davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I received a bunch of spam marketing emails. As I was clearing through them, I noticed a hotel booking confirmation for XXXX. 
It was a hotel booking at the XXXX XXXX XXXX XXXX And XXXX XXXX XXXX for {$500.00}. I did not make this purchase. It still had my name and contact info on the reservation. 

I called XXXX to tell them I did not make this purchase. They told me they could not cancel the reservation since it was a prepaid, same-day reservation and the credit card charged to it was already billed and the hotel was paid. 

So on XX/XX/XXXX, I called Chase to report a fraudulent transaction. The Chase agent told me the charge was made to a card ending in XXXX  XXXX a card number I cancelled in XX/XX/XXXX due to attempted fraudulent attempts. It was replaced for my account and I received a new card number ( ending in XXXX ). The agent then filed a fraud claim on my behalf. 

On XX/XX/XXXX, I received a letter from Chase saying they were denying the fraud claim because I benefitted from it. 
On XX/XX/XXXX, I called Chase to appeal and they told me since my name, address, and email was on the hotel booking I was liable for the purchase. They told me it was up to me to prove I did not make the purchase and that someone else benefited. 
On XX/XX/XXXX, I called XXXX for the receipt and they sent me a contract showing the reservation was made against my old, replaced credit card number. They told me they can not provide more information as I have already filed a credit dispute. 
On XX/XX/XXXX, I called the XXXX XXXX XXXX XXXX And XXXX XXXX XXXX to ask for the hotel 's receipt and information on who used the reservation. They provided me the folio and a system image showing the guests who used the reservation. 
XXXX XX/XX/XXXX, I sent the XXXX receipt and hotel documents to Chase as evidence of fraud. 

On XX/XX/XXXX, I received a call from Chase who told me the documents were not enough and that since my name was still on hotel reservation, I was still liable. It doesn't matter the system showed someone else was the accommodating guest. They also explained since I used XXXX in the past, charges on my old credit number was still valid - something about a credit card updater. 

XXXX XX/XX/XXXX, I received a letter saying my fraud claim was denied and I was liable for the purchase.
Consumer complaint received 2023-06-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (SC)

LVNV FUNDING LLC has reported false and incorrect information on all XXXX credit reports, this is unprofessional for a company to falsely reported incorrect information on my credit report, I would like to have this false incorrect information to be removed from my credit report. The credit card was closed on XX/XX/XXXX with REVVI, I haven't opened any account with LVNV or XXXX  on XX/XX/XXXX, I don't understand why this company would report incorrect information knowing that's its false.
Consumer complaint received 2016-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Brown Olcott, PLLC (AZ)

I recognized that I have become delinquent in my HOA for {$420.00}. I called my HOA to pay in full and they instructed me to call XXXX as it was referred to legal. My HOA graciously provided a phone number to dial in which i have called multiple times during the appropriate business hours, sent emails and left voicemails. I simply can not get anyone to take my payment and i fear that due to this company failing to communicate with me, a lien will be placed on my home.
Consumer complaint received 2022-12-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico 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 transunion i spoke to a representative agent name XXXX and XXXX and 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 three 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 inquiries 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 21 times. transunion 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2017-04-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (FL)

This is a complaint against PNC Bank, with my checking business account. There was a lot of transactions with my debit card that were n't authorized with me and also with the establishments of stores and also a lot of atm retirements. I have contacted the bank because I received an email of alert and I immediately called to make the claim that those purchases were n't authorized by me but went through without my permission. I asked to have another express debit card because they have left me without money in the bank. After, they switched me to the atm services of the bank, I had to push through to have my claim go through. There was a lot of retirements of atm that were n't made by me for months now. They did n't want to give me a claim number, and that the money would probably not return into my account. By the rules, I should have protection against these types of situations. The thing that upset me the most was that for the first time, I have to go to the physical bank to ask for claim but they ask me to call them through an email.
Consumer complaint received 2023-02-27
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account for its misleading report, It is not authorized to fail to validate this reporting account as unverified information without providing any proof. The following account needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report XXXX XXXX Balance Owed : {$1600.00} This complaint is a follow-up in line with my previous complaint dated XX/XX/2023 2023
Consumer complaint received 2017-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KS)

Ocwen receives my payment on  XXXX   XXXX ,   XXXX  . The  XXXX   XXXX  NUMBER is :  XXXX .     Even after ocwen got it on  XXXX   XXXX  they post it on  XXXX   XXXX  date. This effects my credit.     It should be posted the day they get the payment and not when they feel like.
Consumer complaint received 2023-02-27
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX  XXXX XXXX : {$560.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$520.00}
Consumer complaint received 2023-02-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-06-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation (AL)

I was late on my payment and Fairway Independent Mortgage Corporation went up on my mortgage by almost {$500.00} a month claiming it's for my escrow. I only pay homeowners insurance out of the escrow which is {$1400.00} a year, I do not pay property taxes in Alabama because i'm XXXX  XXXX XXXX  & XXXX  XXXX veteran. This is predetory lending practice. When i ask where is the {$600.00} that was said to pay property taxes i receive no answer. The are trying to take my home away for a one time late payment. I receive threatning phone calls and messages monday-friday and also threatning letters in the mail. I'm on fixed income and can not afford my mortgage to double in monthly payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks!!!
Consumer complaint received 2023-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (WA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I pulled a copy of my Experian consumer report and noticed some items I would like to dispute. They are as follows : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$21000.00} Reason : This account was reported without my written consent and therefore is a result of identity theft and should be deleted. This account is a charge off and was written off, which is reported as ordinary income which is excluded from a consumer report. This account is not related to any transaction authorized to be reported via written instructions by me, the consumer. 

Creditor : XXXXXXXX XXXX XXXXl Account Number : XXXX Balance : {$19000.00} Reason : This account was reported without my written consent and therefore is a result of identity theft and should be deleted. This account is a charge off and was written off, which is reported as ordinary income which is excluded from a consumer report. This account is not related to any transaction authorized to be reported via written instructions by me, the consumer. 


Creditor : XXXX Account Number : XXXX Reason : This account was reported without my written consent and therefore is a result of identity theft and the XXXX late payments should be deleted. This account is not related to any transaction authorized to be reported via written instructions by me, the consumer and the XXXX late payments reporting should be updated to paid on time, never late XXXX the entire account should be DELETED.
Consumer complaint received 2023-06-26
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. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This account has been disputed pursuant to IRS Publication 535, Charge off accounts are considered income and income can not be reported to any credit agencies.

Internal Revenue Code PUB 535 : CHARGE-OFFS or Certificate of Indebtedness, is considered INCOME and is not to be reported to CREDIT BUREAUS.

I also did not contract with this third party affiliate neither, have I consented to or authorized this third party affiliate to have access to my non public private transactional information and to share it with other third party affiliates. Nor to report inaccurately where not permitted by law. As stated here in my dispute.

Pursuant to 15 USC 1681b : Reporting agency must have written consent and permissible purposes from consumer No permissible purposes or consent has been obliged by me to any of the reporting company therefore constitutes unlawful and inaccurate reporting on the behalf of Portfolio Recovery Services and each bureau to whom my information was distributed without my consent.

According to 15 U.S. Code 6802- Obligations with respect to disclosures of nonpublic personal information, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with 15 U.S. Code 6803.

In general, a financial institution may not disclose personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form, or other form permitted by 15 U.S. Code 6804, 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 the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

According to 16 CFR 313.4 Initial Privacy notice to consumer required- Financial institutions must provide a clear and conspicuous notice that accurately reflects privacy policies and practices to a consumer before you disclose any nonpublic personal information about the consumer to any non affiliated third party.

16 CFR 313.7-Form of opt out notice to consumers ; opt out methods-Financial institutions must provide a clear and conspicuous notice to each consumer that accurately explains the right to opt out. The notice must state that you disclose or reserve the right to disclose nonpublic personal information about the consumer to a non affiliated third party ; that the consumer has a right to opt out of that disclosure and a reasonable means by which the consumer may exercise the opt out right.

Therefore, this is inaccurate reporting and a violation of FCRA and FDCPA RIGHTS. It needs to be deleted.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Trans Union is showing the following inquiries on my credit report that I did not authorize and they had no permission to pull my credit. I called Trans Union and they are unwilling to do anything for me. I would like these inquiries removed as they did not have my permission. 

XX/XX/XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (OH)

On XXXX XX/XX/2017, I opened a new credit account through American Eagle Outfitter with Synchromy Bank XXXX Then on XXXX XXXX, 6 days later, i received an email saying my statement period had ended and I owed {$25.00}. It said I could view or pay balance by clicking XXXX of XXXX links. I click the links and could not view or pay as I hadnt received the card yet to register my online account with them. So my due date with them is by XXXX XXXX. I have no way to log in or pay this statement balance/. I had this account 6 days before the statement was printed and with the due date of XXXX XXXX, my account will not even have been opened 30 days and it will already be overdue! This is unfair practice to the consumer!
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XX/XX/2023 an account on instagram with a picture of a XXXX XXXX on it XXXX messaged my account asking for permission to paint XXXX of my posts. Her username is XXXX XXXX I allowed her too and she told me there would be comission for it. She claims she can not receive checks at the moment and that her client will be sending the checks my way to cash it. She claims {$2000.00} will be sent my way and that {$500.00} will be mine and {$1500.00} will go to her. Her client with a mobile number ( XXXX ) XXXX and email XXXX messaged me and sent 2 {$1000.00} checks. These checks had a company logo from an established special needs school in Arizona, hence why I thought everything was real. Everything deposited alright on my account but a few days later realized that the checks have been canceled and I was sending {$2000.00} from my own account. I believed everything XXXX XXXX  was saying until she sounded very pushy but it was too late and XXXX can not cancel transactions. After a low balance was detected on XX/XX/2023 I immediately called Bank of America for help. The reviewed my case and gave me an answer that they would not be returning the funds. I had to call all the way from XXXX and spend lots of money on the call for this case.
Consumer complaint received 2023-01-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I have a student loan that is being serviced by Heartland ECSI. Due to the expiration of the XXXX related loan pause I was informed that by ECSI that they would begin to bill/auto-debit for my loan in the coming months. Interested to both see and potentially take action on my loan, I attempted to login to my ECSI account and was told via their automated system that as it had been 120 days since I last logged in, I would need to reset my password. However, when I attempted to do so the system was unable to locate my account, despite being provided with my correct username, last name, and DOB ( as requested ). Furthermore, when attempting to contact ESCI I was unable to get to a customer service representative despite repeated calls with hours-long wait times.
Consumer complaint received 2023-06-14
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. (NJ)

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed