davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Beginning XX/XX/2021, I received strange packages I did not order from XXXX two days in a row. These packages weren't showing on my XXXX orders either. I called both days and they told me the second day it was a " brushing scam '' someone had used my cell phone XXXX to open a XXXX account and to keep the items, they would close that fake account. They sent me emails confirming this was unauthorized activity. I also noticed unauthorized charges on my Bank of America Visa dated/posted XX/XX/2021. 
I called Bank of America Visa XX/XX/2021, they cancelled the card ending in XXXX, issued a new Visa card, and credited these two charges. : {$73.00} on XX/XX/2021 {$97.00} on XX/XX/2021 However, on XX/XX/2021, Bank of America posted one of the fraudulent charges for {$73.00} back on my new visa. I called them immediately to contest this. They said it was confirmed merchandise was sent to my name and address and I received it. I did NOT authorize that purchase and I told them I had emails from XXXX confirming a fraudulent account was opened in my nameXXXX Bank of America  said mail them the emails with a letter to : Bank of AmericaXXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AZ XXXX. I mailed the letter XX/XX/XXXX. I mailed a second letter dated XX/XX/XXXX. I never heard anything back. 

I called Bank of America the end of XXXX. They said they never got the letters or emails and I should go into the bank and have the bank fax the XXXX emails and copies of my letters. 
XX/XX/2021, XXXX XXXX, XXXX, Bank of America in XXXX, CT, faxed all XXXX emails stating an unauthorized party has registered an account with your XXXX  CARD ending in XXXX. To protect your information, we have closed this account and canceled any open orders. They said to wait seven days. 

Today XX/XX/2021, I received a letter dated XX/XX/2021, from Bank of America stating they re-evaluated the dispute but decided to decline the fraud claim for the transaction. They said " the merchant provided documentation confirming I received the merchandise ''. But I did not authorize use of my credit card, this merchandise was not ordered by me, it was an unauthorized fake account. 

My cardmember agreement with Bank of America says I am not responsible for unauthorized charges, but they won't honor the agreement. So I am filing a complaint with the Consumer Financial Protection Bureau for help. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
Consumer complaint received 2023-05-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (AL)

Calling countless times a day from different numbers. Called 6 times on a Saturday between XXXX and XXXX. Now its Sunday morning ( currently XXXX ) and theyve already called twice since XXXX. They also call all through the week, but these weekend calls are ridiculous. This is harassment and needs to cease immediately.
Consumer complaint received 2017-05-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Byrider Franchising, LLC (SC)

I have an open account with a company that I currently have a car with. I make regular bi-weekly payment to this company. They have done a hard inquiry on my credit report.   On  XXXX    XXXX   ,2017  my score declined by  XXXX  points for this unauthorized transaction. I contacted the company and asked them why they did this and they said because they were trying to get a hold of me and that I failed to return a phone call. My account was  ( 1 ) ) day late.They said that they were not going to correct the transaction
Consumer complaint received 2017-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (SC)

Terrible experience with F ed LoanServicing.  I am in the PSLF program. When I submitted my first ECF, my loans were switched from  XXXX  to FedLoan. I received no credit for past qualifying payments for PSLF that were amde while being serviced by  XXXX . I called a few times and finally someone was able to " help '' me.   They said my account files needed to be thoroughly reviewed, and that I would learn of the results of the review  in 12 weeks. It has been more than 12 weeks and no one is able to say anything other than : File is still being reviewed.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX Account # : XXXX XX/XX/2020 showing late 30 days XX/XX/2020 showing late 60 days There is a lot of incorrectly reported information on all 3 credit bureaus and believe that these 2 missed payments are also reporting incorrectly.
Consumer complaint received 2023-05-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NV)

So originally the loan was with XXXX and I have lived at the address for 16 years and now the loan is with Selene financial company showing a balloon payment of XXXX and the balance is XXXX that is not accurate. I have never done a loan on my house I have never taken out money from the house at all. I shouldnt even XXXX I did a credit check with XXXX XXXX XXXX, etc. and its showing things that I have never done on my mortgage theyre trying to foreclose as of XXXX XXXX. I need some assistance if you can please help.
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (CA)

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
XXXX XXXX XXXX - Balance {$8000.00} - Account number XXXX - Date opened XX/XX/XXXX US DEPT. OF EDUCATION - Balance {$14000.00} Account number XXXX - Date opened XX/XX/XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

My chase checking account was closed today XX/XX/XXXXwithout any reason or explanation all my funds where there is almost the end on the month and i have no way to access the money to play for any of mi bill including housing, XXXX XXXX XXXX XXXX im Far away from home with no money at all for food or anything, I called and the says they couldnt say why that i will receive a letter with the explanation and a check will be mailed 7 to 14 days. all i have in that account is a direct deposit from my company is my only bank and i only used it to play my bills.i received the email today and i called them 1 hr later the same day i have no idea what inusual activity they are talking about all i have a a direct deposit and wouldn't even tell me
Consumer complaint received 2023-02-03
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. (NC)

To Whom This May Concern, I have spoken with customer service representatives from XXXX XXXX and i was informed that they did not know why the account was reported as late payments received.This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : Inaccurately reporting Late payments on credit report when all payments were paid on time with XXXX XXXX Account The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 3 years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing this complaint on some unauthorized credit inquiries that I discovered on my credit report, none of the inquiries that I saw was not approved nor authorized by me and it violate my consumer right, In Accordance with the FCRA section 611 this companies violated my consumer right. 


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
Consumer complaint received 2023-05-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (MN)

This is a complaint against Western Union : I made a money transfer to XXXX of {$2000.00} on XX/XX/2023 and was charged a transfer fee of {$170.00}. I made the same kind of transfer on XX/XX/2023 for {$2000.00} to the same recipient and was charged a transfer fee of {$50.00}. My question ( which was not answered by the company when I called to find out ) is why the increase of {$120.00}?
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (WI)

was charged an over draft fee of {$40.00} XXXX mc charge card # XXXX, exp XX/XX/year> XXXX XXXX. sent 4 charge card payments car payment and 2 utilities, bills in at postoffice at the same time, not one was late, were mailed with plenty of time, got late payment notice in mail, made emergency payment on XXXX on XX/XX/XXXX they cashed the check for {$260.00} which must have mysteriously arrived! I ussuly pay the account on line, but this time mailed it in, I haven't been late on a payment in 40 years, this a good way for the charge card companies to raise the already high interest rate and if they do this to a few thousand people, I'm sure the CEO 'S get a huge bonus Sincerely XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

date : XX/XX/23 amount : {$410.00} no actions taken by company company : portfolio recovery associates ( XXXX  XXXX ) action taken by me : filed a dispute multiple times i am unhappy and upset about a collection that was placed on my credit without my consent not only that but i didnt have or dont have a credit card and want this removed immediately! 

1692c. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the ex- press permission of a court of competent juris- diction, a debt collector may not communicate with a consumer in connection with the collec- tion of any debt
Consumer complaint received 2023-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp. (FL)

I do paper work on XXXX XXXX XXXX  new XXXX with price XXXX something, finance guy ask me the option and tell me around more than XXXX dollars a month .I agree after finish i never tell me my final balance in mind my around XXXX ( i am not good on math ), so when i got home have lunch and look at my paper more than XXXX. I call back a fews time, the people operator and reception ask me the reason, they don't transfer keep me on hold and some time lost connection, i have to call XXXX sale man ask finance the day on Sunday XX/XX/XXXX to remove option more than XXXX, i wait for three month later, i call XXXX Toyota to ask just me ballance they wait for dealer, i offer my copies and get denies .I call XXXX to ask him to remind finance to send paper, i would like balance to correct, i call Toyota headquarter not thing happened. i paid my bill start XXXX until now. in contrac my bill XXXX, option remove total XXXX .They know my english is bad that why rid my off.
Consumer complaint received 2017-05-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: PNC Bank N.A. (FL)

PNC Bank  XX/X/2014    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Secured Debit Card {$300.00}   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   Closed account Told, I would get a check in two ( 2 ) weeks in the mail. ( 2 wks. )   XXXX   XXXX   I was told the check would be mailed out in the next billing cycle, ( 3 wks. ) on "   XXXX   XXXX   ''   XXXX   XXXX   I was told the check was mailed Friday,   XXXX   XXXX   by  XXXX . ( 8 wks. )   XXXX   XXXX   Receive Check ( 9 wks. )
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (UT)

I did not receive a 1099 tax form. The company has closed my account so I am unable to login and download it. When I call the phone line the automated system tells me to call the new mortgage servicing company because they have transferred my loan to someone else
Consumer complaint received 2024-04-15
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. (TN)

I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission in violation of the privacy act of 1974 etc. I have not authorized any of these creditors listed to have access to my credit report, and/or score. 

Please remove this information : Addresses:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Employment : XXXX XXXX  These accounts was not made by me. I never gave written consent to furnish on my credit report. : 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
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

An application was submitted for a mortgage modification with XXXX. For the past three months the account has been under review for mortgage assistance. Though there was a point of contact assigned to the case, XXXX XXXX, I did not hear from him until the complaint was filed with the XXXX. Prior to that time, I was calling and leaving voice messages but there was no response from him. I was also leaving messages in the account portal. There was never any clear or concise information about the loan ; just told it was under review. Just a complete runaround experience! Then the application was allegedly denied but then I was told that information was incorrect and that the application was still under review. During this time, my credit was being adversely affected. When I initially inquired about this, I was told that it was at the lenders ' discretion to report the late payments- which didn't make much sense since I was obviously in dire need of mortgage assistance. However, after speaking with the Loss Mitigation Department, I was advised that the adverse reporting would be reversed once the application was approved. It has now been approved and in light of this unsatisfactory application process that prompted a XXXX complaint, I am requesting for the negative reporting to be removed from my credit profile.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (NY)

Dear XXXX XXXX XXXX XXXX, Your Brand Contacted me from XX/XX/year> to Presents Day. Your agency rep called me names for being a openly XXXX individual like XXXX, passive aggressive comments about words like crazy and other comments about me going to XXXX. Why is XXXX XXXX XXXX engaging in meal services that endorse animal abuse shouldn't your focus be salads, adhering to EEO standards and general acceptance with fair housing, I have not seen XXXX XXXX XXXX care about those things and based on the persons interaction with XXXX XXXX and XXXX XXXX spending time to contact me and advertise housing status I hope you seek to correct your involvement with XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-20
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. (NJ)

I am writing to formally dispute an inaccurately report on my credit file. As a responsible consumer, I have always diligently managed my financial obligations, and I firmly believe that this account entry is not valid and should be removed from my credit report. I have thoroughly reviewed my records, and I can confidently state that I have never had any financial dealings or accounts with the aforementioned creditor. The entry appears to be a result of a reporting error, and I urge XXXX and Transunion to investigate this matter promptly. 
I have rights under 15USC 1681. Transunion and XXXX is governed by 15 USC 1681. And they violated my rights numerous of times. I demand this account listed below to be removed because according to 15 USC 1681 : I have the rights to privacy and did not give XXXX and Transunion any written permission to furnish this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX