davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (KY)

I was going through a fraud claim with my Chase bank being hacked, and XXXX being hacked for {$500.00} on XX/XX/XXXX, talked to an representative there at chase and they reported/cleared all pending transactions that were not supposed to be from me. Somebody canceled my phone service ( XXXX ) and kept my number so they got every verification code, And got my email. Around that time I had a payment coming out of my chase for my insurance bill with XXXX that was recurring, and the amount of {$660.00} was taken out for the next 6 months for my insurance. Weeks go by with me thinking I have insurance on my car because my money was never put back in my account of {$660.00} and I get into a car accident that totaled my car and now Im seeing that something went wrong with them canceling my payment. Ive gone months with this missing amount of money from my XXXX and a fee from XXXX being taken from my account and not put back. Now I have a unpaid for totaled car because I didnt have insurance because of this.
Consumer complaint received 2022-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDMAN SACHS BANK USA (FL)

In XXXX XXXX my XXXX XXXX XXXX son process without my consent or permission some app products in XXXX. XXXX requires created an account in order to have access to their apps since my son is a minor, I log in with my account in his XXXX tablet. My card was registered on my XXXX account on my XXXX cellphone because I was paying XXXX cents every month for extra XXXX data. I removed my card from my XXXX account on XXXX but XXXX by any unknown reason without my consent, kept my debit card information on its system, allowing and processing my child transactions, also I got on XX/XX/2021 an apple credit card to buy a new cellphone but I did never used it to buy something, and XXXX charged that new credit card with more bills without my consent. An XXXX employee was also threatened my action of submitting a claim directly with my bank, After XXXX did not check my claim. The merchant return all the money to XXXX on the XXXX account since all those items were virtual not real.
Consumer complaint received 2021-10-18
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: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

My credit acceptance account was opened XXXX. The car was stolen and I was unable to continue payments in XXXX. In XXXX or XXXX the wrote the account off as a bad debt. Then recently they ran my credit without my knowledge and reopened this same account amd started reporting it as non payment after they already wrote it off.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I opened my email to see that I received a message from experian.com dated XX/XX/XXXX of XXXX and its stated that I no longer have a credit score. There was an open dispute of three XXXX  loan which is considered to have a XXXX balance due to a lawsuit that the school faced. I first received a letter stating that the debt will stay with a balance of over XXXX XXXX dollars. I logged in and the website listed that it was still reviewing the dispute and by XX/XX/XXXX of this year, I'll receive an answer. I don't know if I was a victim of phising or if Experian just deleted years of my credit history. I haven't open any new accounts. My credit score was around XXXX but now it's blank. There's an amount of the XXXX  loan but no credit score.
Consumer complaint received 2022-01-01
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. (GA)

Since XX/XX/2021 ; I have filed numerous complaints regarding Equifax, XXXX, and XXXX unwillingness to DELETE erroneous activity found on my credit report. I am the victim of several data breaches, and have provided supporting documentation. To this very day, a few minor deletions have occurred. However, all of the major infractions have established a stronghold with zero intentions of departure. I have spent thousands of dollars adamantly attempting to resolve this matter, but all to no avail. My requests are simple : DELETE EVERY DEROGATORY ITEM IMMEDIATELY OR PAY ME {$1000.00} PER ITEM. To this very day, neither has transpired!!!
Consumer complaint received 2022-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

On or about XX/XX/2021, I entered into a consumer credit transaction with XXXX XXXX who then illegally and fraudulently used my social security number and extended my credit to Toyota Motor Credit Corporation without my consent. During this consumer credit transaction, I was told that I would I be entering into this consumer credit transaction with XXXX XXXX XXXX and that I did not have a right to rescind this transaction under any circumstances. Attached you will find my ; Affidavit of Truth, revocation of Power of Attorney and agreement between myself the natural person and consumer between XXXX XXXX.
Consumer complaint received 2022-01-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

Shellpoint/New Rez Mortgage Servicing continues to misrepresent amount owed, not applying payments to account and creating shortages to escrow account. On XX/XX/2021, I sent a letter with proof of payments stating funds were not credited properly and how this cause a shortage in escrow account and an issue with the amount of interest charged for the month of XX/XX/2021. Shellpoint responded on XX/XX/2021, with errors, mistakes and not applying a payment received to my account.
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/2020 thru online banking, which I have never done, a check was created for {$4600.00} to a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX from Fifth Third bank. This was from my checking account which I have had for 24yrs. I did not do this and do not know this individual. I discovered this XXXX XXXX when I tried to cash a check at a branch. The bank has the endorsed, processed check that posted XX/XX/XXXX. The bank refuses to investigated this fraudulent act because it is over 30 days from time of discovering the act. I have appealed several times and they continue to deny my request stating same reason, more than 30 days passed discovery. I have filed a police report with my local police department # XXXX, also fraud claim reference with bank XXXX and XXXX id XXXX. 
The bank 's refusal to investigate this case of fraud is inexcusable and raises the possibility of someone in the bank system who is involved or they are hiding something. I want my money back and people responsible for this caught.
Consumer complaint received 2021-10-18
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: EQUIFAX, INC. (CA)

I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2022-01-01
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. (MI)

This company is in violation of the Cares Act 15 USC 9051 I've sent a letter this ask Please remove all late payments and change the payment status to current because of the Cares certified mail XX/XX/2021, and the company has yet to respond nor updated the the report. Here It is 62 days later and no update. No even a response to my letter. Which is completely unacceptable. Which is also in violation of 15 USC 1681b
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

I looked at my credit report and i seen all the credit bureaus reporting a bankruptcy on my credit profile. Lexisnexis is reporting the Bankruptcy as of XX/XX/2017 on my profile. They reported negative and defaming information beginning XX/XX/2017 on my credit report. I sent a debt validation to no avail. They never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. The courts do not report bankruptcy so why are you furnishing this information to hurt my credit score. I have challenged the accuracy and integrity of the information. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 
12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

- [ ] NOT MY ACCOUNT/DELINQUENT IN PHYSICALVERIFICATION XXXX XXXX XXXX Account Number : XXXX Please BLOCK account from credit file. 
- [ ] NOT MY ACCOUNT/DELINQUENT IN PHYSICAL VERIFICATION TD BANK XXXX XXXX 
Account Number : XXXX Please BLOCK account from credit file. 
- [ ] NOT MY ACCOUNT/DELINQUENT IN PHYSICAL VERIFICATION XXXX XXXX Account Number : XXXX Please BLOCK account from credit file. 
- [ ] NOT MY ACCOUNT/DELINQUENT IN XXXX XXXX XXXX XXXX Account number Please BLOCK account from credit file.
Consumer complaint received 2022-01-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This issue has to do with the way that Bank of America does their account linking in their Bill Pay part of their website. In certain cases it looks like account links in the Bill Pay Center can be removed without warning. It might result in overdue fees, interest on balances and negative impacts to credit score. 



I used to have a Bank of America checking account in like XXXX but closed that but kept using a Bank of America credit card. I paid the bills for that credit card using a checking account at another bank, call it Bank1. Fast forward to like summer of XXXX and I opened a new checking account at another bank, call it Bank2. I verified and linked up my Bank of America Bill Pay to autopay the Bank of America credit card from Bank2 for the last 2 months. 
I re-opened a checking account with Bank of America during the last week of XXXX and my previously linked checking account from Bank2 has disappeared from the Bank of America bill pay center. For some reason, re-opening a checking account at Bank of America reverted the banks I had set up in Bill Pay to what is was in XXXX. 



In my Bill pay center it clearly shows that the autopay from Bank2 was set up before because it says the autopay is still scheduled but an unverified account. And I don't see a way to set up a payment from a bank account that is not linked to my Bank of America Bill Pay.
Consumer complaint received 2022-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (MD)

On XX/XX/2021 I received a text first from XXXX I guess PNC saying that XXXX try to get a transaction for my account for {$140.00} and some change accept what this you yes or no I said no and I got a call from the bank it was PNC 's phone number the one XXXX someone they said from the security department I didn't have {$140.00} and some change in my account so they said the XXXX as trying to get a purchase somebody basically compromise your account then I have had this happen to me before I've never had it this bad postal PNC always keep pushing a merge with a new you used to go online banking to make a long story short PNC has made like I have been had something to do with the wire transfer I don't transfer money at the end of the day they can look on my put my social security number and and whatever they did satisfied them and see that I have no access to wire transfer I only have account with PNC Bank I don't know anything of this PNC is so quick to be the one to keep your money so that makes me think someone at the bank is stealing people 's money at the end of the day pnc was notified about this issue as well I have to see what was going on with that I would like a bee Pennies on my money returned to me because of the theft whoever that person was that called me I've had people call me like this before they knew everything about me they even called from the numbers that PNC usually calls for from and they trying to say all the scammers know how to set it up looking like it's their phone number well never lap if that's what you want to say at the end of the day PNC needs to do a full investigation and if the Consumer Financial can help as well a full investigation needs to be done with that bank in the employees and where this money is going at a pass cuz it's into it why isn't there a fraud fraud department I supposed to have a I have a fraud alert on my credit report also why is it that fraud are fraud department looking at things going on with people 's account if people have accounts that they always do the same thing I've been with them about maybe like 10 years maybe at the end of the day it's no way that this should should have never happen especially if you've been with banks for years I've been with that bank over 10 years this is not something that you have let happen to a customer the fraud department is even worse than the people in the branch also they told me that if I get my money back they act like they don't know where that wire transfer of monies went to PNC up severed by trust for them because I put my money in there in good faith and basically they have shown me that they could care less and did they do they act like they don't know where that money went to and who it went to I have several accounts that this incident has caused me heartache just about every account I have has with PNC has been tampered with
Consumer complaint received 2022-01-02
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. (PA)

I never consented to the furnishing of these accounts on my report and that is in direct violation of USC 15 1681 ( b ) -PERMISSIBLE PURPOSES OF CONSUMER REPORTS. 
ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX
Consumer complaint received 2021-10-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NE)

We accomplished an IRRL with a closing on XX/XX/XXXX. We have been with Freedom Mortgage since XX/XX/XXXX. 

We switched our homeowners insurance companies selecting a local servicer with lower rates in XX/XX/XXXX. Freedom Mortgage paid XXXX ( XX/XX/XXXX ) {$2000.00} for homeowners insurance for the period of XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX, Freedom Mortgage paid new insurance provider, XXXX, {$1600.00} for the period XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX, XXXX refunded {$2000.00} to Freedom Mortgage and was put into our escrow account. 

Freedom Mortgage has decided that we owe, for escrow shortage, {$3600.00}. Our taxes have decreased by {$100.00} per year. Our homeowners insurance has decreased by {$400.00} per year. Our escrow monthly payment was {$780.00} per month. Effective, XX/XX/XXXX, our monthly escrow payment is {$760.00}. However, even though our taxes, insurance, and monthly escrow has gone down, Freedom Mortgage insists that we must pay an additional {$300.00} per month towards our escrow shortage. 

After multiple discussions with representatives from Freedom Mortgage, they are unable to adequately explain or justify the change. Additionally, they will not re-compute an escrow analysis. The additional amount per month is an excessive financial burden and incorrect in its calculation.
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

The Fair Credit Reporting Act ( FCRA ) law grants credit bureaus 30 days to verify or delete a disputed item. At times, credit bureaus exceed that time and wont reply. If the credit bureaus doesnt respond within 30 days, theyre in violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX  has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have seven negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2024-09-04
Product: Credit reporting 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. (CA)

I recently obtain a copy of credit report an noticed that I have some hard inquiries that I did not authorize. 


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