davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION (PA)

XXXX Unauthorized Transaction. 

I contacted the company on or about XX/XX/XXXX which was a Thursday to make a complaint of an unknown authorized transaction claim # XXXX Account ending in XXXX when i spoke to the rep on the phone they stated it looks like you authorized the transaction and M & t most likely will not refund you your money This was on a Thursday I received a letter in the mail dated XX/XX/XXXX which was a Sunday stating that they completed a Thorough investigation which i highly doubt based off of the time frame of the complaint and the date of the letter. I received this Letter on XXXX This was a XXXX TRANSACTION through XXXX and my Bank soon as i was made aware and seen the transaction on my transaction history I did not hesitate to call the Bank. According to The Electronic Transfer Act i Have 60 Days prior to the discovery of any unauthorized transactions to make the bank aware according to this act the consumer is liable for XXXX of the unauthorized transaction I need to be refunded for this transaction. Soon as I got the letter I reached out to my bank, and they gave me no answers they said XXXX would reach out to me and I contacted XXXX and they told me to reach out to my financial institutions again i got no answers. I Have attached the letter response from M & T. Also M & T was involved in a data breach back in XXXX and they stated none of my information was leaked however this unauthorized transaction may be due to this issue I have also attached as well. I plan on making a complaint with the comptroller of Currency and the Attorney General 's Office as well as the FTC. I am asking to be refunded for this unauthorized transaction I know the bank has filed a claim and they will be paid regardless so I need to be refunded for this unauthorized transaction. 

M & T should also not be providing 3rd party information to non affiliates without my written consent involving XXXX which is a direct violation of The Privacy Act of 1974 also holds fines up to XXXX for providing such information that i never consented to giving.
Consumer complaint received 2023-09-13
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-09-13
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. (VA)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-02-02
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: U.S. BANCORP (SC)

Purchased accounting services and have yet to recieve the services fully completed. Was advised to continue to try to resolve with merchant and when I did that, The bank then refused to assist with the dispute because I was strung along for months with false promises.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : XXXX RE : Partial Account Number : XXXX. 
VIN Number : XXXX To whom it may concern, I am aware that the FCRA allows for creditors to report but they have to be compliant and accurate at all times. My concern with this account is this. It is reported on my consumer report that this alleged debt was charged off. However, based on the notice of late payment required to be given to a consumer by the FCRA, I did not receive a late notice within five ( 5 ) business days nor was notified that XXXX XXXX XXXX will be putting a negative remark on my consumer report. 

Also, based on the Fair Credit Billing Act, XXXX XXXX XXXX failed to provide me an up to date balance during the month ( s ) that this alleged debt was reported as late so how am I able to make sure the balance was not modified or misrepresented during that time causing a calculated error and in turn, caused the account to be late? How do I know that surcharges were not billed by mistake and that you were accurate while reporting? Can you please provide me with these details.

Additionally, according to the IRS, a 1099-C was to be sent in accordance with this chargeoff as it is over XXXX However, one was not sent. Also, since the alleged debt was charged off, why are you still trying to collect on the alleged debt? Is that not considered fraud and abusive activity according to the FCRA? 



Again, according to the FCRA, all creditors MUST be compliant and accurate when reporting and I feel that XXXX XXXX XXXX failed in doing so.This account is inaccurate and XXXX XXXX XXXX had an obligation to the FCRA to tell me if I was going to be late and that you were going to post a negative remark on my consumer report. You also had an obligation to send me a 1099-C in which you failed to do so. With you reporting this account on my consumer report, it is considered an illegal report and in connection with the XXXX, XXXX XXXX XXXX will be in violation of certain codes equating to XXXX  per violation. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking XXXX per violation for : Defamation of Character ( per se ) Injury to person Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This account is inaccurate and I am demanding that it be removed from my consumer report. 

SEND CORRESPONDENCE TO THE ADDRESS PROVIDED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Without ill-will or animosity, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With Prejudice
Consumer complaint received 2017-12-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp. (FL)

I financed a XXXX XXXX XXXX back in XX/XX/XXXX of XX/XX/XXXX, the car was running fine and I was making payments up until about XX/XX/XXXX of that same year and I was involved in a car accident which resulted in the car being a total loss per the insurance company after they took the car in for inspection. I was told the debt would be settled by my insurance company and the loan company XXXX XXXX XXXX is still asking me for a settlement or a balance to pay to remove all negative inquiries.
Consumer complaint received 2024-02-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PENNYMAC LOAN SERVICES, LLC. (DE)

I, XXXX : XXXX, Original Creditor hereby rescind my consent to be liable or compelled to perform on the contract and agreement with closing with XXXX but transfer to Bank PENNYMAC LOAN SERVICES LLC. 

I entered into this contact agreement with XXXXPENNYMAC LOAN SERVICES LLC without : Full disclosure of my right to rescind 2.Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; 3. AS well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). 
I have reason to believe that XXXX PENNYMAC LOAN SERVICES LLC willing and knowingly took advantage of me and consumer credit. 
I was given false disclosure and deceptive information, as I was informed that a down payment of {$10000.00} was needed during closing which was fraudulent 15 U.S.C code 1635. Within blank days after receipt of a notice of rescission, the creditor shall return to the obligor and money or property as earnest money, down-payment. Pursuant to 15 USC 1605 ( a ) the amount of a finance charge in connection with any consumer credit transaction shall be determined as sum of all charges. So after reading the home closing I filed a 1099A and 1099C IRS Approved the file and send it to the company PENNYMAC LOAN SERVICES LLC.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (KS)

There have been multiple attempts to open XXXX Credit Cards and XXXX Bank Credit Cards in my name. 
Someone successfully opened a Comenity XXXX XXXX XXXX card in my name. 
Someone has done a change of address for me, and I did not receive my mail for several days. 
These 3 issues have been resolved. 
This morning I was alerted to 2 new Comenity Bank Cards opened in my name. Working to close these accounts. 
I have put Fraud Alerts and Credit Freezes on my reports as of Monday. 
These cards all show dates before the freezes and alerts were placed. 
Thank you, XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX {$580.00} {$610.00} {$690.00} {$1200.00} XXXX XXXX XXXX {$900.00} {$920.00} {$1000.00} {$1000.00} XXXX XXXX XXXX XXXX. 
{$3600.00} I am requesting these items be removed from my account immediately. My legal name is XXXX XXXX. I have asked for a validation/signature for accounts and none was provided and I requesting this items to be removed immediately.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (NJ)

XXXX XXXX XXXX - Late payment Upgrade INC -- Late Payment The creditor has violated my rights per in improper use of report per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of error. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Also per 15 USC 166B a creditor must allow ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Per [ 15 U.S.C. 1681 ] the creditor violated my rights to privacy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2023-10-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: HUNTINGTON NATIONAL BANK, THE (KS)

After opening my XXXX XXXX with Huntington Bank, the payments have varied up to {$200.00} differences. I was told it is due to the difference in cycles such as XXXX had XXXX XXXX  and XXXX had XXXX XXXX. Then if I pay a different amount their system does not recognize the payment made, even if it was MORE than the amount due. When I call, I get different answers every time and different calculations. I understand rate changes on my variable rate. However, how can every month billing cycle have more days than the month? I think they are taking me to the cleaners and do not expect the general customer to understand. 

THE MUST BE INVESTIGATED FOR DECEITFUL PRACTICES! Thet could be doing this to so many people who think this is normal.
Consumer complaint received 2023-07-21
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. (MD)

This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine. 

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : Zero out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Consumer complaint received 2023-09-25
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: EQUIFAX, INC. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

I pulled my consumer report and noticed several non mailable addresses. To ensure I receive all mail from the United Postal Services, heres my corrected address XXXX XXXX XXXX XXXX, TX XXXX. My name should also read XXXX XXXX, ( XXXX ) XXXX XXXX, and employer : XXXX XXXX XXXX XXXX XXXX Remove any and all other information to relinquish all identity theft claims, including the information tied to these accounts as the information you are reporting are not mine. I have mailed this information to them XX/XX/XXXX with no avail. 



15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2018-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

on XX/XX/XXXX bank of america placed a block/freeze on my checking account and did not notify me of this act. on XX/XX/XXXX i wrote a bank of america check to be deposited at my local bank. the check amt was {$1200.00} and was covered by the sum in my b of a account. my local bank deposited the check. on XX/XX/XXXX my local bank XXXX fined me {$12.00} for the bank of america check that bounced due to the freeze which i was unaware of. as i understand it bank of america is legally required by law to notify customers of any changes in their accounts. bank of america has my address, email, and telephone number and could easily have called me on XX/XX/XXXX but never notified me at all
Consumer complaint received 2017-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (TN)

I applied for a loan for XXXX with Lending Club before they approved the loan, I sent a email to them, since they were closed at the time to cancel my loan application due to loss of household income that happened the same day. Enclosed is the email that was sent and there response to the email. The next day I received a email to contact them. I explained the situation to them. XXXX the rep on the phone said they could cancel the loan. Then she put me on hold, when she returned she said they could not cancel the loan since it funded that day. I explained cancel the wire she said they could not. Then I said pull the wire back from my bank account she said they could not I was stuck with the loan. Then proceeded to tell me that if I have trouble paying the loan apply for a hardship. This is absolutely crazy. Please investigate. All is I want to do is to cancel the loan. As of today no funds have hit my bank.
Consumer complaint received 2018-07-16
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: AMERICAN EXPRESS COMPANY (NC)

I WAS CHARGED ON MY AMERICAN EXPRESS GOLD DELTA SKYMILES CARD ENDING IN XXXX ON XX/XX/12 FROM A COMPANY CALLED THE XXXX XXXX FOR {$1900.00} AND I HAVE NO IDEA WHO THIS COMPANY IS AND NEVER AUTHORIZED THIS TRANSACTION AND NEVER DID BUSINESS WITH THIS COMPANY. I CALLED AMERICAN EXPRESS AS SOON AS I SAW THIS ON MY STATEMENT AND REPORTED THIS AS A FRAUD AND THEY TOLD ME THAT I WOULD GET THE CREDIT ON MY CARD AND I NEVER DID. THIS HAS BEEN AN ONGOING PROBLEM THAT THEY NEVER REFUNDED ME MY MONEY THAT WAS TAKEN FROM MY CREDIT CARD ACCOUNT. I AM NOW REACHING OUT TO YOU TO HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE AND THIS JUST ISNT RIGHT. I LIVE ON A FIXED INCOME AND I WANT MY MONEY BACK I NEED MY MONEY BACK. I AM A SENIOR CITIZEN. THIS CREDIT CARD COMPANY HAS BEEN SO MEAN AND NASTY TO ME IN THE PROCESS OF ALL THIS AND THEY SHOULD NOT TREAT THERE CLIENTS THIS WAY. PLEASE HELP ME..
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WI)

I am a XXXX XXXX XXXX XXXX XXXX XXXX . I am a XXXX  in a competitive subspecialty, with a high income, and I also travel extensively. I have no criminal record. I have always paid my credit cards in full every month, and I never had a late payment on any credit card. My credit score listed on my XXXX account is XXXX, which is excellent. I specifically chose to open Chase Bank accounts on XX/XX/XXXX ( at the XXXX, WI branch ) due to their bank accounts and credit cards being more accessible for international transactions, which I was very satisfied with. 

On XX/XX/XXXX, I received a letter in the mail from Chase dated XX/XX/XXXX, stating that all of my accounts and cards will be closed as of XX/XX/XXXX : Financial institutions have an obligation to know our customers and monitor transactions that flow through our customers ' accounts. After careful consideration, we decided ot close your accounts because of unexpected activity on this or another Chase account. 
This included Sapphire checking ( balance {$76000.00} ) and Premier savings accounts ( balance {$45000.00} ), and 2 Chase credit cards ( Chase Sapphire Visa balance {$23.00} and paid in full every month ; Chase Freedom Visa with XXXX balance ). 
I called the Chase # ( XXXX ) on the letter on XX/XX/XXXX to discuss what was going on and explain my situation. The person on the phone told me told Chase completed a review on XXXX XXXXXXXX  and decided on XX/XX/XXXXXXXX  to close all my accounts, which is a final decision that can not be appealed, and in the future I can no longer have any relationship with Chase Bank . 
On XX/XX/XXXX, I went to my local Chase bank in XXXX, WI and withdrew cashiers checks for my checking ( {$76000.00} ) and savings ( {$45000.00} ) accounts. They asked if this was because I wanted to close my Chase accounts, and I told the bank teller and manager that my reason was actually because Chase randomly decided to close my accounts on XX/XX/XXXX, so now I had to withdraw all my funds ASAP and find a new bank. I also paid my credit card balance in full.