davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (VA)

I performed threefinancial transactions using an application provided by PNC Bank usingmy checking account ending with x XXXX. Thethreetransactions totalling to {$2400.00} are : {$100.00} dated XX/XX/XXXX {$1200.00} dated XX/XX/XXXX {$1100.00} dated XX/XX/XXXX 2. These payments weretowards rent ( {$1100.00} from From XXXX XXXX to XXXX XXXX, XXXX ) and security deposit ( {$1300.00} ) for renting of property # XXXX, XXXX XXXX XXXX, XXXX, HI XXXX. 3. It turned out that thereceipient did not send the key for theapartment as promised in theemailand contract ( XXXX is theemail used for bank payment and emailcorrespondence was with XXXX XXXX and cell phone : XXXX ). 
4. The transaction did not reach aclosureand it turned out to beafraudulent transaction. 5. XXXX County Policecasereference number:XXXX. FTC Report number:XXXX IC3 FBI Complaint filed on XX/XX/XXXX. 
6. PNC Bank denied my dispute request to flag thetransactions as fraudulent but the PNC Bank denied my requests.

7. I earnestly request you to impress on the bank to reversethetransactions and credit my account with thesethreetransactions foratotal of {$2400.00}.

8. Submitted please. XXXX XXXX
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Hi I deposited a check in my account on XXXX which was mailed to me by some one selling a product on him. 
right after I found that the check was bad and it got returned. 

Then the bank closed my checking account and reported me to checks system as a fraud for the crime someone else committed. I didnt. 
I was actually only the victim Bank of America and checks system have closed my account since XXXX Since that time I tried to open a bank account in other branches of different banks but I was still failed to open a bank account even in a different bank. 
I respectfully want from the esteemed organization to investigate and solve my problem by taking my negative points OFF from the checks system and ask Bank of America for not doing justice with me so Ill can open a bank account in a bank. 

Thanks
Consumer complaint received 2020-06-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NC)

I received no less than 8 phone calls just over the weekend from this company. I work nights and sleep days. I missed 1 credit card payment ( which I will now no longer pay off, due to the harassment ) and I have received HUNDREDS of calls from Synchrony, which is beyond harassment, and many of those calls fall during no-call hours, such as Sunday morning.
Consumer complaint received 2017-01-10
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: 1ST ALLIANCE LENDING, LLC (FL)

1st Alliance Lending, LLC ( a Connecticut Limited Liability Company ) retained my notary closing services for FHA CASE : XXXX on XX/XX/2016, for borrower 's XXXX. 1st. Alliance retained XXXX, and said companies have failed to remit payment for notary closing services. The amount of {$95.00} remains unpaid. 1st Alliance as a regulated lender has a fiduciary duty to ensure their service vendors are compliant in their business practices.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

This is my Seventh times writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) I deman
d a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Current Address : XXXX XXXX XXXX, XXXX, GA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

Delete all other names, any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SS # XXXX
Consumer complaint received 2022-11-05
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)

I am currently reaching out to the CFPB for help regarding an account with XXXX XXXX that hat has caused me severe XXXX, economic and XXXX  problems. In XXXX I spend XXXX dollars with XXXX and paid it back without a problem, in XXXX my business was disrupted because of covid and I was closed down unexpectedly. This caused me to miss 3 monthly payments with XXXX. I reached out to XXXX explaining my problem, and requested a payment plan but was denied that option. In XXXX a member of management from XXXX reached out to me and after learning of my situation, transferred me to a Claims Specialist to further assist.. The specialist went over various options, so I chose the more affordable for me. I am attaching a copy of the agreement with this complaint. I was promised no interest and no late fees, and a report to the credit bureau. After making 3 monthly on-time payments XXXX promised to reinstate my account. 
This agreement has been breached by XXXX. I have gotten charged interest, and late fees, and incorrect information has been submitted to the credit bureau. Thius has caused me a great number of problems, including a decrease in my credit score. I have tried getting this fixed on more than 12 occasions, including 4 with XXXX, but XXXX refuses to correct the information. This company is abusing its power and is breaching its agreement with me. The negligence of XXXX XXXX has caused me the opportunity to qualify for a loan that would have saved my business and home. 
XXXX has shown no mercy and has refused to correct the error. XXXX has automatically deducted the payments from my checking account and refused to report this to the credit bureau. I need help against this monster of a company that has caused me so much pain and suffering.
Consumer complaint received 2020-06-15
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. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2020-06-15
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: Experian Information Solutions Inc. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$3200.00}
Consumer complaint received 2020-06-15
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$3200.00}
Consumer complaint received 2020-04-12
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: Experian Information Solutions Inc. (NJ)

XX/XX/2020 : Sent letter to original creditor asking to verify debt by performing a reasonable investigation. I also requested that they send me an explanation of the investigation method they used to verify my account. 

They sent me back a letter saying they didn't know what I was disputing and to to dispute with the four credit bureaus ( Experian, XXXX, XXXX  and XXXX )
Consumer complaint received 2022-11-05
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. (MS)

Account XXXX XXXX  acct # XXXX IS reporting a late payment and should not be 15 U.S.C 1661 STATES THAT A CREDIT REPORTING AGENCY CAN NOT REPORT AN OPEN END ACCOUNT AS LATE FOR ANY PURPOSE OR ANY REASON. 

Account XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ) acct # XXXX IS reporting Incorrectly. 
-DATE OPENED -LAST REPORTED -DATE LAST ACTIVE All DO NOT match with the other bureaus 15 U.S.C SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish a account without written instructions Account XXXX  acct # XXXX is reporting Inaccurate information. 

-MONTHLY PAYMENT -PAST DUE -LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT ALL ARE INACCURATE and this account should removed. 15 U.S.C 1681 SECTION 602 A states that I have the right to privacy
Consumer complaint received 2020-06-15
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NY)

I requested to dispute a transaction from XXXX using my chase blue sapphire credit card for the amount of {$880.00}. Due to the COVID-19 pandemic, I have to cancel my trip, however, I never received this refund. The hotel confirmed me that they have already refunded XXXX, so, there is no legitimate reason for XXXX to not refund my charges. I requested Chase to dispute this transaction, but the initial investigation from Chase revoked my claim. After I submitted another request, providing all the necessary document/record, demonstrating that I have correctly followed the special cancellation policy that XXXX posted during the Covid-19 pandemic, Chase still rejected the dispute.
Consumer complaint received 2023-03-07
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: TD BANK US HOLDING COMPANY (FL)

This company reported a late payment on my account causing my credit score to drop significantly after I stated previously times my car was stolen and the insurance pay my car in full. The last payment I made was XXXX. My car was stolen XX/XX/XXXX and the insurance approved the claim XX/XX/XXXX. They issued out the payment to td today is now XX/XX/XXXX and td claims they havent received anything and there was two separate checks sent out and I received my check XXXX XXXX2023. And td claims they still havent received anything after the insurance stated they sent it out twice. There was a representative who I feel was very XXXX to me and I feel he or she may have parts into playing with my account causing my account to recieve a late payment to the credit bureau I will be filing a civil lawsuit against them as well
Consumer complaint received 2022-11-05
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. (MS)

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. XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC1681 Section 602 States " I have the right to privacy. 15 USC 1681 Section 604 A, also states " A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Sections states " no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under Title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless -- ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-09
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: HYUNDAI CAPITAL AMERICA (LA)

I reviewed my credit report on XX/XX/XXXX and noticed several unauthorized inquiries as follows : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Kia Motor XX/XX/XXXX XXXX XX/XX/XXXX HYUNDAIMOT - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I never applied for credit with either of these companies.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-28
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXXXX/XX/XXXXXXXX this isn't any influence and this is not a third party. XXXX 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 719XX/XX/XXXXhas me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing meXX/XX/XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

This letter confirms the conversation I had at your XXXX XXXX with XXXX XXXX, Bank Representative on XX/XX/2020 about my request below. 
I am the owner of account # # # # # # #. The account is closed. 
I am disputing the following transaction ( s ) that were charged to my account. 
Date XX/XX/2020 XX/XX/2020 XX/XX/2020 Amount $ XXXX $ XXXX {$1200.00} Merchant Name Chase Bank Chase XXXX XXXX XXXX Ref. # Misc. Debit Debit DDA- Check  Charge Fee DEPOSIT ITEM RETURNED FEE Deposit ATM CHECK DEPOSIT XX/XX/XXXX71 T [ ] I did not make or authorize these transaction ( s ) that appear on my account. 
A check was deposited through the ATM to my account in the amount of {$1200.00} by mistake. Upon discovering the error, I contacted Chase Bank, # # # # # # # # # # # # #, # # # # # # # and XXXX XXXX in an effort to resolve the issue. 

With exception to Chase Bank the consensus XXXX XXXX on behalf of # # # # # # ReCall in the amount of {$1200.00}. 
Chase Bank determined that a Debit DDA Check Charge in the  amount of {$890.00}. Chase has also claimed a check was mailed to my address closing balance of {$890.00}. The account was then closed. I have enclosed the following documents Attached please find the letter I provided to Chase Bank on XX/XX/2020 1 ) The Print Image 2 ) The Invoice Stub 3 ) Unclaimed Property 4 ) Transaction Search 5 ) Chase Liquid Summary 6 ) Transaction History XX/XX/2020 and XX/XX/2020 7 ) Earning Statement. 
I anticipate your immediate attention to this matter and await your determination that and response to this matter and immediately must be returned to Original CO Name # # # # XXXX. 
lists the unauthorized transactions and the transaction in error. 
Please adjust my account information to reflect that I have disputed this transaction ( s ), and remove this item ( s ) from my statement. 
On XX/XX/2020 I requested a recall in the amount of {$1200.00} after discovering I deposited the wrong check in my account. 
Please adjust my account information to reflect that I have disputed these transaction ( s ), and to remove these items from my statement, and send written confirmation that you have done so.
Consumer complaint received 2020-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX credit reports that I applied for a XXXX XXXX XXXX card on XX/XX/XXXX. This activity is fraudulent. I have called XXXX XXXX XXXX hotline and ensured them it was fraudulent activity and they recommended I dispute here. This activity needs to be removed from my XXXX  credit report. 

On XX/XX/XXXX, XXXX reported that I took out a Kohls/Cap One card. This activity is also fraudulent. I have reached out to Kohl 's hotline as well and ensured them it was fraudulent activity. This also needs to be removed from my XXXX credit report.
Consumer complaint received 2020-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (TX)

I have been trying to pay off my mortgage with Chemical Bank ( XXXX MI ) since XX/XX/XXXX. The mortgage servicer did not provide payoff statement, as repeatedly promised during my more than one dozen attempts to get them to send me a payoff statement. They kept sending me encrypted emails linked to their website that directed me to another individual 's phone number for security password, and repeatedly sent me loan transaction statement instead of payoff summary. I made two payments, one on XX/XX/XXXX representing majority of the payoff, which was " misplaced '' for two weeks when I talked to the same rep who I informed of the payoff payment 's coming. No one contacted me back after they committed to have the payoff dept contact me, about 10 times, XXXX minutes later, I still don't have a payoff statement that ties to the correct payment date and interests. I made another payment XX/XX/XXXX after waiting for two weeks with no avail, which they haven't applied still. Fees were added at various amounts for " recording fee '' yet no accounting statement of final interests, fees, and principle with correct dates and interests. I was told only one person from the payoff dept is able to get me a payoff statement yet she absolutely would not talk to me to answer any question. The reason I wanted to close and payoff this mortgage was exactly because during the servicing period since the mortgage started in XXXX, they repeatedly made mistakes, escrow insurance when I had my own coverage, then placed a fee, three years in a row same practice. Such bank is very scary to handle this type of transaction of this size. I have sent a large payoff amount then contacted them the very next morning, how could you " misplaced '' it? I hope other consumers will learn about my experience and do not do business with such a bank