davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent 3 certified letters to XXXX, XXXX, and transuion regarding the status of my XXXX XXXX XXXX. The account is marked closed when it should be reporting open and the account is reporting delinquent when the company deleted the delinquencies and also credited the account for {$280.00}, the correct amouth that should be reporting is {$510.00} not XXXX. XXXX, XXXX, and transuion is reporting inaccurate information regarding this account. This is a violation of the FCRA law.
Consumer complaint received 2022-05-15
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. (MS)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was issued a California Prepaid Bank of America Debit Card to receive XXXX benefits. In order to transfer the money to my checking account I was required to set up an account on the website, however, the website continually generated an error message. 

Over the course of a week, I spent over 5 hours with customer service trying to resolve the issue. I was asked to clear cookies, try different browsers, different computers, and use alternative URLs. Nothing worked. During this experience, I was placed on lengthy holds multiple times and experience the line going dead. 

It was confirmed to me that the information I was entering was correct and that the error was with their website. Despite this I was continually told to enter the same information, each time locking me out of the website for 24 hours. Bank of America siad they'd call back, but couldn't find a time that worked with my work schedule and the matter is still unresolved.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (CA)

There is an EXTRA {$2500.00} in Discover Card balance that SHOULDN'T be there!!! 
Discover is taking SEVERAL WEEKS to resolve this problem. I am FURIOUS!!!!! 
On XX/XX/XXXX I did a balance transfer ( on-line ) of {$2500.00} to my Discover Card ( from my XXXX XXXX card ). Several days later it still wasn't posted on either card. on XX/XX/XXXX I called XXXX XXXX and Discover to investigate. I learned a single digit was incorrect, so it didn't go through. On XX/XX/XXXX Discover representative " XXXX '' told me the origianl {$2500.00} wouldn't ever go through, so we initiated a NEW balance transfer of {$3000.00}. The very next day I saw in my XXXX XXXX account that the original {$2500.00} was approved! I was shocked. I called Discover ( XX/XX/XXXX ), spoke with " XXXX '' who told me to contact XXXX XXXX and explain the error. I did and they fixed the error on their end immediately! But Discover has still NOT FIXED the error on my Discover balance. {$5500.00} has been transferred from my XXXX XXXX ( XXXX card ) when it should only be {$3000.00}. 
I WANT THIS EXTRA {$2500.00} REMOVED FROM MY DISCOVER BALANCE IMMEDIATELY!!!!!!!!!!!!!! 
I've called multiple times. Been on hold for each time for 40-45 minutes and then on long phone calls with various agents, each 30-45 mins ). My last call was with " XXXX '' in the Disputes dept on XX/XX/XXXX. He reasurred me the issue would be resolved by XX/XX/XXXX. It is XX/XX/XXXX and STILL AN EXTRA {$2500.00} is listed in my DISCOVER balance. I am again ON HOLD with Discover as I write this ( 33 minutes so far, no answer ... ) to once again try and  move this along. DISCOVER IS ACTIVELY REFUSING TO CORRECT THIS ERROR which is costing me an extra {$2500.00} I never spent and DO NOT OWE!!!!!
Consumer complaint received 2020-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I received funds to PayPal account from a family member via credit card. 

PayPal is mandating a " 30 day hold '' on the funds. I contacted PayPal via telephone and asked them to either release the funds into my PayPal account, or release them as a refund to the issuing card, they refused both options and stated there was " nothing they could do '' to release the funds prior to 30 days.
Consumer complaint received 2020-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (AZ)

I went to Western Union in XXXX Arizona to wire my earnest money to a title company to open escrow on a home purchase on XX/XX/2020. Western Union instead sent it via ACH transfer which the title company doesn't accept and the title company XXXX XXXX  account rejected the transaction. I contacted Western Union to cancel the transfer the same day it was initiated since is did not show up in the title company account after XXXX hours. I have contacted Western Union multiple times every day to ask them to refund my money. At first they said it was in the XXXX XXXX account. I called XXXX XXXX and the confirmed they never received the money. After a couple of days of calling Western Union admitted that XXXX XXXX rejected the transaction and to this day I only get excuses about there process preventing me from receiving my money back. It has now been 12 days since Western Union received my money, failed to transfer it and will not return it to me. Now that are claiming that the issue is with their accounting department.
Consumer complaint received 2020-08-10
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 am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX {$220.00} XXXX  XXXX {$21000.00} XXXX   XXXX {$25000.00} DEPTEDXXXX   XXXX {$15000.00} DEPTEDXXXX XXXX {$1100.00} DEPTEDXXXX  XXXX {$5500.00} DEPTEDXXXX XXXX {$250.00} DEPTEDXXXX   XXXX {$3200.00} DEPTEDXXXX XXXXXXXX {$3500.00} DEPTEDXXXX  XXXX {$1000.00} DEPTEDXXXX  XXXX {$3500.00}
Consumer complaint received 2021-05-31
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: EQUIFAX, INC. (NC)

XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit report. US DEPARTMENT OF EDU XXXX Balance : {$6700.00} US DEPARTMENT OF EDU XXXX Balance : {$4200.00}
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX, I opened a Huntington Bank checking account ending in " XXXX ''. As part of the initial funding, a transfer of {$1000.00} was initiated through Huntington ACH from my XXXX XXXX account. A Payment ID/Confirmation of the transaction provided by Huntington is  shown in the attached file. The funds were debited by Huntington from my XXXX account on XX/XX/XXXX. 

On XX/XX/XXXX, my Huntington account was shut down due to some risk factor. Unfortunately, the {$1000.00} hasn't returned to me. 
I have called Huntington Bank on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and was given contradictory information each time, as listed below. 
1 ) We don't know where the {$1000.00} went. 
2 ) The transfer was NOT completed due to the account shut down.

3 ) Refund would take 3-5 days. 
4 ) We already sent back the funds to XXXX. The issue must be on their end. 

The issue is clearly not on the XXXX end. I'd be more than happy to do a 3-way conference call to clear this misconception. 
I'd appreciate someone competent enough at Huntington Bank to look into this issue and provide a quick resolution.
Consumer complaint received 2024-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M. G. Credit, Inc. (GA)

I, XXXX XXXX, contacted M.G. Credit today at XXXXXXXX XXXX and spoke with XXXX XXXX who verified that the acount was paid in full, but stated that I needed to pay an additional {$51.00} for collection fees, which is not true. XXXX XXXX verified that the account was opended in XXXX of XXXX and not not XXXX. It is reported as being opened in XXXX. The account is therefore past 7 years old and I am requesting that it is deleted from my credit report, as it is listed on all three bureaus and I am working on clearing up my credit. I appreciate your assistance in addressing this matter.
Consumer complaint received 2020-08-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc. (CA)

Team, I originally obtained a 4 year lease with GM Financial in XX/XX/XXXX for a XXXX Escalade for payment of approx. {$1600.00} a month. ( This in itself was deemed extortionate and further more I was sold a 3 year maintenance contract which is an additional issue just brought to my attention ). In XXXX I began a search for an alternative vehicle at a more competitive price and eventually found one which i purchased and now meant I would need a lease assumption with GM. I advertised on XXXX and obtained the criteria from GM to move forward in XX/XX/XXXX. I found a qualified buyer in XXXX and followed to procedures during which time GM kept defaulting my account into a past due status which meant i was unable to move forward and I lost the qualified buyer. The same happened in XXXX when i again provided a qualified buyer signed all the paperwork and GM alleged XXXX lost the documents and so therefore the transaction was unable to be completed. Fast forward i am now within the last 12 months of the lease and no longer able to meet the criteria and am stuck with the lease payment through the fault of GM. GM deliberately stalled the process and despite speaking to all 3 departments they continued to give me the run around and also contacted XXXXXXXX to have my advert removed. Its clear GM did not act in an honest and timely manner in addition to at one point harassing me in an attempt to reposes the vehicle despite it being always in state of good payment, in my possession and insured. The Customer Service Department, Lease Assumption Department, Total Loss Department and the Collections Department all have documented detailed call records to support my  conversations but yet they all seemed not to be in contact with one another which to me seems like negligence on GM 's part or a blatant attempt to confuse and deceive me as a customer into remaining stuck with the Lease agreement. I would like this investigated please and for GM to be responsible for taking back the vehicle with no negative report on my credit as it was their errors that led to my lease assumption not going through. I even purchased another identical vehicle and everything was timed perfectly for the transfer until GM caused the process to breakdown and I am now stuck with 2 car payments till XX/XX/XXXX. I constantly had to chase them to try to complete however they are quick to harass me despite asking to be removed from their call lists when i changed payment dates. 
Thanks for your consideration Regards XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-10-29
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. (MI)

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 XXXX XXXX XXXX  # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 seven 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 2020-08-10
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (WV)

In XXXX, I recieved a gift card of {$500.00}, drawn on US Bank, as a first place prize that my daughter won in an art contest. When we decided to use the card, we were told that the card already had two large purchases on it totaling {$440.00}. We had never used the card and it was still in the packaging it came in. When I contacted US Bank, I was told that they would investigte the charges. Ultimately, they could not confirm where or who made the purchases, so they sent us another seperate gift card for the remaining balance of {$56.00} which we used. On XX/XX/XXXX I recieved a letter from US Bank advising me of an " unredeemed gift card '' and if wanted to claim these unredeemed funds, that I needed to respond by XX/XX/XXXX which I did. I still have not recieved the check from US Bank, for have I gotten any further communication from them. When ever I call the bank, there is no one to help and they are not even able to access any information about the card for me, this inspite of the fact that they sent me a letter indicating that I had an un redeemed balance of {$440.00}. The CSR 's at US Bank, ask me what kind of card it is which is VISA and they then proceed to transfer me to them, but they are not able to help either. US Bank has a gift card customer service department, but whenever I'm transferred to it or attempt to call them directly, the call gets dropped. I have been trying to resolve this issue since XXXX, but gave-up on it when I realized that US Bank had no real incentive to help me. However, when I received the letter on XX/XX/XXXX, I thought that perhaps they realized that the card had never been used and still has balance on it. Again, I never used the card and had no idea of how or when the card was used. I would greatly appreciate any assistance that you can provide to me in resolving this matter. Thank you.
Consumer complaint received 2023-06-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to inform you that Bank of America has engaged in retaliation following my filing of complaint XXXX on XX/XX/2023. 

On Saturday XX/XX/2023 we received an Escrow Analysis letter from Bank of America backdated to XX/XX/2023. We had not received such a letter previously. 

This letter falsely alleges that our family paid only {$5400.00} of a XXXX tax bill of {$9700.00}. The letter states that there was an underpayment of {$4300.00}. The letter states that due to this underpayment, our monthly mortgage bill will increase by nearly {$400.00} per month. 

Upon review of our records we show that we actually paid {$9300.00} of the {$9700.00} tax bill through monthly equal escrow payments of approximately {$770.00}. The probable underpayment amount based on this is about {$430.00}. This is nowhere near the underpayment amount of {$4300.00} indicated on the letter we received. Furthermore, the letter includes dollar amounts that Bank of America knows are not part of Escrow ( e.g. Insurance ). 

Bank of America is using the US Mail to send financial debt information to us that it knows to be false for the apparent purpose of defrauding us. 

Because of our recent written complaints against bank of America for what we believe are violations of State and Federal predatory lending Settlement agreements ( this was contained in certified letters sent to Bank of America - dated XX/XX/2023, XX/XX/2023 and XX/XX/2023 ), we are now being targeted and retaliated against by a significant and an unjustified increase to the monthly mortgage payment in order to place an additional hardship on our family. 

In addition, we have attempted to contact the regulatory affairs person identified for the response and resolution to the original complaint ( # XXXX ). We have not received a call back nor have we received any document showing the response submitted to the CFPB from Bank of America. We have not authorized Bank of America to send any communications electronically. We have received nothing in the mail to date. 

I sent certified letters and a fax to Bank of America authorizing my husband to speak and correspond on these matters. 

I am enclosing a copy of the letter ( along with envelop showing postmark date ) we received from Bank of America regarding Escrow and a copy of the most recent letter sent authorizing my husband to speak on my behalf. My husband is authorized to speak regarding this matter as well.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-05-28
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. (FL)

I am interested in processing disputes on my credit report with transunion to delete all of the inaccurate information that is hindering my file. this has been an on going issue that is not correct on all 3 credit file. please review an delete all data that is listed to correct my file with transunion asap.
Consumer complaint received 2020-08-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (MI)

PNC will not allow me to link my bank account to XXXX. 
Its sad, I file with my accountant every year, every dollar I spend through crypto. It is all tracked and easy to link. 
Let us have our cake please. 

Thank you