davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: KEYCORP (NY)

Multiple fraudulent charges were made on my personal Key Bank credit/debit card on XX/XX/2023. After speaking with a fraud XXXX about the charges, all were reversed except a {$500.00} charge from XXXX XXXX XXXX in XXXX North Dakota for a digital gift card. The fraud XXXX authorized a provisional {$500.00} XXXX XXXX XXXX and assured me that the charge would be reversed due to the proximity of the other fraudulent charges. I did not inquire further with XXXX about the charge because the bank employee was confident about the ability to get it reversed. This charge was not reversed and the provisional loan was subtracted from my account, and the dispute was closed due to evidence provided by the vendor stating that I was associated with my personal email which was used to make the purchases. After inquiring to the Key Bank fraud department again they ask for me to provide further evidence about the purchase at what time I provided an email I received from XXXX stating that the gift card was sent to a second email that is not associated with me immediately following the purchase. I did not receive any correspondence other than this regarding a purchase. No invoice or any gift card number. The fraud specialist informed me that the bank had up to XXXX weeks to investigate the dispute once re-opened. After this period I had to call again and complain about not receiving and communication regarding my case. When I again spoke with a fraud XXXX named XXXX from Key Bank he asked me if I knew a person named XXXX XXXX and if I was familiar with XXXX XXXX New York. I told him I was not and he informed me that there was a second individual listed who was located in XXXX XXXX. I asked to speak with XXXX 's supervisor at which time I was transferred to a person named XXXX. She did not want to discuss the information that XXXX brought up. I asked to speak with the case XXXX at which point I was told that those employees do not field inquiries from customers. I was promised a call from a supervisor but have received no call in over a month about this. I have not been refunded the {$500.00} and have only been provided " evidence '' about my own personal email. Nothing about additional evidence. Or the additional individual brought up by XXXX.
Consumer complaint received 2021-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I'm a XXXX Veteran i was contacted by Capital One " XXXX  '' credit card, I was told i was already Pre-approved for a card, I called the numbers on the offer and they said yes after i gave them to the codes on there offer to me. 

I three times was diverted to other numbers, I was told they are backed up so could i just do it online, not to be concerned as it is a Pre-Approved and no further credit checks need to be done as i have a pre-approved card waiting for me. 

I then learned they ran a hard check on my credit bureaus and that as you know causing a reduction each time someone runs your credit. As a XXXX Veteran, elderly, i was lied too, misled, and am being discriminated against. 

After I gave them information they said they needed to send my " New '' Card too they would send me a message, within a few minutes i get a message that they can not now approve my Pre-Approved card??? Fraud
Consumer complaint received 2021-08-07
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC. (MD)

On Saturday, XXXX XXXX I received an email about a debt that I do not owe. XXXX XXXX sent an email with at least 7 emails attached. The email header had the ( {$1100.00} ) amount allegedly owed. The body of the email listed my name and how she has tried to reach me several times about the debt. My privacy rights were violated because the emails she listed were family people who all have the same last name ; I do not know all the people listed. 

Also, the amount that is being asked for is not true. The account was closed on XX/XX/2020 and I received a letter from XXXX XXXX stating the account was closed I would be refunded the balance from the company. However, XXXX XXXX is sending incorrect information that the account is past due and active. 

I also reviewed my credit score and noticed an inquiry on my credit. I did NOT give them permission to pull my credit report. This is also a violation of my rights. 

I sent an email explaining to XXXX that I will have my attorney to contact them and I do not want them to contact me. I also asked her not to send emails to the others listed in the email.
Consumer complaint received 2021-08-07
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. (SC)

This dispute is due to Transunion and other credit bureaus such as XXXX and XXXX using my consumer report unlawfully. Pursuant to 15 usc 1681b ( 2 ) a consumer report is to be in accordance with written instructions of the consumer to whom it relates. I never gave transunion or any other credit bureau for that matter, permission to furnish anything on my consumer report. I, the consumer, in fact never agreed to contract with transunion or any credit bureau. I have never agreed to do business with any credit bureau. Therefore, I am a victim of identity theft being that transunion and other credit bureaus are sharing and reporting my information unlawfully. Also pursuant to 15 usc 1681a ( d ) ( 1 ) a consumer report means any written, oral, or other communication of any information by a consumer reporting agency. Furthermore, according to 15 usc 1681a ( d ) ( 2 ) ( B ) under exclusions from a consumer report, it states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Being that my social security credit card was used in ALL the transactions on my consumer report, I demand that all accounts be excluded from my consumer report IMMEDIATELY.
Consumer complaint received 2021-08-06
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. (OH)

Ive noticed that there is a bankruptcy on my credit file for which I need to dispute. Ive disputed with XXXX and they have removed the Bankruptcy right away as it remained on my credit illegally for years. 

Please see to it that TransUnion and XXXX do the same too. Ive contacted the clerk of courts and they never verified items on credit files so Im baffled as to how a public record such as the BK is on my credit report!! 

I know for certain that the bureaus are in violation of the FCRA, Comprehensive Credit Act of 2020 sec 401 and other laws. At this point, Im entitled to compensation!! {$1000.00} per item! 

TransUnion needs to remove the Bankruptcy. 

XXXX also needs to remove the Bankruptcy. 

No negative items such as inquiries, late payments etc. should even be listed especially if none of its true for which none of the information can Be verified ln my credit file! Again none of this untrue info has been legally verified to be true.

If this isnt resolved soon, Ill be litigating soon!!
Consumer complaint received 2021-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/1921 I had a charge to my acc for XXXX I called td bank to dispute the charge on my debit card ... I received a provisional credit which was later reversed ... I called them back to request what documentation they had to make their decision which never came ... I called them twice and both times I havnt received any info from them ... XXXX XXXX XXXX I spoke w/superviser who wouldn't give me his complete name only ( XXXXXXXX ) who said I could go to a td branch to obtain the info.. but at the bank, they said to call this #. 

I had originallydone a survey on line, + was offered a free gift but told to give name address + card info for only shipping fees. I received a set of ear buds which quality was very poor. I later was billed {$100.00} so I called the ph # listed on my bill.. the girl said that there was a free trial per and if not returned, I was billed.. she readjusted the charge to {$20.00} + shipping and I told her not to send anything else as I saw 3 shipping fees ... she explained their wasn't anything else coming from her Co. I kept getting charged w/various amounts which I tried disputing, but kept getting reversal on my credits ... it has cost me XXXX + I have no idea what the supposed items were. I tried calling the ph # 's they had Givin to me, but all of them were disconnected # 's and I had no recource to contact anyone. I canceled my card + received a new number, but still was charged. The name of co was ( XXXX  XXXX XXXXXXXX ) I have no idea what it was supposed to be and asked for documentation of there findings to find that there was no fraud w/their decision.. but after 2 times they told me they sent out.. I never received anything.
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC (TX)

I received a call from Radius Global Solutions and made them aware that I do not owe the alleged debt they were calling about. I then received a demand in the mail stating that they are attempting to collect a debt violating my consumer rights pursuant to federal law 15 usc 1692b ( 2 ) and 15 usc 1692b ( 5 ).
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

BANK OF AMERICA REFUSES TO CALL ME BACK. THAT ARE CHARGING ME 30 % INTEREST. THEY HAVE CHARGED ME {$700.00} AND FEES AND L/C. I HAD A REDUCTION OF INCOME AND CALLED THEM A FEW WEEKS BACK. THEY REFUSE TO WORK WITH ME. I WAS STRICKEN WITH THE XXXX  XXXX AND HAD A XXXX XXXX. IN THE MEANTIME THEY KEEP ON CHARGING ME FEES AND INTEREST AT 30 %. THERE SHOULD BE SOME TIME OF CARES ACT FROM THE GOVT THEY CAN HELP ME WITH AND REVERSE THE FEES AND STOP THE BLEEDING ON INTEREST AND FEES
Consumer complaint received 2021-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Get you hackers off me! This is a violation of my civil rights what they are doing to me! Get them out of my laptop and phones! They have no right to remote in and tie me up making it impossible to function or find work! They are purposely playing a heavy hand in " bleeding '' me out so that I don't come forward with and report the fraud you and all mortgage servicers are comitting on homeowners! 

Get your hackers off me! This is discrimination! They are not doing this to anyone else but me! Get your Hackers off me now!!! 

They have overloaded my XXXX XXXX XXXX online storage space so that it reads I am over storage by XXXX GB when I hardly have anything saved on there! They have disabled my usb drive on my laptop so that I can't save to a thumb drive and transfer files needed to report your fraud! They have disabled my keyboard so that I can't even type on my own laptop which is the only computer that I have! They have deleted every single file I had saved in my XXXX XXXX. I had all my work in there! They have no right to do this! They delete all emails I send out to seek legal representation! This is a violation of my civil rights! 

Get your hackers off me and I will show you all the evidence that more than shows you have a reason to be doing this to me but that doesn't make it right! Get your hackers off me once and for all! I have a right to report fraud that you committed! I have a right to work but they purposely making it so I don't obtain a job! GET YOUR HACKERS OFF ME!!!!!! GET YOUR HACKERS OFF ME NOW!!!!
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021, Somebody made five online transactions for a total of {$50.00} on my account. The next day, Chase Bank send me email asking to contact them due to some unusual transactions. 
In the meeting I try to close the account, but the agent suggests to open a new account, to transfer my balance and change my user ID and password for more security. 
XX/XX/XXXX, probably this person try to transfer {$1200.00}, Chase has cancelled it, because it seemed fraudulent. 
XX/XX/XXXX, an online transfer of {$12.00} XXXX was made from the new account to the same person who already try to made a transfer of {$1200.00} Next day I went to the Bank to have my money back and the Agent closes the new account again and suggests, one more time to open a new account to reverse the amount. After that I close the account definitely and went to get services from an other financial institution. 
On XX/XX/XXXX Chase asks me to pay a balance due of {$12.00} XXXX. I sent a letter with some emails from Chase as a proof that they can find out where the money was deposited if they made a serious and honest investigation. 
On XX/XX/XXXX Chase send me the same letter, I send the same answer I am not the person who do this transaction. I never did online mobile transaction on my account. That why I attached 3 pages of my bank statement.

HOWEVER MY ATTACHMENT IS MORE THAN 10 MB 10937 KB IL TRY TO SEND IT BY MAIL, IF POSSIBLE.
Consumer complaint received 2021-08-06
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. (AZ)

I the consumer contacted transunion a supervisor to be exact. I demanded deletions of all accounts and inquiries to be removed and unfurnished from my consumer report. He went on to say he can on dispute such matter I stated under the fcra federal law 15 usc 1681 ( 4 ) THIER IS A NEED TO INSURE THAT A CONSUMER REPORTING AGENCIES EXERCISE THERE GRAVE RESPONSIBILITY WITH FAIRNESS inpartiality and respect for the consumers right to privacy. And transunion reporting my personal information is invading my privacy. Then went on to say 15 usc 1681 b ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHICH IT RELATES. I TOLD YOUR SUPERVISOR I HAVE NOT GIVEN ANY WRITTEN INSTRUCTION TO YOU GUYS TO REPORT ANYTHING ON MY BEHALF. he said we do have the right because another party reported it. So with another party given you my information you just accept alleged debts on my behalf with out my written concent. He said yes its a automated system. We have no power to delete. But you guys have the power to furnish anything with out my concent? He could not give me one law that says they have the power to furnish with out me saying so I had given him plenty of written instruction as a consumer to have these accounts deleted he said I have to talk with the collectors about such matter. If a third party tells you anything about a alleged debts its your guys job to report to me on such concern to validate any alleged debt but instead you guys just accept and furnish anything you guys want and go against federal law. Once again its my consumer report you have to report to me on my behalf before furnishing alleged debts. You guys need to be responsible for all these individual actions I have the recorded call its about 36 minutes long I have copied a snippet of the conversation for a exhibit as proof you guys have violated my consumer rights. ( NO CONCENT IS IDENTITY THEFT ) I can provide the full record call if need to be.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (NY)

A fraudulent credit card account from Comenity Bank/Zales was sold to XXXX XXXX XXXX. Comenity Bank/Zales released me from liability from this account because it was opened without my authorization and is a result of identity theft. This account appears on my credit report fraudulently even though Comenity Bank/Zales investigated and found that this account is a result of ID Theft.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I was aware of this fraud account on my credit XXXX of XX/XX/XXXX. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2021-08-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

The XXXXXXXX XXXX Account which appears on my credit report is a result of identity theft. I contacted XXXX XXXX and they investigated and sent me a letter stating that they found this account to be a result of identity theft and that it would be removed from my credit reports. 

An inquiry appears on my XXXX  credit report from XXXX on XX/XX/2020 which is a result of identity theft as well which I would like deleted too. 

These matters are not in litigation and have never been subject to Litigation. 

A copy of the letter that I received from XXXX XXXX is attached to this Complaint explicitly stating that they investigated and found that the account is a result of identity theft and that they are deleting it from all my credit reports.
Consumer complaint received 2021-08-06
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: Porania, LLC (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8.  Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-06
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: Experian Information Solutions Inc. (TX)

I paid off an account early that required two payments/month, and at the same time a major legal debt filing came off of my record ( it has been 10 years ).

Experian reduced my credit score 33 points. I am XXXX years old, and I am single, and despite Covid I have been doing all that I can to try to pay off debts even when my work was shut down SEVERAL times, and here I now have a lower score after I paid off an account???!!!! And a HUGE legal filing related to an ended marriage came off??? 

I ASKED EXPERIAN TO REVIEW THIS AND I EXPRESSED THAT THIS IS EGREGIOUS. 

It's like they want to keep us back and hold us down. 

Last year, a credit card reduced my limit to what I owed because I was not using it, and Experian dinged me for that and said that I had maxxed out the account!!! AND THAT WAS A LIE!!! 

I XXXX  and there are apparently over 150,000 complaints in this database against Experian. When is the government going to stop their selfish and pernicious behavior??
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX has violated multiple USC 's : 15 USC 6802-6805 : Obligations with respect to disclosures of personal information. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me emotional damages and defamation of character.

CFR 313.4 Initial privacy notice to consumers required CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

Received a bill from Penny Mac with a {$15.00} fee attached to it. Tried to call on XXXX2021 and held for 14 minutes. No one came to the phone. Sent a secure message from the website on XXXX2021 at XXXX XXXX  with a print out showing I have been 15 days earlier than the due date on each payment and asking why this fee has been charged. Still no response. Tried calling back today at XXXX and held for 15 minutes with no customer service agent coming to the phone. Looking for an answer. No payment has been past the due date. Not even a day. Communication is poor. Sorry I have to go to this measure to get a question answered...
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have " XXXX XXXX '' on my XXXX  account. 
It allows me access to information concerning me and this information is provided by Experian. 
Under addressed this is what is listed. 

Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX The first line is correct. 
The second line:XXXX XXXX XXXX XXXX XXXX AZ XXXX is not. 
I called the number that is given on the page to have it removed and spent an hour on the phone with the automated system trying to get a live person! Could not get a live person to save my life!