davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX, while I was working at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , I received an alert about a series of identical fraudulent charges made in XXXX by XXXX on my credit card ending XXXX. Each charge was I believe of approximately {$230.00} and was accompanied by a foreign currency fee of {$7.00}. I called the bank from the XXXX, and told the bank the charges were fraudulent and Bank of America cancelled the card, and issued a new card ending XXXX, which they posted to my home address in XXXX XXXXXXXX XXXX 

I was sent a claims letter through the XXXX Bank of America messaging system stating the matter was resolved as the charges had not posted to the account. 

The charges were posted to the new card ending XXXX on XX/XX/XXXX. I called the bank again on multiple occasions, and upon my return home I visited Bank of America at their XXXX XXXXXXXX XXXX branch during the week ending Friday XXXX XXXX. I reported the issue to the staff at the bank and I was told the charges made in XXXX were from a legitimate client. I made it very clear that I did not make or authorize the charges, and that they are fraudulent, and I will not pay them. The new card was in my mailbox upon my return home, and remains in a sealed envelope. I have not used it, and I have locked it until this issue is resolved. I did not know the full number of this card. 

The staff at Bank of America then requested evidence that I had not been in XXXX by photocopying my passport ( there is not entry or exit stamp for XXXX ), requesting in addition a written notification from XXXX XXXX that I had been in XXXX from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, as well as copies of my hotel and XXXX XXXX apartment rental fees for the same period. All these documents were submitted to the bank as requested. 

To date, the fraudulent charges remain on my account, and I wish to report to you that Bank of America has failed to take this matter seriously, wasted hours of my time, and keeps sending me reminders that my payments on this credit card are late, and is now charging me interest on the fraudulent charges. 

Bank of America is supposed to have resolved this matter in ten days. It is not resolved after almost three months. 

Please contact Bank of America and request they contact me and resolve this issue immediately. 

Thank you, XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2021 I applied for a secured line of credit with XXXX XXXX XXXX put down a limit of XXXX dollars for 15 months I paid my card on time and accordingly. Unfortunately due to a string of tragic events I was unable to keep up with secured card balance. The institution XXXX XXXX then went on to place my account with months of late payments following a result of my account being labeled Charge- Off. I am aware the IRS clearly defines a Charge- Off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
Consumer complaint received 2023-08-03
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)

inaccurate information [ Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION ] Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1134 As per [ Title 15 U.S. Code 1681n - Civil Liability for willful noncompliance ] Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1134 As per [ Title 15 U.S. Code 1681o - Civil Liability Civil Liability for negligent noncompliance ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 874 As per [ Title 15 U.S. Code 1692- Congressional findings and declaration of purpose ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 876 As per [ Title 15 U.S. Code 1692c - Communication in connection with debt collection ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 As per [ Title 15 U.S. Code 1692d - Harassment or abuse ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 As per [ Title 15 U.S. Code 1692e - False or misleading representations ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 879 As per [ Title 15 U.S. Code 1692g - DEBT COLLECTION PRACTICES ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880 As per [ Title 15 U.S. Code 1692j - Furnishing certain deceptive forms ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 881 As per [ Title 15 U.S. Code 1692k - Civil Liability ]
Consumer complaint received 2024-01-22
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

I were charges a " security fee '' i was unaware that this was on my accounts. I wanted a refund on this and i was told i paid in over XXXX XXXX and they said they would only give a refund of XXXX on one card and XXXX on the other. This was something that i was unaware that i had i was under the impression it was an interest fee this was NOT something that i wanted and i want the money returned. It was in the agreement buried that was auto clicked that apparently would need to deselect. This fee then accumulated interest that made it so my balance never went down casing hi credit utilization that was almost impossible to get down making it reflect poorly on my credit score/loan applications. This is a very shady and predatory. They state that they will call back no calls back. I am writing this complain to hopefully get this resolved prior to my appt. with an attorney.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

In XX/XX/XXXX XXXX Credit Acceptance and I negotiated an verbal contract to settle in full to my auto loan in the amount of XXXXCredit Acceptance had giving me a time frame to release the funds no later then XXXX XXXX XXXX XXXX.Credit Acceptance received the amount in full as agreed on XX/XX/, which the account should have been closed and as in good faith standing. then I went to two different auto dealers to get an auto loan and both dealership informed me that no lender accept me for an auto loan, due to Credit Acceptance reported on my credit reported Negative and derogatory remarks which includes an I9 ( charge off, repo ), and the I4 rating ( late payments ). My account was settled in full and not a charge off./repo.
Consumer complaint received 2024-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO. (TX)

Dear Sir and Madam, I have been requesting to cancel the XXXX paperwork from Chase Bank. They made it difficult to obtain the paperwork and ask about the process. No forms are available online, and the only information given to obtain is PDF, call number, or mail. I want this behavior to be taken as fraud and scamming homeowners to prevent them from canceling the XXXX earlier than time. I would like to have my XXXX refund since XX/XX/year> because they avoided sending me paper.
Consumer complaint received 2024-08-26
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. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX  AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2023-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (VA)

I keep getting calls from a XXXX number who calls themselves XXXX. I was accused of a debt owed and legal action that would be taken out against me. 
I requested information about the alleged debt, and was denied. 
I requested information about the company and what XXXX stood for and was denied. 

Rep Threatened to continue to call and harass when I asked for them to remove my name and number from the call list person responded " too bad Im going to continue to call '' Rep Threatened to take negative or legal action, person said legal papers will be filed
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

after fully going over my costumer report I find that I still have accounts that's been actually deleted still reporting. some accounts have been put back on report after being deleted. I would like for y'all to fully ivestigate to have these accounts removed as soon as possible. most of these accounts are reporting inaccurate information also. dates balances. accounts are showing deleted off one credit bureau and not the others Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-07
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. (IN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-01
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. (TN)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TN)

On XX/XX/2022 XXXXXXXX XXXX filed a civil case against me at the XXXX XXXX XXXX house for false damages and false back rent owed to them. We went to court, and it was reset for XX/XX/2022. Prior to going to court the plaintiffs lawyer, XXXX XXXX of XXXX TN contacted me via email stating they wanted to dismiss all money owed and dismiss the court case. I agreed and he went to the court house and the documents were signed. I have proof of the documents that they chose to cancel the court proceedings. In the court documents it states releasing the defendants from any monetary damages and whereby any cost taxed to the plaintiff. Since then, I havent received any mail, or emails pertaining to a debt collection of money owed to them, but even though the judge came to a judgement of no debt owed and both parties agreed, XXXX XXXX in XXXX TN which is owned by XXXX XXXX and their affiliate company XXXX XXXX XXXX, has turned the false debt over to a collections agency, Rent Recovery Solutions in XXXX Georgia, and it has been put on my credit, dropping it roughly 50 points, I have contacted them numerous times and they continue to act like animals and treat people like animals who try to dispute the issues. These are false charges and I would like to get this corrected.
Consumer complaint received 2023-03-08
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-01-12
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. (FL)

Please Review these Accounts that is on my credit, these Accounts are inaccurate I did not give any Authorizations on these Account. I'm a victim of Identity Theft I would Like this situation to be Resolved.. 
Thank you
Consumer complaint received 2020-12-29
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: TCF NATIONAL BANK (NY)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, CHEMICAL BANK - XXXX and XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authori zation Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-12
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 — Their investigation did not fix an error on your report
Company: Commonwealth Financial Systems, Inc. (TX)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX  XXXX  XXXX  and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-10-30
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: EQUIFAX, INC. (FL)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. Also, 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. 

1 ) Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ) Opened : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX ( ACCOUNTS HAS VIOLATED MY RIGHTS ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-30
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: EQUIFAX, INC. (FL)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. Also, 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. 

1 ) Inquiry : XX/XX/XXXX AN XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX AN XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX ) XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX  BANK XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ) Opened : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX. XXXX, XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX  M XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX ( ACCOUNTS HAS VIOLATED MY RIGHTS ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I was just looking at my credit report and found some errors relating to my payment history on some accounts. My mortgage with XXXX XXXX, is not reporting on my credit report. 
I would like for my mortgage to report to credit report.