davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I purchased two items at the XXXX XXXX XXXX store in XXXX XXXX on XX/XX/XXXX. One of the two items was returned within 30 days. The other, I kept. The kept item originally cost {$29.00}, but because I opened a credit card that day, was discounted by 15 % so that I ended up paying {$27.00}. Both items were charged to the new credit card. After returning the more costly of the two items, however, I decided to cancel the credit card. Unfortunately, I never received a bill for the charges, because the bill was sent to an old address ( in Missouri ) where I am not currently living -- due, as far as i can determine, to an error made by the store clerk who processed my application for the account. Long story short ... Because I never received a statement, had closed the account and returned the main item purchased on it, it completely slipped my mind that there remained a small outstanding charge ... until I received a call from Comenity bank ( who owns the XXXX XXXX credit card ) on XX/XX/XXXX, saying that I had a past due balance of {$92.00}. I was quite confused because I could n't recall anything I had purchased for that amount or anywhere near that amount. After some discussion, it became clear what had happened, and I paid them on the spot the {$27.00} I legitimately owed them. Now at dispute is a balance of {$100.00} they say I owe them in late charges, interest & misc fees. However, the statement ( attached ) indicates that I have been charged {$130.00} in interest, late fees and charges since the account was opened on XX/XX/XXXX. This is 476 % more than the cost of the single item I purchased, and these charges were levied over a 4 month period betweenXX/XX/XXXX and XX/XX/XXXX, the date of the bill I just received. That translates into a 1429 % effective annual rate. This seems patently absurd, and surely there must be some law against such outrageous charges. when I spoke with Comenity on the phone, I asked them to waive the late charges and fees and they declined to do so. I asked to speak to a supervisor. Although he/she did not come to the phone, a message was relayed to me saying that because i had closed the account, they could not or would not reverse any of the charges or fees. Please note that the attached statement is the ONLY statement that I ever received from Comenity, and it was received because I gave them my current address over the phone on XX/XX/XXXX at the time I paid them the {$27.00} that I legitimately owed them.
Consumer complaint received 2017-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (FL)

This is in reference to a dispute I filed in XXXX XXXX with PNC bank. An unauthorized charge for {$250.00} for XXXX XXXX. I received documents to sign, in which I mailed back in XXXX. PNC claim they did not get. Then faxed them in XXXX and was advised they received them. I went to go pay my rent on Sunday XXXX/XXXX/XXXX and could not because they had taken {$250.00} out of my account. I am now being evicted with my minor son due to this issue. I a, fighting XXXX and I have no help paying my rent. PNC customer service has been extremely rude and not helpful. I feel they are taking advantage on my XXXX. I need help please. Thank you
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

I just received a renters report from the apartment complex I just applied to. It lists an address from 2011 that I have never ever resided at, I contacted the company ( Experian ) months ago and was told it would be taken off and now I see that it is still being listed as a previous address. I want it removed from my consumer reports
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XXXX XXXX, 2016 I checked my XXXX account and had a total of XXXX hard inquiries removed from my credit report. Once again I checked my XXXX account on XXXX XXXX, 2016 and all XXXX hard inquiries were re-inserted back onto my credit report. I did not receive written notification about this re-insertion according to the FCRA section XXXX. I have been calling Transunion about this matter, and keep getting very rude individuals who barely speak english. I ask repeatedly to be transferred to a manager, or the department handling this. Each time I am told they can not transfer the call, and hang up on me. I keep getting told that there was a glitch in the system, and that they will not fix this for me.
Consumer complaint received 2017-06-20
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. (NC)

I contacted Transunion to have the fraudulent inquiries on my account removed and they will not remove these inquiries. The representatives keep telling me to speak directly with the companies, however, the companies keep telling me to call Transunion. The companies are XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Inquiry Type : Individual
Consumer complaint received 2017-06-21
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: EQUIFAX, INC. (MS)

I have sent multiple letters to Equifax. I received a copy of my Equifax credit report and it showed credit inquiries that I did not authorized. I understand that unauthorized inquiries should not be placed on credit files. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible purposes. 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX XXXX 11. XXXX 12. XXXX XXXX XXXX
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Inquiries not approved by me, some inquiries were removed and put back by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was in the middle of purchasing a house when I received a communication from my agent to wire down payment for a quick closing. Well, I did not know he got hacked and it was a scam. I transferred money from my XXXX account to an account in bank of America. After I was notified that I was scammed by bank of America ( apparently they already knew there was something wrong with that account and did not do anything about it ) I requested information when I was notified that I will not receive it and I have to report it. I opened a police case, FBI case and my XXXX XXXX requested a recall. 40 days is passed and basically everyone including FBI is telling me that they have no power over bank of America to get even the slightest information. I am sitting ducks here and no one is giving me any information about XXXX dollars that is now disappeared in the name of protecting the privacy of obviously scammers. Good to know that as tax payers we have no rights. More importantly, even government agencies have no power to get answers from these banks. I guess everyone is giving me the answer that I should spend more money on lawyers to get some answers.
Consumer complaint received 2017-06-21
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. (GA)

Inquiries not approved by me, some inquiries were removed and put back by Transuion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-06-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NV)

I had some fraudulent items going thru XXXX I called and I advised that I wanted my accounts to be on hold due to old buisness partner was trying to harm me, I called for some checks but I advised that all I wanted was to advised it was not me and I do n't want any refund at all, my account got frozen due that call, meanwhile my wife and I went to bank branch where most of the staff knows us due to our loyal and good reputation they called and semi reopened the account but XXXX of the bank associates thru that fiasco was making phone calls and re opening cases which we had no knowledge the extend that she was doing. Long story short my XXXX got closed and now chase is being closed my assumption for that reason. I never wanted anything besides protection and now I 'm going Thru hard time with my accounts closing when I never did anything wrong, I trusted the bank Personall that they where doing the correct protocol but it seems that they harmed me instead of helping
Consumer complaint received 2024-01-02
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. (MD)

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Experian. I submitted a complaint to Experian regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Experian is legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from Experian. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Experian address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRA regulations. Attached you will also find my ID, and my Proof of Address.
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO. (FL)

There was a fraudulent charge on my card with chase. I got a new bank card, and the charge was for a second annual pass for universal. I explained to them that I already had one, and they saw those charges. They gave me the money back. {$190.00}, but 3 weeks later took it back without providing any information. When I called them they said that they saw the charges for XXXX was mine and the other XXXX was not in my name but they could n't verify the XXXX.
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (CA)

To Whom It May Concern : My name is XXXX XXXX and I am Sierra Pacific Mortgage Company 's customer, currently holding a conventional 30 year mortgage of $ XXXX, Loan Number XXXX. I sent in a bi-weekly payment amount of {$1300.00} towards my loan payment on XX/XX/XXXX, which covered 50 % of the payment amount of $ XXXX. This payment was sent from my XXXX XXXX account. I have evidence that Sierra Pacific received and cashed my check on XX/XX/XXXX. I have sent multiple emails, perhaps 5 or 6, asking that they please apply the {$1300.00} extra to principal and only one of the emails has been acknowledged ; not offering help or resolution, simply " acknowledging '' the email, but with no action taken on part of Sierra Pacific. I initially intended to send in the other half, an additional {$1300.00} within a few days, however, inadvertently, XXXX XXXX sent an additional {$2800.00} which included {$200.00} towards principal. Not intending to pay {$1300.00} plus {$2800.00}. towards my monthly payment of {$2600.00} I asked XXXX XXXX to place a stop payment, which they did, but somehow the payment made it to Sierra Pacific and they credited, then debited the amount. I had been trying, for about two weeks since the first few days in XX/XX/XXXX to make the remaining payment of {$1300.00} via Sierra Pacific 's online payment option, while the payment was still FREE of fees, i.e. no {$5.00} or {$10.00} fees, however, their system only gave me the option of paying another {$2600.00}, not keeping in mind that I had already paid {$1300.00}. I was forced to pay a {$10.00} fee to make an ONLINE PAYMENT, which reason dictates should be free, and this appears to be a PREDATORY and egregious fee, not to mention, the payment is being done before the XX/XX/XXXX of the month, when the payment is still considered timely. I am asking that you please have Sierra Pacific reimburse the {$10.00} that they took from me because I had been, for the past 14 days or more, trying to make a payment toward the balance owed, which was only {$1300.00}. At this point, as noted in the beginning of my email, I have asked that the very big, additional payment of {$1300.00} be applied as extra to principal and to make the payment retroactive to the first day Sierra Pacific received it, which was on XX/XX/XXXX, as they have been holding it in limbo as " unapplied '' and it has not been applied toward my mortgage, allowing additional interest to accrue. I have asked that they please adjust the interest to the date the {$1300.00} was received by them, and please credit the {$10.00} taken for the payment made because their system was not allowing me to pay the balance of {$1300.00} and forced me to eventually make another full payment of $ XXXX I thank you in advance for refunding the {$10.00} payment fee and applying the {$1300.00} extra to principal, retroactive to when Sierra Pacific first received that payment which again was received, AND cashed by them on XX/XX/XXXX. Thank you. XXXX XXXX
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

Shellpoint Mortgage purchased my home from the XXXX XXXX XXXX on XXXX/XXXX/XXXX. I received a letter from XXXX XXXX stating that it will take from 60 to120 days to review my account XXXX and to just complete the account information sheet that was enclosed therein and return it on XXXX/XXXX/XXXX I received a note stating that I need to pay {$13000.00} by XXXX/XXXX/XXXX or they will foreclose on my home. this is not right they advised me that if there were any past due amount on the ; loan they would place it on the back end of the loan,
Consumer complaint received 2017-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

By the end of   XXXX   XXXX  , Ban k of America n otified me that my home loan ( Account #  XXXX  ) serviced by  XXXX   ( A ccount #  XXXX  ) was going to be transferred to  BofA ag ain. They notified me with only  2 weeks  in advance. I used to pay twice during the period of the  XXXX . and   XXXX   of each month through the bill payer I had set up in my  Credit Union  account.  XXXX  received the first payment on   XXXX   XXXX   XXXX   as it can be seen in the payment history attached but the second payment set up for the  XXXX  was returned to my account. I was informed by the  Credit Union tha t  XXXX  had close the account.     In  XXXX  I sent to  Bank of America  the returned payment as well as the due payments for the month. BofA kept showing and still is showing in my account on line, that my payment was/is past due. I went a couple of times to local branches but I was told that all mortgages are only managed on line. I contacted BofA to inform them that all the payments had being submitted timely and that they should post the last payment I sent to  XXXX . In the meantim e, BofA has sent  me letters a couple of them certified letters offering " help '' with my missing payments.      Three  months has passed since the account is showing missing payments that are not truthful. There is no pending or missing payments at this time. I am writing you so BofA update all the payments I have made to my account. Past experiences have taught me that at the end I am hold responsible for actions that  BofA has done  or not done. I am asking you to please request BofA to request the missing payment to  XXXX  and keep a truthful record of my mortgage payments.
Consumer complaint received 2024-01-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MI)

I received a credit alert that a new inquiry for a Chase Credit Card was submitted on XX/XX/XXXX. The credit card applicant was declined but my information was still breached somehow. Someone also attempted and was able to successfully open a credit card using my sisters information ( XXXX XXXX ). 

I called Chase and they told me they didn't have any information on the application since it was declined, the info was deleted from their system. I asked if they would investigate since there were 2 breaches and they said no. 

I also called the credit bureau to get the inquiry removed and they noted they couldn't do anything until i filed a complaint with the FTC.
Consumer complaint received 2024-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or rectify the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX Balance : {$360.00} XXXX  XXXX XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX.
Consumer complaint received 2017-06-20
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: EQUIFAX, INC. (FL)

XXXX XXXX, otherwise known as XXXX did a hard inquiry on my credit report today with out my consent. I ordered a replacement credit card from XXXX because my magnet strip was not working on my current XXXX  card. This in no way should have made them do a hard inquiry. I have not applied for any other credit card from XXXX nor have I applied for a credit line increase on my current XXXX card.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern, I am writing to formally file a complaint regarding unauthorized and illegal activities reflected on my credit report. This letter serves as a formal request to remove these inaccuracies immediately, as they are a direct result of the XXXXXXXX XXXX XXXX from XXXXXXXX 

My personal information, including my Social Security number, date of birth, and other sensitive data, was compromised during the well-publicized XXXX XXXX XXXXXXXX. I have reason to believe that as a consequence of this breach, my information was sold and used without my consent, leading to the creation of unauthorized accounts and entries on my credit reports. Over {$4200.00} was spent from XXXXXXXX XXXX XXXX in trying to remediate the effects in going making calls to XXXX, visiting USPS multiple times waiting in line and sending postage. Purchase of celluar devices, plans, making calls, and purchase of printer to print out all necessary documents to mail. 

I am hereby attaching proof that confirms my status as a victim of the XXXXXXXX XXXX XXXX. This evidence includes official communication from XXXX acknowledging my information was compromised in the breach. Despite this acknowledgment, XXXX has failed to take appropriate action to rectify the situation. 

In light of these circumstances, I am requesting the immediate deletion of all accounts and entries on my credit reports that have resulted from this data breach. These items are fraudulent and do not represent my financial behavior or consent. 

Please note, under the Fair Credit Reporting Act, you are obligated to correct any inaccuracies on my credit report promptly. Failure to do so may result in legal action. 

I trust that you will address this matter with the urgency it requires. I expect a written confirmation of the deletion of these items from my credit report. If you require any further information or documentation from my end, please do not hesitate to contact me. 

Thank you for your immediate attention to this serious matter.