davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (IN)

Trying to invest in my future through different apps ... ( XXXX, XXXX for example ). PNC says no! For months I was connected through the XXXX  app and randomly PNC blocked it from INVESTING IN MY FUTURE! Recently downloaded the XXXX app ... no change. Thanks for keeping me safe from anyone or anything trying to fraudulently gain access to my account, but I really dont want to have to justify all my decisions each and every time I link my account. Please work to build some type of account linking protocols so I can avoid this. Thanks! P.S. Ill be leaving soon ( marriage reasons, but have enjoyed being a PNC Bank customer ). Thanks
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following inquiries are fraudulent and im demanding that they be removed. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX XXXXXXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX XXXX ( XXXX ) 11 ) XXXX XXXXXXXX ( XXXX ) 12 ) XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX )
Consumer complaint received 2020-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have a loan with BANK OF AMERICA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BANK OF AMERICA with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part. I was never days late.
Consumer complaint received 2024-01-09
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. (SC)

XX/XX/2024 Per the FCRA as a federally protected consumer I am now opting out of of any and all authorization I the consumer may have given written and unwritten, verbal and nonverbal per 15 usc 16802. It is illegal to report transaction history and per 16 cfr 433.2 and 16 cfr 433.3 states that you are not exempt from claims.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Since XXXX I have submitted disputes via mail with a notarized letter verifying my identity with bank statements, pictures of my identification etc.. I get the same results every month that they can not verify my identity which is causing my to personally suffer with my family to get. They refuse to investigate my disputes which now I am considering pursuing legal actions.
Consumer complaint received 2020-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (OH)

I am a DISCOVER credit card holder. The card was used in some vendor 's site for autocharge. We suspected the Credit Card # was compromised and wanted a new card number so that autocharge feature be stopped and we could have a new fresh start. DISCOVER people stopped the old card and issued a new card. However they are continuing with the charges based on the older stopped card. They expect us to call the individual vendors and stop the usage. I think is is an unethical and unacceptable practice.
Consumer complaint received 2020-06-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (ME)

I used Xoom service on XX/XX/2020, to send {$1600.00} to the XXXX. The Xoom immediately deducted the money from my bank account and I received an email receipt confirming the payment. My Xoom account is showing that the payment is complete and given the transaction number XXXX. The Xoom hasnt deposited the money into the recipients bank account as of XX/XX/2020. 

The Xoom did promise on their website during the transaction that they will be depositing the money to the recipients bank account in less than 2 hours and there is no notice of delay mentioned anywhere on the website. It is apparent that the Xoom is  misleading the customers with their express promises which I relied on. 

The Xooms customer service via phone call has been disabled and the customer can only reach out to Xoom via their customer support form on their website and via XXXX. Since XX/XX/XXXX, I have written numerous emails ( more than 25 ) to Xoom regarding my transaction which also includes sending emails to their CEOs and on their social media messages box. As of now, the Xoom has not assigned any representative to this case and no investigation has been conducted as per my knowledge. A week ago two Xoom representatives ( reference # XXXX and XXXX ) contacted me via phone after numerous requests, and I provided them all the proof ( recipients bank statements and details ) to investigate the transaction. I also requested them to refund my money if they can not deliver it to the intended recipient in two days, NOTHING has happened yet. They both ask me to wait for 24 hours so that they can trace the money ; it has been over 17 days now, and I still did not hear back from them. 

The Xoom is neither depositing the money to the recipients account nor refunding it to me, let alone contacting me with an update or details regarding the transaction that they deducted from my bank account without providing the service. 

An hour ago, I did a test via Xoom. I sent a {$65.00} from Xoom to  the same recipient to check if there is an issue from the recipients end. To my surprise, the money was deposited to the recipients bank account in a few minutes. Therefore, it almost confirms my suspicion that there is some foul play at Xooms end. 

I am beyond frustrated with Xoom services as the recipient is facing severe financial hardship during Covid-19 after losing her job and mounting loan penalties. I cooperated with Xoom representatives and waited patiently for weeks, however, I cant just sit here without knowing what Xoom has done to my money. 

I request your kind and urgent attention to the matter and help me find a resolution. 

Thank you so much.
Consumer complaint received 2020-08-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I mailed a CRRR # XXXX to XXXX XXXX to the address listed on recorded on Experian and XXXX  for a verification of dept for two medical collections from XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX {$1200.00} and # XXXX {$1300.00} that have been placed on my credit reports. 

On XX/XX/XXXX. 2020 USPS noted " MOVED LEFT NO ADDRESS '' and return the item. I followed up letter that was mailed on XX/XX/2020. This 2nd notice to a different address listed was delivered and there has been no reply. 

Under the FDCPA a debt collector must provide proof of such debt. XXXX XXXX has committed several violations by failure to reply and verify these debts.
Consumer complaint received 2020-06-17
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. (TN)

Open Date XX/XX/2018 Balace {$290.00} XXXX XXXX Let a person open a account in my name and XXXX XXXX  sent the credit card to a XXXX XXXX this account is not my account at all, I did not no this company had existed, Sending a card to a XXXX XXXX is a red flag but no this company sent the card anyway to a XXXX XXXX that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.
Consumer complaint received 2020-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Open Date XX/XX/2018 Balace {$290.00} XXXX XXXX Let a person open a account in my name and XXXX XXXX  sent the credit card to a XXXX XXXX this account is not my account at all, I did not no this company had existed, Sending a card to a XXXX XXXX is a red flag but no this company sent the card anyway to a XXXX XXXX that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.
Consumer complaint received 2020-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

Home depot offers a new card promotion, " {$25.00} off your purchase of $ XXXX, {$50.00} off your purchase of $ XXXX, or {$100.00} off your purchase of $ XXXX ''. 

This is my 2nd time in 5 years I have attempted to sign up for a Home Depot Card where they have tried to hide, limit, or no support their new card offer. The promo code they give you is only sent by mail and if you shred the accompanying letter there is no recourse for the promotion. Online help directs you to phone support. Phone support directs you in store. 

I just want the promotion I was offered to sign up for a new card. There is no reason why I would have signed up for this card other than the promotion offered and now feel as if Home Depot is bait and switching the offer.
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

I changed my XXXX XXXX XXXX XXXX on XX/XX/2023 to save money as I am a XXXX, XXXX XXXX XXXX on a fixed income. On XX/XX/XXXX I received a refund check from XXXX, my previous insurance company for XXXX. My new policy is an annual premium for XXXX. My insurance provider suggested I contact my Mortgage company, Fifth/Third to see what I had to repay to escrow if anything. Upon contacting Fifth Third mortgage they started making statements I did not agree with. Specifically they said I had to give them the full amount of the XXXX! They put me in contact with an associate in the Escrow Department, XXXX on XX/XX/2023 to explain and continued with the full amount of the check is what they needed and paying them if I could from my resources would be best. At great duress I gave in and paid them from my personal account which left me quite low in my personal checking but I did deposit the refund check. 
The issue is if all I had to do was replace the insurance portion of the Escrow it should have been XXXX for a full year only. Taxes and insurance are collected monthly and should be in the Escrow account! But after review online of my account it appears they took all of the XXXX refund and utilized it my account with NO agreement from me or valid or any explanation that made sense. This is wrong and very shady. I still have no idea what they are doing or why. Again as you know taxes and insurance are paid monthly why would they devour the whole check? Why did they push, hard for the full check? Even the amount of XXXX would seem high to me as they have collected 6 months of insurance premium I should be paying them XXXX for the rest of the year which is crazy as well because again they collect taxes and insurance monthly. 
Per my account as of today XXXX it looks as though they've applied part of the check to an additional monthly payment on XX/XX/2023 I did not agree to. I paid my XX/XX/2023 payment on XX/XX/2023 and they've put the rest in curtailment? Help!! Something is very wrong. The Mortgage Company Fifth Third is giving me health issues my stress level is high they are making my XXXX XXXX shoot to way above normal. 
Also this Company calls, emails in an unreasonable amount before my payment is due monthly to the point of harassment!
Consumer complaint received 2020-06-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (DE)

After being denied a mortgage, I checked my credit report and discovered that Commonwealth Financial Systems inaccurately reported a Medical bill to the credit bureaus. 

Against my wishes my medical provider called for an ambulance to transport me to the hospital XX/XX/XXXX, although I was capable of driving myself, I was unemployed and therefore, unable to afford health insurance, I incurred an ambulance bill in the amount of {$990.00}, which I was not able to pay. 

Commonwealth Financial Systems purchased the debt from XXXX XXXX XXXX and in XX/XX/XXXX reported it to the credit bureaus, using an account was opened date of XX/XX/XXXX, instead of XX/XX/XXXX, to have a greater negative impact to my creditworthiness. After I discovered what was done, I disputed the information as being inaccurate, Commonwealth Financial verified the information to the credit bureaus as being correct. I again disputed the information and XXXX   credit bureau responded two days later that the information provided by Commonwealth was proven to be correct. Commonwealth Financial System continually violates FCRA rules by falsely reporting debt information to the credit bureaus to intentionally cause harm to consumers. On XX/XX/XXXX, I called Commonwealth Financial System, identified myself and asked to speak with a supervisor, I gave her the correct account date and requested that they correct their errors, I was told by the same supervisor that it was legal for them to report the account opened date the way they did, I then asked her to provide me with written details of the account, showing that the was opened XX/XX/XXXX, including, letters of attempts to collect this debt and they refused, she also stated that my only remedy is to pay the full amount due.
Consumer complaint received 2020-08-09
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: General Motors Financial Company, Inc. (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, 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. (TX)

On XX/XX/2020, XX/XX/2020 and XX/XX/2020 inquires were made on my credit by companies that I do not recognize.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

had called to turn my vehicle in XXXX they got it and are still reporting on my credit that my account is open and I've missed every single payment just wrong shoot they already wrong with their misleading advertising and tactics but that's for another day
Consumer complaint received 2018-08-07
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NC)

XX/XX/18 : Loan company created new loan account and sent XXXX dollars of loan that I don't owe. ( I had preexisting loan with that company with balance XXXX dollars ). School or loan collection company did not notify me of sending this loan before hand, I happened to see it when I logged in to check my preexisting loan. Since then, I called collection company, school, and XXXX  ( I was working with the XXXX to pay off my preexisting student loan ) to get to the bottom. School admitted that they sent the loan wrongly to the collection company without realizing that I have been working to pay off my student loan past 2 years with the XXXX  since graduation of school. School said that they will contact the collection company and fix the issue. 
XX/XX/18 collection company negative disbursement the principal XXXX, account still had a balance of XXXX dollars of interest from the principal that I don't even owe. I called the school and collection company XX/XX/18 contacted both collection company and school to resolve issue of remaining interest it should be XXXX. 
XX/XX/18 account now has balance of XXXX dollars, I contacted the school and called the collection company. 
XX/XX/18 I contacted the school and I sent private message on the collections company website asking them to resolve issue. 
XX/XX/18 I contacted the school to ask for updates or if they hear from the company XX/XX/18 I emailed the school XX/XX/18 I emailed the school XX/XX/18 I emailed the school asking for updates. 
XX/XX/18 I sent private message on the collections company website asking them to resolve issue. 
Since mid XX/XX/XXXX I stopped calling the collection company because their call center people refuse to connect me with upper management or account specialists who handle my problem and keep repeating the phrase the issue has been forwarded to account specialists. 
School forwarded the correct documents for the incorrectly sent loan account to be XXXX out. The company needs to update my account, but has not done so for long time Today there is still XXXX dollar of balance left XX/XX/18
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Finance System of Toledo, Inc. (OH)

My son was in a car accident in XXXX the bill was submitted to insurance but a creditor put it on my consumer report and took me to court. I showed in court with the proof of payment and the judge dismissed the case on XX/XX/XXXX. 

I have submitted proof to the credit bureaus and to the collection company who keeps telling me the attorney never updated anything after court and they won't remove this from my consumer reports. 

I have all the court papers plus the paperwork from the XXXX tort unit showing where they paid this claim. It should have never been placed on my consumer reports.
Consumer complaint received 2022-09-16
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. (CA)

I am a victim of an XXXX data breach and my information has been used fraudulently. I have recently reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605B and Title 15 USC 1681 C-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.
Consumer complaint received 2020-08-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (MD)

Freedom Mortgage is my current mortgage company. In XXXX I was contacted by them to lock my in on a lower interest rate with a IRRRL. They wanted to take me from a 3.25 % to a 2.75 %. I agreed, my monthly payment was {$1000.00}, with the new loan and lower interest rate, my new payment was {$1000.00}. I called about this a week out from my close, they told me this was probably going to change when I get my new closing disclosure 3 days before my closes. I never received a new loan disclosure, and was not able to close. I have tried contacting them and no one will get back with me. When I do get in touch with someone, they promise to call back and never do. Now I have no clue what to do. Should I ask a new lender to help me out? Not happy with Freedom Mortgage at all.
Consumer complaint received 2020-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (WI)

Hello, I've been getting harassed by XXXX XXXX for over a year now and didn't answer their calls or blocked them because they're a scam company. Just recently a week ago ( late XXXX ) I receive a voicemail from Receivable Management Services LLC about a debt I owe to XXXX XXXX from XX/XX/2020 but the thing is I never ordered anything this year so I don't believe I need to pay this debt. I would like them to stop harassing me and leave me alone because I didn't do anything wrong. 

The amount I owe is {$260.00} from XX/XX/2020 ( NEVER spoke or ordered anything ). I tried calling but no one answered and their mailbox is full. 

Can you please tell them to stop or help me get this resolved so I can live in peace? 

Thanks.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX is still showing up as an open account for a lease that was closed in XXXX. It was a 39 month lease that began in XX/XX/XXXX, which was subsequently closed in XXXX through an early trade-in to XXXX XXXX XXXX. The balance is paid in full, but it still shows up on my credit report. I need this information corrected before I apply for a mortgage loan.