davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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. (TN)

The credit bureaus have been sent multiple requests for a proper investigation of this account listing. Each time, the credit bureaus took more than thirty days to complete the investigation... only to continue reporting erroneous information. The last letter was sent XX/XX/2022. A proper investigation has not been conducted due to multiple errors. The opened date is inaccurate, the credit amount is inaccurate, the date last reported is inaccurate, the date of last activity is inaccurate, as well as, the date of last payment. 

Inaccuracy # 1 - " Date Opened '' Inaccuracy # 2 - " High Credit '' Amount Inaccuracy # 3 - " Last Reported '' Inaccuracy # 4 - " Date Last Active '' Inaccuracy # 5 - " Date of Last Payment '' Inaccuracy # 6 - " Two-Year Payment History '' reflected conflicting information. 

Along with the fact that this account has been reporting a charge-off account for many years. Seeking further action is illegal, as XXXX XXXX XXXX has written this debt off. 26 CFR Subsection1.166-3 ( a ) ( 3 ) ( i ) Deemed charge-off. If a significant modification of a debt instrument ( within the meaning of 1.1001-3 ) during a taxable year results in the recognition of gain by a taxpayer under 1.1001-1 ( a ), and if the requirements of paragraph ( a ) ( 3 ) ( ii ) of this section are met, there is a deemed charge-off of the debt during that taxable year in the amount specified in paragraph ( a ) ( 3 ) ( iii ).

( a ) ( 3 ) ( iii ) of this section. The amount of the deemed charge-off, if any, is the amount by which the tax basis of the debt exceeds the greater of the fair market value of the debt or the amount of the debt recorded on the taxpayer 's books and records reduced as appropriate for a specific allowance for loan losses. The amount of the deemed charge-off, however, may not exceed the amount of recognized gain described in paragraph ( a ) ( 3 ) ( i ) of this section. 

In accordance with the Fair Credit Reporting Act, 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 - states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Consumer complaint received 2022-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

XX/XX/2021 I refinanced my new lender sent the pay off check but they weren't sure that it would get to Mr Cooper prior to my loan due date. I made my payment for that month, because I was told I'd get overage paid back to me. I have been struggling with Mr Cooper since that time trying to get my money back. They keep saying their sending the check and it hasn't been sent. I've gotten my tax information, I've gotten my escrow money but not the $ XXXX refund. I was promised it would be sent overnight on XX/XX/XXXX, on XX/XX/XXXX a label was printed on XX/XX/XXXX, still hasn't left the building. This keeps happening. I want the money due me. They've been holding it for months.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I made a settlement agreement with the original creditor. I sent a copy of the agreement and proof the payment to TransUnion to update my credit report. They updated my report initially and then changed it back to show me owing the balance the next day.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

Account was found to have ( XXXX  XXXX ) unauthorized activity by cash app as I filed a complaint and dispute telling cash app this but om being treated as the victim and having a hard time receiving my XXXX from the account that someone removed my email and changed my pin and cash app repeatedly is asking what is the pin it's impossible for me to k.oe it cause I didn't change it I also found a phone number recently syned to my phone and email that I'm not familiar with someone has been hacking my phone apparently.
Consumer complaint received 2019-03-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (NJ)

Every month an ach transfer for {$220.00} is being charged to my checking account by the management company. I want to stop the ach and pay by check. I sent the management company and my bank a letter revoking my authorization for the withdrawal. They both said it had nothing to do with them. Management said they don't request the charge and they no longer accept ach payments. I set up the ach many years ago and feel sure it was with the management company. However, I know that there have been changes. The bank says the payment order is coming over the web, but that is all they know. My only option was to place a stop payment on the charge. My bank handles a stop payment by withdrawing the {$220.00} from my account one day and returning it the next day. The association is treating this as a bounced check and charging me {$25.00} each month even though they receive my check. To date no one will help me find the source of this payment request. So, I am unable to rectify the situation.
Consumer complaint received 2018-04-24
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. (MO)

There's unverified collection accounts that's reporting on my credit report inwhich neither credit agency physically verified, in accordance to the FCRA, each account should be verified snd send consumer an physical account. However, if this is not provided then the accounts should be removed. I have no knowledge of these collection accounts dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2019-03-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HUNTINGTON NATIONAL BANK, THE (IN)

XX/XX/2018 at XXXX I was contacted by a representative ( don't remember his name ) from Huntington Bank XXXX XXXX ) - I was never informed that the purpose of the call was for debt collecting purposes, nor was I was informed of the call being recorded. So I was a little surprised when he started talking to me about debt and how I wanted to resolve the debt owed.
Consumer complaint received 2019-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX or XX/XX/XXXX I opened the platinum checking account online at Citizens Bank based on the promotional offer that said I would receive {$400.00} when I open a Citizens Bank Platinum Checking account and make a single direct deposit of {$1000.00} or more within 60 days of opening the account. The terms stated I would be paid {$400.00} within 90 days of completing the terms of the offer. 

On XX/XX/XXXX a direct deposit hit my account in the amount of {$1000.00}. To date I have not received the bonus payment in any amount. I am owed {$400.00}. 

On XX/XX/XXXX I called Citizens Bank and spoke to a representative that agreed with me that I have completed the terms of the offer and that should be paid {$400.00}. He indicated to me that he didn't see my account coded with the offer however. I did open the account through the link : https : XXXX however so clearly this is a technical issue on Citizens Bank 's side and not a user error. The representative I spoke with on XX/XX/XXXX said I would receive a call back from him later that day or by Tuesday XX/XX/XXXX at the latest since he was off on Monday. I never received a call on Tuesday so on Wednesday morning I called again and was told that I'll receive a response by Friday morning. I have received my bonus nor any further contact as promised.
Consumer complaint received 2018-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (AP)

XXXX XXXX and Webster bank. Several problems : 1. Requested through another bank to transfer funds out. It's been 20 days and despite several promises, nothing. Very long transaction just to make a transfer. 
2. Even with the long wait to transfer, they were able to send a check for the wrong amount and for benefit of the wrong person but under my account number. The gaining bank called me and was very confused. An hour on the phone corrected it!

3. As a veteran when seeking VA medical care, the bank can't deposit funds employer contributions to my account. That changed on XX/XX/2016, under the Veterans Health Care Choice Improvement act. Did XXXX XXXX change their continued policy of not depositing those funds? Nope. 

This bank is the worst financial institution I have dealt with. Very poor and customer service is non-existent even after making several calls to the bank with their promises to fix!
Consumer complaint received 2021-11-24
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: EQUIFAX, INC. (NC)

Equifax continues to incorrectly report a closed installment loan account originally with XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX XXXX '' ) with a payment status of " Not More Than XXXX Payments Past Due. '' The loan was sold or transferred to another institution and its payment status is now " current. '' Simply put, a closed loan account can not be " Not More Than XXXX Payments Past Due. '' I am fairly certain that this CLOSED XXXX XXXX XXXX account is being reported as " delinquent '' on my Equifax credit report and significantly impacting my credit score in highly negative fashion. I understand that Equifax is reporting the XXXX XXXX XXXX loan account as " closed '' or " sold or transferred, '' but this should remove the CURRENT PAYMENT STATUS of " 60 days late, '' as it is FACTUALLY INCORRECT.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (MI)

On XX/XX/2023 i received a Cashapp card in the mail. I immediately attempted contact with the Company, on XXXX as well as calling. I was told via XXXX to download the app, which i will not. I didnt not request this card.
Consumer complaint received 2020-11-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CARD Corporation (PA)

Today I have contact y'all to get this free waved or credit back to my account, and they told me they couldn't because I agree to fees in the agreement, but I had money into my account XX/XX/2020 Monthly Maintenance Fee A fee charged by CARD.com On card ending in XXXX - {$9.00}, and I want credit or the fee waived off from my account for {$9.00} or {$8.00}.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In early XX/XX/2019 I noticed multiple accounts and inquiries that were not created or authenticated by me.I am a victim of identity theft and would like these times removed immediately.
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (AL)

I received 2 OD fees on my Regions checking account on XX/XX/XXXX without my account going into an overdrawn status. I called customer service and they were only willing to refund one fee in the amount of {$36.00}. 

I have received several fees in the past that I didnt agree with on this account, but Regions were not willing to resolve. I am wanting a fee audit conducted on all of the fees assessed to this account from 2007 to present. 

Regions website will not allow me to go back to 2007 to provide all of the fees assessed to the account, and I am asking that the bank goes back in their system to view these fees.
Consumer complaint received 2018-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XX/XX/XXXX I was charged an amount of {$880.00} by XXXX XXXX XXXX ( merchant ), a whopping {$700.00} more than what I should have paid for the service. I contacted the merchant ( XXXX XXXX XXXX - a subsidiary of XXXX XXXX ) on XX/XX/XXXX, trying to resolve this issue and was met with hostile customer service practice. No refund was issued. The merchant simply sent me the same receipt that I am in dispute with. The merchant has recorded record of my call with them on XX/XX/XXXX, and know that I have no control of the vehicle since XX/XX/XXXX. 

I also immediately filed a dispute with Bank of America for the same amount of {$700.00}. On XX/XX/XXXX, I received a letter denying my claim citing merchant has proof of receipt. I called to Bank of America on XX/XX/XXXX expressing that I disagreed with the result, asking the bank institution to at least try to hold this fund while my complaint is being filed with the Attorney General 's office in Washington DC. In this case, the bank did not do enough to stand by its customer 's side to fight with amount that was wrongfully charged. By the tone of the service representative of the Claim Department, it sounded like something that they would not spend an effort to fight for, asking me to send proof of receipt, when my dispute was with the receipt that I have received from the merchant.
Consumer complaint received 2022-07-21
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX Account Number : XXXX Has Violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number : XXXX Has Violated my rights In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account Number : XXXX has violated my rights In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX Account Number : 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 an account without my written instructions
Consumer complaint received 2019-03-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

My home was damaged in a storm on XX/XX/XXXX. I could not live in it. Insurance did not pay until XX/XX/XXXX. I hired a contractor but he did not do a good job so he was fired before completion leaving almost {$15000.00} on the insurance payout. I asked mortgage company to send check to another contractor. They sent it in the name of the first contractor. During that time it went into foreclosure so I couldnt get the insurance. It sold on XX/XX/XXXX. When it sold I owed XXXX but it sold for XXXX. For some reason it was reduced after foreclosure and was told I owed XXXX and it sold for XXXX. I wouldnt sign the hold harmless because of the insurance. In XXXX it was transferred to RUSHMORE LOAN MANAGEMENT and they started trying to collect from me. I called and asked about the collection explained the foreclosure and asked about the insurance funds which were being held in restricted escrow. For two months no one could explain. Then I was told I would not get it it would be sent back to the insurance company. I received another request that I pay and called again. This time I was told I owed nothing and but they were putting a claim against the insurance funds and would not give me any information such as how much or why.
Consumer complaint received 2018-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Answered XXXX online ad for concert tickets. 

Transferred money through BofA using XXXX XXXX. 

It was a scam and the person never delivered the service. 

I wanted a refund from XXXX, BofA said " no ''.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

Yes I am currently back in the state of California after being in a different state for years. I have been unemployed for several years since 2007 I believe. I feel that the possibility of Identity theft and also hacking of my personal accounts has been present in my life and I have had enough of the feeling of being violated and I can not take it. I am currently starting to endure XXXX and XXXX health issues due to the stress of this nonsense and can not tolerate it. I thought I'd advise you of the possible discrimination occuring due to unreasonable, possible personal victimized opinion deriving from possible affairs from a relationship that I was currently dealing with in my life. If you could please take care of this for me or look into advising the different sources I would appreciate it. I do not know how to properly speak or notify via telephone communications cause I am too upset about the issue that's been affecting my life. If this could be taken into effect I would appreciate it alot. That way I could please move on and forward in life and not drown myself in such a ugly atmosphere of nonsense. Thank you
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (TX)

I monitor my close closey everyday. Ive set up alerts on my account to notify me each time a transaction has been posted, debited, withdrawn & or credited my account. I submitted a claim for unauthorized charges on my account & called my bank to cancel the card. As of XX/XX/2018 they have charged me NSF in the amount of {$110.00} incorrectly. I called to file a complaint the representative could not explain if the transactions were accurate in which they were not. twice they have also returned checks when I had over 4K in my checking account. This is theft & needs to be investigated. The integrity of this bank is questionable as well. When I call after authenticating myself they still ask me for my full social security number, my driver license number, & DOB, & the security code on the back of my debit card. I do not trust this process & make me afraid I will become a victim of ID THEFT
Consumer complaint received 2018-12-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (MD)

I sent NCB management a validation letter on XX/XX/XXXX. I asked them to stop communication with me for 30 days. They agreed and sent me a letter telling me they would stop. They lied and started getting in touch with me XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have been using different Maryland numbers starting with ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX a least 5 times a day on those days. I have caller ID. They are located in PA and using MD numbers. I sent them a validation letter after I received a phone call from them but no letter about the debt, and they said they did and I asked for a receipt of delivery and they haven't given me one yet. I have receipt of delivery for the validation letter.
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Tried to make a payment on the website, but it was refused, saying it wasn't enough. My card has been charged off since then. My payment tripled. I had autopay. My card has also been stolen, so I do not know the credit card number
Consumer complaint received 2018-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

On XX/XX/2018 I went to deposit cash into an atm that is located on XXXX XXXX in XXXX, PA. It was inside the lobby. The machine kept saying it could not accept the cash, and kept spitting it out. I have had multiple problems with PNC 's atms!! And this one in particular was even replaced, and the still have the same issues!!!!!!! I did not try a 3rd time because in the past the atm ate my debit card, and it was a MAJOR HASSEL TO GET IT BACK!! I called thier customer service, and they supposedly reported the issue and he refused to send me an EMAIL CONFIRMATION OF OUR TALK, AND HIS PROMOSE TO REPORT THE INCIDENT. That was very unprofessional also! So I literally have no proof that he even noted my account of the incident. However, this time I was smart, and took a photo of the atm, when it said it can not process the cash deposit. 
Now my account has 4 overdraft fees!! I want those reversed NOW.