davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I deposited a check for {$7100.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a local government, yesterday at the Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the teller told me that the entire funds would be available the next day on XX/XX/24. Later, I received an e-mail from the bank stating that since the check looked suspicious and a possibility of being returned, and therefore, they have put a hold on the funds until XX/XX/24. 

The check is a government check and was definitely cleared last night, why would they put a hold on the funds that they have already received. I need the funds now, I have made payments such as utilities and car payment, car insurance, I called them but was told that it would take a week for them to receive the funds. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not even out of state. Please help, I am having financial hardship and need the funds now. 

Thanks XXXX XXXX
Consumer complaint received 2021-12-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Financial Group, Inc. (MD)

This is not done in error and/or third party. I consumer ( XXXX XXXX ) recently review a copy of my credit report and I realize that as a consumer Pinnacle Financial Group is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. This debt is false and misleading which is another violation according to 15 USC 1692e. Another violation is that this company is violating 15 USC 1692f. I have attached my ID to help identify me.
Consumer complaint received 2020-02-27
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. (MO)

I applied for credit card so i can help my mom and I was denied. I checked my credit and its accounts on there I know nothing about. Please remove these from my credit Account with no name account # XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX  XXXX, XXXX, XXXX. Its inquiries as well that I again dont know where they come from 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. I have contacted the FTC and local police department.
Consumer complaint received 2022-02-11
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. (FL)

I have new and updated information concerning TransUnion. TransUnion has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. TransUnion is in violation of my rights as a federally protected consumer.
Consumer complaint received 2022-02-11
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR (TX)

I attempted to pay on the principal of my Reverse Mortgage Loan at XXXX. 
My payments were almost entirely applied to " interest ''. I telephoned them and asked for help. I was told to put " to principal '' on the memo line as well as on the payment form I was using. Payments of {$500.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021. After paying XXXX XXXX ( {$2000.00} ) over a XXXX months period ; I owned more than before making the payments. I had my attorney write to them without success. It does not seem like there is a way to get out of debt, if the payments are offset by interest each time. 

Attachments : Partial Pre-Payments form Annual statement for 2021 Checks written to " principal '' Request for explanation from my attorney
Consumer complaint received 2022-10-02
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy. In 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 2021-12-17
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. (FL)

Experian and XXXX 15 USC 1692 K and 15 USC 1640 Civil liability 15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Delete account from consumer report immediately.
Consumer complaint received 2021-12-17
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: Experian Information Solutions Inc. (MI)

On XX/XX/2021 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (DC)

I recently opened an Apple Card Account issued by Goldman Sachs Bank USA. On XX/XX/20, I disputed a transaction based on the terms of my Cardmember agreement. On XX/XX/20 I was issued a " provisional adjustment '' in the amount of the disputed charge. I was advised that the funds would be reflected in my available balance immediately and on a provisional basis pending the outcome of the investigation. On XX/XX/20, I called Apple Card back to inquire as to the status of the provisional credit as it was not reflected in the available balance, I was told I would need to wait 90 days until the close of the investigation for those funds to be available. 

The terms of the cardmember agreement do not differentiate between what is defined as a " provisional credit '' and a " provisional adjustment '' and/or the availability of such funds. representatives on three occasions advised I would have immediate access to the funds while they investigating my claim. However, upon " review '' each representative later changed their story after determining they were not able to rectify the credit.
Consumer complaint received 2021-12-17
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. (MI)

On XX/XX/2021 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 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 and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-03-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weinberg Mediation Group LLC (CT)

I received a voicemail yesterday from phone number XXXX XXXX, it was a very snotty rude woman saying she needed me to call her back " immediately ''. Yesterday was the first time this number has ever contacted me. Last night the same woman called my XXXX year old dad, and left him a horrible voicemail that I am " avoiding her '' and that this will be sent to their attorney 's. Needless to say it made my dad very upset. The number they leave for a call back is XXXX XXXX. In googling this number people have reported many issues of people harrassing them from this company, and being scammed out of money for debt repayment on debt they don't even owe!
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

10 years ago I had signed up for a protection plan which appears as " XXXX '' on my bill. I was under the impression based on the documentation that Best Buy provided that the protection plan was specifically for THAT purchase, and I come to find out in the course of calling about a random {$35.00} charge on my account ( years later ) that it was for ALL purchases and it's be on-going since 2011. 

I asked if BestBuy is required to re-verify the enrollment in protection plan annually or report the annual total charges for the protection plan, and they said no. I asked can I please have a refund for services I never used? They said no. I did ask for them to refund the most recent charge, which I think they will. But I have no way to know how much they have charged me over 10 years, so here I am. 

I guess this boils down to, I feel like they misrepresented the protection plan. I thought it was for one purchase 10 years ago, and they've been charging me for it for 10 years on any month I carried a balance ( promotional 0 % or not, it didn't matter ). I feel like the most I can get out of this is reporting this practice to the CFPB so that it can be monitored and/or rectified through regulation... or I can inform folks of something they might want to check out on their own accounts, to see if they're being charged for a protection plan they forgot about or thought was specific to ONE purchase ( when it isn't ).
Consumer complaint received 2024-02-22
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. (MN)

I am writing to dispute fraudulent information on my credit report. Upon reviewing my credit report, I discovered several accounts and addresses that do not belong to me. The fraudulent information includes the following : Fraud Names : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX Fraud Addresses : - XXXXXXXX XXXX XXXX  XXXX XXXX, MN XXXX - XXXX XXXX XXXX XXXX XXXX, MN XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Fraud Accounts : XXXX. XXXX XXXX - Account number XXXX XXXX. XXXX XXXX - Account number XXXX XXXX. XXXX XXXX - Account number XXXX XXXX. XXXX XXXX XXXX - Account number XXXX XXXX. XXXX XXXXXXXX XXXX - Account number XXXX Additionally, there is a record of XXXX XXXX bankruptcy discharged with the reference number XXXX. This bankruptcy does not belong to me and is a result of identity theft. 

I request that you investigate these fraudulent items and remove them from my credit report immediately. This information is damaging my credit score and is affecting my ability to obtain credit. 

Please note that the inclusion of this fraudulent information violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I am entitled to a fair and accurate credit report, which includes the removal of fraudulent information. 

I have also filed a report with the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report. I can provide this report to you upon request. 

Please inform me of the actions you will take to resolve this matter. You can reach me at XXXX to discuss this further. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-02-11
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (NY)

i had purchased a money order for the amount of {$590.00} for my monthly rent, after a minth that my landlord indicated that he never recived i have been in process with Western union and had submitted the proper documentations + XXXX extra XXXX dollar moneyorder to have them locate my money order. its been XXXX  month and no response.
Consumer complaint received 2021-12-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC (CT)

Mountain Run Solutions LLC put a derogatory mark on my credit report alleging a {$340.00} debt due to XXXX based on a contract dated XX/XX/XXXX with XXXX XXXX XXXX XXXXXXXX XXXX XXXX For the purposes of negotiation and compromise, on behalf of XXXX XXXX and myself, I have requested that Mountain Run Solutions provide the following documentation so that we can settle this dispute, which they have refused to provide : 1. A copy of the assignment of the XXXX contract from the Alarm Monitoring Agreement with XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX from XXXX to Mountain Run Solutions LLC. 
2. a written release of all liabilities arising from the Alarm Monitoring Agreement with XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, signed by an authorized representative of Mountain Run Solutions , LLC releasing XXXX XXXX and XXXX XXXX XXXX formerly known as XXXX XXXX ; 3. a copy of a written submission removing any derogatory comment from both XXXX and XXXX credit reports with all three credit agencies, XXXX, XXXX, and XXXX. 
Documents provided on XX/XX/XXXX by Mountain Run Solutions are not signed by an authorized representative contact person to be validated, do not show the details of {$340.00} calculation which conflicts with the billing history document as well as the terms of the XXXX Alarm monitoring agreement.
Consumer complaint received 2021-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (GA)

I called in to One Main on XX/XX/15 to make a payment. I was not informed that a payment was being withdrawn at that moment. This resulted in a double payment, which is NOT something that I wanted. Only one payment should have been withdrawn which was XXXX. Both payments have posted. The company states that they have a process that takes time for me to be refunded. I sent over the XXXX Statement and real time transaction history over 3 times to One Mains XXXX, GA branch and the executive office. They are asking for XXXX 's statement, but they know that it hasn't printed off yet. The transaction history should suffice in addition to XXXX 's statement. One hand doesn't know what the other hand is doing and I am tired of it. They pulled the money out of my account twice without an issue, therefore I should be refunded asap without an issue. I am not pleased with their response, lack of communication, and their attitude with this situation at all.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY ()

I have been promised that my card points can we used to book the tickets but I am try to book my tickets since last 1 year and I am not able to book any tickets, they are fooling me and I am starting cumulating the point without any use of those points. I have complained to American Express multiple time and I have replied no solution from them but only false promises to resolve the issue.
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

After solving my former problems regarding the accurate monthly payment amount and learning that the monthly payment due was {$960.00} I set up auto pay in XXXX of XXXX and was told that the first deduction will take place on XX/XX/XXXX. I mailed the XXXX payment and I called the bank at the end of XXXX to make sure the autopay was properly set for the amount of {$960.00}. I was told by Autopay customer service that everything was fine and that the amount of {$960.00} will be deducted on XX/XX/XXXX. XXXX. 

When I checked my bank statement on XX/XX/XXXX I realized that instead of the regular monthly payment of {$960.00}, Fifth Third Bank Autopay had bill my account for {$1900.00}. I am enclosing a picture of the screen showing the deduction of {$960.00} for the monthly payment plus {$940.00} labeled " curtailment '' I never agreed to a " curtailment '' payment on top of my monthly payment. This deduction is placing me in as situation XXXX XXXX for the rest of the month. I have been trying to talk to 5/3 bank for the last two hours. The Autopay department never took the call after holding 20 mts, the Dispute department told me they could not do anything about this and referred the call supposedly to the mortgage department. I have been on hold for more than one hour and have not been able to talk to anyone. 

I want the {$940.00} curtailment payment back into my account. If Fifth Third Bank is unable to keep is commitment and promises to bill only for the monthly payment due, I will be forced cancel this feature. 

I am more than fed up with Fifth Third Bank. It seems that every month I have to experience some type of fraudulent behavior or am subjected to some type of XXXX XXXX that always ends up with me losing and they trying to take money that they are not supposed to take. Again, I need the curtailment money they took right now. For XXXX 's sake, it is XXXX and have lots of bills to pay!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (PA)

I received a 2017 XXXX from Discover Bank about an old credit card account I had. Since they cancelled the debt and I have to report it as earned income, the balance on all of my credit reports should be {$0.00}. I have tried disputing the amount with all three bureaus, and they keep saying that the amount has been verified. How can Discover Bank cancel the debt and still say that balance is valid?
Consumer complaint received 2024-02-22
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, MY NAME IS XXXX XXXX XXXX I have made several attempts to try to dispute these items with all XXXX major credit bureaus with no luck of getting them remove off my credit report. 

The following company I requested that all XXXX major credit bureaus removed and deleted are : XXXX XXXX SVCS : MY ISSUES ARE MY NAME, ADDRESS IS WRONG ON THAT ACCOUNT, ON TRANSUNION ACCOUNT REPORTED WITH 72 % OF PAYMENTS MADE FOR THIS ACCOUNT ON TIME. 

ON XXXX THE SAME ACCOUNT REPORTED 92 % OF PAYMENTS MADE FOR THIS ACCOUNT ON TIME. 

ON XXXX THE SAME ACCOUNT REPORTED MISSED PAYMENTS FOR XX/XX/20 WHILE REPORTED THE SAME PAYMENT ON TIME ON XXXX. 


XXXX PATH XXXX XXXX XXXX DRIVERS SCHOO : ACCOUNT NOT MINE USED WRONG NAME AND ADDRESS THAT DOESN'T BELONG TO ME. 

OPPLOANS/FINWISE : NOT MY ACCOUNT, MY NAME AND ADRRESS ARE WRONG AND THEY HAVE XXXX DRIFFERENT ACCOUNTS ON ALL XXXX MAJOR CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT, MY NAME AND ADDRESS ARE WRONG PLEASE PROOF OF MY NAME. 

OPEN XXXX XXXX XXXX : THIS IS NOT MY ACCOUNT, MY NAME AND ADDRESS ARE WRONG.
Consumer complaint received 2024-02-22
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)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!