davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
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. (IA)

On XX/XX/2021 I reviewed my TransUnion credit report and noticed that TransUnion was not only not enforcing statutes under the FCRA but were a accomplice to the infringement of my federally protected rights. I sent a notarized affidavit with exhibits and they are in possession of that affidavit and have not notified me that an investigation is in progress.
Consumer complaint received 2021-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (KY)

This Company is in violation of multiple FDCPA laws. I have notified this company more than 45 days ago with a validation of debt letter. I sent a cease and desist letter to this company. I demand that this company cease all forms of communication with me through any and all mediums.
Consumer complaint received 2021-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have disputed inaccurate information on my credit report with XXXX, TransUnion, and XXXX  and they have failed to comply with FCRA guidelines!
Consumer complaint received 2019-02-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (NV)

XXXX XXXX with Atlantic Recovery Solutions calling from XXXX trying to collect a debt from a Mastercard unbeknownst to me. 2 years ago all of my information was apprehended and used to try and file taxes in my name, to make matters worse my phone number has been tied to 3 online breaches in the same year. Since then these calls have become more rampant and I am trying to dispute errors on my credit reports. He has now resorted to calling my husband which is definitely not okay. The second number I listed is the number he called and left a message at today. I would like this to stop.
Consumer complaint received 2017-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (DC)

PNC Bank enrolls members using checks in a service that automatically reorders checks once a certain amount of checks from the previous order are used.
I received my last batch of checks at my then current address. In XX/XX/XXXX, I moved to a new address. I subsequently updated my address with PNC. I inquired at the time and was informed that the change of address would apply to all products across the account and there would be no need to make any further changes or updates to my information.
In XX/XX/XXXX, I wrote the last check from the previous batch. I stopped into the local branch to inquire about re-orders and was told that a re-order had been placed on XX/XX/XXXX. On XX/XX/XXXX, with no checks arriving, I checked the website, which said no reorder was pending.
I then contacted PNC 's customer service, who informed me that no reorder was pending, because checks had been re-ordered inXX/XX/XXXX. Those checks, I was informed, had gone to the previous address, despite changing the address on the account over a year prior. I was told that a letter ( not certified mail ) had been sent to my current address confirming the order. I did not receive a letter. I was also told that it is the bank 's practice not to update the address on check reorders except specifically in reply to that letter.
PNC did not track or confirm receipt of the checks issued inXX/XX/XXXX. There are now 100 checks in my name, with my account numbers, that are completely unaccounted for. PNC has informed me that they can not permanently cancel or void these checks. They can only place a stop payment order on those check numbers for 6 months and that order must then be manually renewed. This, obviously, presents a massive and ongoing security risk to the account. PNC was not able to offer any other solutions.
PNC 's practice of retaining addresses they know to be outdated for check orders is troubling, as is the failure to provide any sort of verifiable confirmation of reorders or verification that checks mailed are received. Even more troubling is PNC 's inability to mitigate their own negligence with regard to checks that remain active and unaccounted for.
Consumer complaint received 2019-02-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (GA)

I have an account with SUNTRUST mortgage since 2005. I have never been late on the payment because my payments are automatically withdrawn from my account. For the past XXXX months i have been charge late fees due to errors in the SUNTRUST mortgage department. I am being told that payment are put in some sort of account because Suntrust reports they did not know where to apply the funds. Their response is very questionable since the draft payment have the mortgage account on it. I have called and have the error corrected in the past. but the problem continue to happen. I am in the last phase of paying off my home and based on evidence based actions from the bank and on my experience, the Bank is making errors so that it will not happen. I am not sure what other options I have since I am soon to be in my XXXX 's and not sure if i will qualify for another mortgage. I am very concern I maybe the subject of elderly discrimination with this bank. Please review my complain and advise what are my options. Also after speaking to the Bank representative, they want access to my account. I am very concern and will not permit the Bank access to my account because of the potential of Banking errors.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (AZ)

I have not been able to view any of my transactions since XXXX. Now I can not even view monthly statements. I have no way of verifying if the purchases or amounts are accurate when paying my bill. The only method Apple allows for viewing transactions is on an Apple device, but none of my devices will show my transactions. I have several open cases with Apple to try to get this fixed, but they have not fixed it in almost 4 months and have become unresponsive when I call about the case numbers. I should not be expected to pay a statement I can not view or for transactions I can not verify. Apple needs to fix this problem ASAP.
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE (AP)

On XXXX XX/XX/2022 I submitted a transfer for {$50.00} to the XXXX XXXX a message from Western Union that it would Take about 2 hours to respond I never heard anything back from Western Union not even 8 hours later. So I submitted it again same thing in the past I wrote what they call XXXX they never respond requesting to know the exact reasoning was. I never received a response I even Corresponded with customer service the quickly refer me back to the XXXX Team on and on.. 
I even reminded them as a consumer I had the right to know why they stated they didn't have to tell me nothing I have the TEXT ON MY PHONE TO PROVE IT!!!!
Consumer complaint received 2021-07-20
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. (GA)

XXXX XXXX has been reporting late payments since XX/XX/2020. My car was totaled last year in XX/XX/2020 and the insurance company sent XXXX XXXX a check. I was unaware there was a balance due on my loan. Nobody from the company has contacted me nor sent me anything in the mail about the remaining balance. This account is reporting open when this account should be closed or either charge off. It is my right to have an accurate credit file and errors like this are detrimental to my financial well-being.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-20
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. (GA)

Credit acceptance has been reporting late payments since XX/XX/2020. My car was totaled last year in XX/XX/2020 and the insurance company sent Credit Acceptance a check. I was unaware there was a balance due on my loan. Nobody from the company has contacted me nor sent me anything in the mail about the remaining balance. This account is reporting open when this account should be closed or either charge off. It is my right to have an accurate credit file and errors like this are detrimental to my financial well-being.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Effective XX/XX/2021 you will no longer be able to write checks from any Bank of America savings account. How can you not write a free check from your own money as a customer but instead oijoin their On-Line Banking sysytem for a monthly fee of {$25.00}? It appears to be a scam to me to make money off it's customers. It should be investigated.
Consumer complaint received 2024-02-01
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. (IL)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2019-11-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (CA)

I was hospitalized sometime in XX/XX/XXXXI dont know exactly when but I know I had CA state medi-cal insurance. The hospital has to provide that for you if you go into the emergency room by the way by the Obama care act of XX/XX/XXXXbut I already had insurance. I went to a mental hospital and a drug program and I had no contact with my parents and that includes any mail. My mother was throwing it out. I had no knowledge of the account until a year later when I opened up a XXXX XXXX account and saw that This was on it. I was wrongfully billed by XXXX XXXX XXXX and when I called the collections they said it had already been a years time given for me to dispute so there was nothing I could do about it. I was unaware of the account though. I just have been so busy with my life situation and issues I havent found the time to sit down and complain about this. I talked to the collections in XX/XX/XXXXI believe.
Consumer complaint received 2020-10-13
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. (CA)

I spoke with XXXX XXXX supervisor at transunion XX/XX/2020 and elaborated to him that transunion was reporting an inquiry on my credit that I didnt authorize and I needed it removed he went on to tell me how he couldnt help me and told me me that I needed to contact the creditors I told them that I did by mail and phone they told me to contact transunion which I did at this point Im getting the run around and all I want is the inquiries I didnt authorize to be removed
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (FL)

It appears there was an account opened with you, i have been a victim of identity theft and have tried to reconcile this issue with your company more than once, The only outcome i have received from you is that this account was opened by me. This is very unsettling and illegal, please be advised that disregarding this means that you can be subject to a {$5000.00} fine and/ or litigation for not reserving my rights under U.C.C 1-308.4 ( i am reserving my rights under U.C.C 1-308.4 not to be compelled to perform under any contract or commercial agreement that i did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact commercial agreement. I have a right to sue you under the common law for violating my rights under the UCC )
Consumer complaint received 2019-11-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Let me point out the inaccuracies. These dates should be matching and also the payment remarks are not consistent with the reporting bureaus. Please help me out on this. 

XXXX XXXX  Last Verified : XX/XX/2019 -- Last Payment : XX/XX/2019 XX/XX/2019 Last Payment : XX/XX/2019 XX/XX/2019
Consumer complaint received 2023-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AL)

I lived at XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX ( Contract Dates ). 
I actually left on XX/XX/XXXX XXXX XXXX days after ). I had notified the apartment few days prior to my move-out day that I had an emergency that would make me stay a few days after.. 
I cleaned the apartment thoroughly before I left. I took and still retain video record of the apartment just before I left. The room was in sparkling condition - No broken blinds, no scratched walls, and no ripped carpets. See attachment for breakdown of these fees as provided by the debt collection agency. Due to file size concerns, I have attached a compressed copy of the move-out video recording. I would happy to provide the original copy, if requested for evidence. 

Subsequently, the property management company XXXX XXXX XXXX Apartments ) wrongfully used my deposit to renovate ( remodel ) the unit. And further charged me XXXX months rents for leaving the property XXXX days late. This is wrong, unfair, and unjust. 

XXXX XXXX Apartment XXXX XXXX XXXX Company ) is now going through the National Credit Systems , Inc. ( Debt Collector ) to recoup the rest of the frivolous charges from me.
Consumer complaint received 2020-10-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

Hello - I have Auto debit on my honda finance account. There was a problem with some bank transfers in the middle of our shutdown in NY, and I transferred by account to my savings account to auto debit from there. Their website is very wonky, but Ive done it before and had no issues. I did not print out my confirmation because of past experience. 

I then got a late payment call in XXXX ( no email, no letters ) and I was told that payments were not received. I had no idea. The *moment* I got the call I paid off my balance immediately. 

I told this to American Honda finance and they responded with a cold distant form letter. I've had four vehicles with them with NEVER a late payment.
Consumer complaint received 2024-02-01
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. (TX)

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.

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 2018-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A few months ago, around XX/XX/2018, the amount of {$1900.00} was taken from my Bank of America checking account. It was through 2 separate transactions, one of {$400.00} and other of {$1500.00}. Bank of America claims that Im responsible for these transactions since apparently my debit card and pin were used for them. I did not make those transactions, I did not take that money out of the account, I did not use that money!!! I needed that money to pay my bills, which are all set up for autopay so there would be no reason for me withdrawing that money!! I have no history of defaulting payments, nor bankruptcy, nor anything! There are many things that couldve happen in this case, like the people that I used to share the house with back then having access to all of my personal information and belongings. I no longer have contact with them since I moved out of the house when some of my stuff went missing. I was also thinking that maybe the card couldve got cloned, so I canceled it and ordered a new one just in case. I honestly dont know why or how this happened to me, I dont know what else to do to prove that this wasnt me. The bank requires documents proving my innocence, but there is no such thing! How to you prove through documents that you got robbed?? I have no idea! Please help me, thank you
Consumer complaint received 2017-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Collection Services, Inc. (CT)

I have been receiving a bill from XXXX medical center for over a year now for case # XXXX in the amount of {$480.00}, I was covered by XXXX XXXX which is a XXXX program in the state of Connecticut who provides insurance coverage, now I recently received a bill from CBCS collections agency for that amount which I should have not received. I spoke with a gentleman in the billing department at XXXX Hospital and advise him they need to be contact the collections agency and bill Connecticut XXXX.
Consumer complaint received 2021-06-29
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 (NV)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-08-20
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. (PA)

My credit file is a disaster because someone has been misusing my information. The credit bureaus have not not been any help. I need these negative items and inquiries off my credit report so that I can obtain credit for my self.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (UT)

IC Systems accounts : XXXX XXXX XXXX IC systems is reporting a debt on my credit file that I do not owe. I am unaware of any debts that I owe them because I have been working with the hospital. I called the hospital and they assured me they would take the accounts out of collections and transfer it back to the hospital. This debt should have never been sent to collections, it is erroneous and needs to be removed.
Consumer complaint received 2019-05-10
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. (LA)

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 11 of  the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.