davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
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: FISERV INC. (CA)

HERE IS THE POLICE REPORT ATTACHED! I have faxed to the fiserv email, yet no reply!!! 

Money network refuses to review this " new '' correspondence. 
Money network is now discriminating against me because of my race. I followed all of their protocol ( ie : submit an identity theft report, submit a police report, submit dispute report and declaration ) yet, money network refuses to properly investigate my claim and replenish my stolen funds from my family and I.
Consumer complaint received 2022-04-16
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX # 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 2022-04-16
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX # 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 2022-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On Wednesday, XX/XX/2022, I received a text message from the Bank of America fraud protection team asking if I authorized a {$460.00} charge to XXXX XXXX. I did not authorize this so I replied no. I checked my bank account and XXXX account and there was no purchase or money withdrawn. I went to XXXX and looked up the bank of America and check the back of my card and called the #. I called it. I believe the number was spoofed. I was asked to transfer money by XXXX from my checking to myself ( my email address ) as a refund for {$2700.00} and it happened again for {$800.00} making it a total of {$3500.00}. I went to the Bank of America XXXX in XXXX XXXX, Md to ask if this was a fraud and how could I call their phone number, and it was a fraud. They told me it happen before. I made a formal complaint/claim with the Bank of XXXX XXXX I received an email from XXXX XXXX that a bank transfer to my email address and account. I don't have an account with XXXX XXXX.
Consumer complaint received 2023-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (CA)

I was notified by XXXX that I had an alert on my credit report the beginning of XX/XX/2023. So I went into XXXX and checked it. I immediately disputed it saying it wasn't mine. The dates given furry opening the account are not mine. I've not opened any account with them original source. But they results I received back from XXXX just stated that all information had been verified. I've not received any communication from them original source of from the debt collector. But yet they say they have everything verified. If anyone were to look at my credit they can see that I have not been late with any of my payments. I've got 100 % payment history with an my accounts that are open. I feel they just sidestepped verifying with me any of the information as then XXXX just took their word for it. Now I think it's on all XXXX as well. The only one that hasn't reported it yet is XXXX. I did not open any account on XXXX of 2023. This is so frustrating that your can't do anything once your results are back from the credit companies. To me this ooks like identity theft.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (NJ)

Dear sir, Today, on XX/XX/XXXX, I happened to check the credit card, which your company must have provided. In the morning on XX/XX/XXXX, I had found out the illegal usage on my previous bank credit card ( XXXX XXXX XXXX XXXX ) twice ; therefore, this credit card was closed immediately through your company website. I enclose the document, which has sent to Bureau of Consumer Protection on XX/XX/2023. When I opened the website this morning, I found out that there were several transactions on the closed account with XXXX purchases, which I dont recognize at all because there is no transaction history on my XXXX account side. I enclose all printouts of these illegal JP Morgan Chase Headquarters and the proof of XXXX non-existing transactions. While I checked all illegal transaction records on your company site, I realized the card ending number was different, which ending XXXX. Since I have not received my replacement credit card from your company and your company site indicated somebody used my supposed-to-be new credit card, I sincerely imply the possibility of thief of this card. I, also, enclose the proof I ordered my new usable card, which is usable safely, legally, and ethically by me. 

Sincerely,
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX account # XXXX date opened are different from transunion then XXXX transunion date opened is XX/XX/XXXX XXXX  date opened is XX/XX/XXXX date of last active is different from transunion then XXXX transunion date of last active is XX/XX/XXXX XXXX date of last active is XX/XX/XXXX delete this account for multiply inaccuracies.
Consumer complaint received 2022-04-16
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. (IL)

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

15 U.SC 1681 Section 604 A. States I have rights 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 2022-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

We can not get Suntrust or Truist to remove PMI from our loan. It has been over a year at this point. This is the third CFPB complaint we have tried to file and they always say they'll work with us, call once, and then stop. They need to remove the {$170.00} PMI payment as our home is worth almost twice what we owe now. We have sent in checks TWICE for the {$100.00} cost for the broker 's opinion service they say we need, but they are not cashing the checks, and they do not continue to call or respond when we try to figure out why they aren't cashing them or what the next steps are. This is intentional. We have called many many times, used the chat, used secure messaging, and gone in person- all many times. We do exactly what they say, and then the next person we talk to laughs about it and says " oh we don't do it that way '' or " oh that was the wrong number '' or " we never even look at those secure messages ''. This needs punitive damages. We can not force them to work with us - the next step is to just stop paying that amount, and then they'll say it's the principal we aren't paying instead of that fee. We want this refunded all the way back to last year with interest. It's been more than 12 months of fighting with this company and we have done everything they have asked us to, times a dozen. The ONLY thing that gets them to respond to us is when we file a CFPB complaint. We have no other choice.
Consumer complaint received 2022-04-16
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. (IL)

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

15 U.SC 1681 Section 604 A. States I have rights 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 2022-04-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMUNITY FINANCIAL SYSTEM, INC. (NY)

I opened a checking account with Community Bank N. A. ( {$50.00} deposit ) about 1 year ago. A month or so after opening I tried to close it because they charge a monthly service fee. They said I could not close the account because I had a balance. So I just let it sit. I decided a month ago to withdraw the {$50.00} I had in the account and went online and had the bank send me a {$50.00} check, which I received and cashed. That is when things send bad. They bounced the check and charges a XXXX $ fee then they began charging XXXX $ a day for my account being behind. This is not fair and I want it stopped and the charges dropped. I an attaching the statements I copied from the bank..
Consumer complaint received 2022-04-16
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. (RI)

In accordance with the fair credit act this account violated my rights XXXX  # XXXX 15 U.S.C section 1681 section 602 states i have the right to privacy also states a consumer and reporting agency can not furnish an account without written instructions.
Consumer complaint received 2022-04-16
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. (RI)

In accordance with the fair credit act this account violated my rights XXXX  # XXXX 15 U.S.C section 1681 section 602 states i have the right to privacy also states a consumer and reporting agency can not furnish an account without written instructions.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I have auto pay set up on ALL my American Express accounts. My auto pay, for example, on the Hilton Honors account is set to a fixed amount of {$50.00} per month, 15 days after statement closing. Per the agreement dated XX/XX/2021 : If I select the " Other Amount '' automatic payment option, American Express will debit my Designated Account for the dollar Amount that I have specified, except as provided herein. 
IF THE OTHER AMOUNT IS LESS THAN THE MINIMUM PAYMENT DUE IN ANY BILLING PERIOD, AMERICAN EXPRESS WILL INCREASE THE DEBITED AMOUNT TO THE MINIMUM PAYMENT DUE FOR THAT BILLING PERIOD. If the Other Amount I have chosen is greater than the New Balance on my American Express Card account, then American Express will debit the New Balance on my account.

There have now been multiple times that American Express did NOT automatically increase the " other Amount '' to the minimum payment due. This results in late fees of {$29.00}. 

In 2021, the same issue occurred over a 5 month period, resulting in a penalty interest rate. American Express at that time argued that the agreement they see states the Other Amount remains fixed. Eventually this issue was resolved and I was told they would investigate the issue why the payment was not increased. 

This month, AMEX again did not automatically adjust the payment as my minimum due was {$58.00}. This results in yet another {$29.00} fee, but the " late '' incident also counts towards their ability to raise interest to the penalty rate. 

They need to fix this deceptive practice. The give an agreement and yet do not follow their pwn policies, charging customer late fees and penalty interest when they should not.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (AL)

I made a purchase from Ashley XXXX on XX/XX/XXXX for some tables for XXXX dollars and I was told that they will only charge me when I pick up the items. On XX/XX/XXXX I picked up the items but when I looked at the Ashley credit card by synchrony bank it showed several pending transactions which I never authorized and the charges were for XXXX dollars and XXXX dollars and XXXX dollars which all were unauthorized charges and have been pending charges since last XXXX XX/XX/XXXX. I called synchrony bank Ashley credit card and I talked to their customer service and I told them that these pending charges should be deleted and they should have been dropped a long time ago but they did NOT fix the issue and now I have several pending charges for things that I NEVER bought and I never authorized. Ashley credit card by synchrony bank should delete all the pending charges on my account because I did NOT buy anything and I never authorized these charges. I am already billed XXXX dollars for the items that I bought and there should be NO other charges at all and NO pending charges at all
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are some accounts that I don't recognized, someone stole my identity and obtained the unwanted negative items reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NV)

When asked of the credit card issuer to provide the debtor a fully executed copy of the terms and conditions or credit agreement indicating the debtor oh, rather the Creditor can arbitrarily cut the debtor 's line of credit limit. Doing so allows them to quickly report the debt as over-limit and immediately throw it into collection. A fast-track collection allows them to bundle hundreds of thousands of these accounts to sell them off to get them off their books. This is exactly what Citibank has done and each time I request a copy of an agreement that I signed with the section highlighted that allows them to do that, they refused to cooperate. this Behavior is known as FRAUD.
Consumer complaint received 2022-04-16
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: SYNCHRONY FINANCIAL (AZ)

Date of transaction : XX/XX/XXXX transaction for {$990.00} purchase made by XXXX XXXX XXXX XXXX XXXX XXXX ( fraudulent charge ) to card ending in XXXX. Bill received XX/XX/XXXX. Contacted Fraud Department. They stated they would check into fraudulent charges and opened new card ending in XXXX. Balance transferred {$1300.00} to new card. Owed {$310.00} of balance on previous card due to legitimate purchases which was paid on XX/XX/XXXX to pay the balance in full. XX/XX/XXXX Received statement with balance of {$990.00} to new card ending in XXXX. Called on XX/XX/XXXX and spoke with XXXX. She stated the fraud was resolved on XX/XX/XXXX. Transferred to XXXX Department and spoke with XXXX who stated to hold off on next payment and that fraud was resolved XX/XX/XXXX. XX/XX/XXXX Received statement for {$1000.00} talked to XXXX in customer service who transferred me to fraud. XXXX stated she was sending to finance team to double check. She could see it was double credited and she is sending it back to the fraud investigation team. Direct phone number provided. XX/XX/XXXX Called for update, spoke to XXXX, stated it would post in next XXXX hours. I chose to cancel my card that day. XX/XX/XXXX Another statement received {$1000.00} due. Talked to XXXX in Fraud Department who stated he would send an email to the investigation team of why the amount was back on the card. He said he would send to investigation team. Call back in one week and it would be cleared. Nobody called back and no supervisors to talk to. XX/XX/XXXX Called again after receiving XXXX emails offering to help me catch up on my delinquent card. She said she could see that the amount carried over in error and fraud XXXX said it was correct and money was owed. She stated she would send email to corporate office and fraud investigation team. Asked for call back and stated that I would go to XXXX  if I had not received a call back by XX/XX/XXXX. No call back received. She stated they dont call back and requested another XXXX hours. XX/XX/XXXX After several calls on XX/XX/XXXX no call back received.
Consumer complaint received 2022-04-16
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. (FL)

In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT NO. 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 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

15 U.S.C. 166B A CREITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.
Consumer complaint received 2022-04-16
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. (FL)

In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT NO. 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 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

15 U.S.C. 166B A CREITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.
Consumer complaint received 2022-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OH)

On XX/XX/XXXX, was notified by Shellpoint interior inspection cancelled. I was told by the inspector on XXXX. I had notified my grandchild tested positive for Covid and I also told my XXXX. I said they could come on XX/XX/XXXX. I guess I'm at fault who knows. 

Also told my XXXX about XXXX from my state has sent over to Shellpoint that I was eligible. Still no response on that subject. 

Now I don't know where I stand on the modification. 

So I get responses when I send a complaint to CFPB.
Consumer complaint received 2022-04-16
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: Chime Financial Inc (OH)

Okay Id like to give you a little more information on the day of XX/XX/2021 my phone and wallet with my cards and ID was stolen out of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OH XXXX United States that had my pin code to my card in my phone notes and it was used at a place called XXXX XXXX for the amount of {$3400.00} I talked to the security team at the mall and they notified me that they did all they could do and they couldnt file a report because they stole it off camera among other things.
Consumer complaint received 2022-04-16
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: EQUIFAX, INC. (NJ)

I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. I'm the person who is writing this letter. Further, I certify that I am permitted by FEDERAL and STATE LAW to file a dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATIONS. The items found within my credit report that I listed are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts
Consumer complaint received 2022-04-16
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 declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. I'm the person who is writing this letter. Further, I certify that I am permitted by FEDERAL and STATE LAW to file a dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATIONS. The items found within my credit report that I listed are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts