The debit card is drawn off XXXX XXXX and they have not done anything and refuse to. I have called XXXX and they say they cant do anything either. So Im really confused as to why three different companies cant do anything to shut down a fragile and debit card when all three of these companies are linked to the debit card. Absolutely atrocious that Robin Hood can allow fraudulent people to open debit cards under my name and then siphon funds from my account and not allow me to contact them. Please help. To be honest, I really think that this is an inside job with robinnhood since Ive had multiple problems with them and just recently threaten to sue them. Then this happens?? They had just exclusive access to my Robin Hood, seems really fishy to me
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A 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 accounts without my written instructions.

15 U.S.C 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 Delete this/these accounts unless you want to be held accountable for {$1000.00} per account
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just of couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$55.00} XXXX  XXXX {$1900.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$88.00} XXXX XXXX XXXX {$650.00} XXXX  XXXX XXXX  XXXX {$450.00} XXXX/XXXX  XXXX {$870.00} XXXX XXXXXXXX   XXXX {$1000.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX {$820.00}
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX and list of Inquiries. 


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 XXXX  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 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

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 the FEDERAL TRADE COMMISSION 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 that is being posted to my report.

Here is 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 Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$890.00} XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

So starting XX/XX/2020 I sent out letters to the bureaus stating that I believe that some of the information on my credit report was fraudulent and didn't appear to be correct. Waited 30 days no response so I sent it out again, XX/XX/2020 Still to this day I have yet to receive and mail regarding my investigation. XX/XX/2020 I sent a letter just asking them to investigate the negative accounts and didn't get anything. 
To this day I have yet to receive anything from the bureaus in regards to any of the mail that I've sent out.
Consumer complaint received 2021-03-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (TX)

I was laid off during XX/XX/XXXX and during the COVID-19 outbreak I fell behind payments and XXXX  which is XXXX charged off my secured credit card without giving me a chance or assisting me without any payment plan. 

One I began working on a contract, I contacted the debt collector hired by XXXX XXXX Radius Global ) on XX/XX/XXXX and setup a bi-weekly payment plan of $ XXXXPayments started on XX/XX/XXXX and bi-weekly payments continued until XX/XX/XXXX. 

On XX/XX/XXXX, I called Radius Global who was the debt collector for XXXX and ask for an settlement, they agreed on $ XXXXand I aid with my debit card which immediately was withdrawn from my account. 

Radius Global explained within 48 hours of the payment that they would notify XXXX of the payment that the account was settled. I then disputed my account with XXXX  and uploaded the settlement letter and the payments. On XX/XX/XXXX XXXX updated my XXXX  account stating that I the balance is now {$1500.00} and no payments were made on my account. 

XXXX is falsely reporting to the credit bureaus instead of reporting the account was settled and most of all that bi-weekly payments were being made on the account.
Consumer complaint received 2020-03-12
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: Experian Information Solutions Inc. (AR)

I was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I notice unknown, suspicious accounts. Please remove these accounts that do that belong to me from my report. There has been a identity theft. 

XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX   XXXX {$930.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX  XXXX {$1400.00}
Consumer complaint received 2020-03-12
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. (AR)

I was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I notice unknown, suspicious accounts. Please remove these accounts that do that belong to me from my report. There has been a identity theft. 

XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXXXXXX   XXXX {$930.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1400.00}
Consumer complaint received 2024-02-24
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: Experian Information Solutions Inc. (RI)

XXXX is been reporting an inquiry by Miscellaneous and public record XXXX XXXX on XXXX. I have c no business with this company neither authorized them to run my credit.
Consumer complaint received 2023-01-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC (AL)

I received a XXXX XXXX XX/XX/2018 at XXXX XXXX XXXX XXXX XXXX in XXXX Ohio. I was admitted XX/XX/2018 and discharged XX/XX/2018. I never left the hospital and all of my care was received inpatient. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX visited me at bedside as required, he was the attending physician that day. As a XXXX patient, I was covered by both XXXX XXXX XXXX and private insurance. He submitted a bill & was paid as follows : XXXX XXXX Billed to Insurance {$9300.00} Insurance Covered- {$8800.00} Remaining Responsibility {$450.00} Coinsurance {$450.00} XXXX XXXX XXXX Billed to Insurance {$450.00} Insurance Covered {$0.00} Remaining Responsibility {$450.00} Not Covered {$450.00} The {$450.00} was not paid by XXXX XXXX because his office submitted it as an outpatient visit and my insurance company rejected it because I was inpatient and it was part of the my care billed above. 

Despite numerous calls, letters, conference calls, etc between me, the doctor 's office and the insurance company, his office refused to correct the billing code which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX ( CPT ) so my insurance would not pay the bill. They also state this is an attempt at " balance billing '' which is not permitted. 

The result was that the bill was then sent to me, I again tried to explain the problem with the coding to no avail. The debt was sold to a collection agency where it still is today. 

I do not owe this debt. This is a medical debt and should be removed from my credit report.