davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
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. (NY)

On XX/XX/XXXX I noticed some hard inquiries on my report that are inaccurate and were never authorized by me. I will list them here XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, On XX/XX/XXXX I think the bank ran my credit without my blessing. i know about XXXX however XXXX XXXX XXXX  and XXXX  all made on XX/XX/XXXX is all fraud and i never signed anything giving anyone permission. XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX is also fraud. XX/XX/XXXX the car dealership ran my credit without my authorization XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XX/XX/XXXX was not authorized by me i never signed or applied for anything online. Also XXXX XXXXXXXX XX/XX/XXXX and XXXX XXXX XXXX I don't know anything about that either. Lastly is XXXX XX/XX/XXXX is also inaccurate. I never applied online or in person with this company. I have no business with them.
Consumer complaint received 2021-08-06
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: JPMORGAN CHASE & CO. (MA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

We were scammed for XXXX trying to purchase a puppy. XXXX I received a message asking if I was still interested in the XXXX XXXX XXXX, I said yes and I asked how much and where were they located and asked if this was for real and not a scam. He said it is 100 % real and the website looked completely real. ( XXXX ) ph # XXXX, XXXX Transaction # XXXX We went back and forth XXXX for dog and XXXX for shipping Total {$800.00}, we paid XXXX then would pay XXXX when received the puppy the following day. The next day I received an extensive email from XXXX Stating that in order to ship the puppy we have to pay {$1000.00} 100 % refundable insurance fee to cover the puppy and that when we received the puppy they would refund the money and I called the owner or pretend owner and he said yes this is legit and that he has used this company several times and they can be trusted. I told them all I could do would be by credit card. When I called to pay the person said when they ran my card it wouldnt go thru and that they were having issues with the card scanner and asked if we could XXXX it. I told them I dont have that type of cash and I told the owner that and he told me he would email them and asked if we could do {$400.00} XXXX and XXXX out the rest {$600.00}. So I XXXX them XXXX. 
XXXX Name : XXXX XXXX XXXX Transaction # XXXX After I sent it then they started immediately sending emails asking to send remaining and I kept telling them all I had was a credit card and then they sent a long email in detail how to go about using my credit card and turning it into bitcoins and to pay that way or go get a gift card. Thats when I realized it was a scam and I told them I dont feel comfortable with this and I wont be using theiXXXX XXXX I would like my money back and I never heard back from them. I then contacted the owner and told him and he said that it was basically my fault for doing as they asked and that I had better pay or ask friends to help me and XXXX the money if I wanted to see the puppy. I did call my bank right away they said it went through and there was nothing they could do for me as far as getting anything back and they would file a claim. But I more than likely would not get my money back. I then called XXXX and explained to them and they put in claim as well but could do nothing about the money we lost the most they could do is take them off of XXXX after an investigation. I did call our local police department and filed a report as well # XXXX with officer XXXX XXXX. I had asked this puppy owner at least XXXX about being a scam and explained how we had just put my dog down of 15 yrs few days prior. Each time he promised and trust him and we would receive the dog and gave us the tracking # and airport info and everything. I am very upset and that was a lot of money for nothing to be done at all This is not right and something should be done. Nobody wants to help
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Premier Auto Credit (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MO)

On XX/XX/2021, My wife, XXXX, and I emailed XXXX XXXX at Citizens Bank NA inquiring about their medical professional mortgage program. This began a series of emails in which XXXX indicted that we qualified for this program and that our rate would be between 2.875 and 3.0, given our credit scores, home price, and loan amount. On XX/XX/XXXX, we completed an online loan application with Citizens. On XX/XX/XXXX, XXXX emailed us a few times including an email that offered the opportunity to lock in the rate of 3.0 with .25 points. We asked him to lock that rate in, and he confirmed that he had. We asked for a loan estimate, and he sent us what we believed to be a loan estimate ( but it was in fact a " pre-application cost estimate '' ). On XX/XX/XXXX, as part of our loan shopping process, we realized XXXX had not sent us a loan estimate, so we requested one over the phone. He told us that he could not give us one for at least 7-10 days because we first had to put in a formal loan application ( which we already had, since we had provided the 6 necessary pieces of info ). He said he could not provide us a loan estimate, but he did send us a rate lock agreement. XXXX told us we could not have more than one mortgage application open at a time, and he told us that it was illegal for another lender to " beat '' another lender 's rate. He discouraged the mortgage shopping process. 

We called the Citizens mortgage broker line to dig deeper and spoke with another loan officer. He told us that they intentionally ( and unethically ) don't ask for the address of the home in the application to avoid triggering XXXX ( a loan officer with another lender actually overheard him saying it because he was on the phone with my wife at the time ). While we didn't provide the address in the application ( because there's no place to ), we did provide it on XX/XX/XXXX along with our home purchase agreement. So, our application on XX/XX/XXXX ( or at least XX/XX/XXXX when we provided the address ) included all necessary info and should have triggered XXXX and entitled us to receive a loan estimate. 

We would like to receive the loan estimate that we are legally entitled to receive, including the terms outlined in the Rate Lock Agreement we were provided.
Consumer complaint received 2021-08-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There was a fraudulent charge on my Bank of America credit card ending XXXX in the amount of {$6500.00} at XXXX on XX/XX/XXXX. 

I departed the United States on XX/XX/XXXX, and returned to the country on XX/XX/XXXX. I talked with a fraud claim representative who confirmed there was a new card sent to me in XX/XX/XXXX. I didnt take the old card with me when I left the country, and I never received the new card in my mailbox since I was not even in the country. 

I filed a claim in XX/XX/XXXX and was denied in XX/XX/XXXX. I asked them to reopen the case shortly after it was denied but only got another denial in XX/XX/XXXX. It has been 8 months since this was initially reported, and I'm still paying the minimum monthly payment to keep my account in good standing.
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (MO)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2024-01-31
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. (TX)

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. 

Account Name XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2021-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid XXXX to XXXX XXXX, I didn't know they are based in XXXX. Part of the XXXX XXXX. They have a New York number that routes them to customer service in XXXX. My flight with XXXX XXXX was on the XXXX of XXXX XXXX departing from XXXX XXXX to XXXX arriving at XXXX XXXX. I was going to pick up the car at XXXX. Unfortunately I was moving that day and the movers took too long, i ended up arriving late for my flight and missed it. XXXX XXXX changed my flight for the next evening XX/XX/XXXX. I called economy bookings at ( XXXX ) XXXX, they didn't cancel my reservation after I requested them too since I missed my flight, I wasn't able to pick up my rental car. They actually hung up on me and didn't answer my subsequent phone calls. I then immediately called my credit card Capital One. They initiated a dispute, and weeks passed by I called and requested they add the disputed amount returned to my credit card. Last Monday Capital one charged back {$790.00}, I was infuriated, and at a loss for wards. They are not working with me and forcing me to pay for a rental car I never picked up. I am very unhappy with Capital One. I can't afford to pay this since a rented another rental car from XXXX for {$800.00}. I need help, please help me out.
Consumer complaint received 2021-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

I purchased a dog training package and put a deposit for such course in XXXX. After careful consideration XX/XX/2021, I decided not to proceed with the purchase and requested for my funds to be returned. Within that same week the dog died. Making it that much understandable that I no longer had use for the service. I revoked authorization to charge with the company and requested for funds to be returned. I never heard back from the owner or any of its said employees regarding the matter. I do not have money to give away and it's not fair for the bank not get my money back when I never received a service and revoked authorization to charge. The bank said that there was no error when if fact there was and I reported this as soon as I was able and have tried numerous times to get the money back from these crooks and its not fair that BB & T is the only bank that has this type of policy where it wants the customer to do all of the work when it comes time to dispute a matter. I work hard for my money and I trust them to do as I say with my funds. They do this every time as if they have no concern to even invest the time to help serve us as the client. I have had other complaints where I had to work hard and get the money returned on my own. They are the ONLY bank that does not formally conduct and investigate and even attempt to retrieve funds back when there is a dispute. Lastly the money was a deposit and not a finally payment and was supposed to be returned either way and that never happened there is no signed contract and I want my money back. I will be filing a complaint with the Maryland Attorney General 's office as well. However, I was told by small claims court to start this process first.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-08-06
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. (PA)

I have sent 2 certified letters to XXXX and Transunion regarding unauthorized inquiries on my credit reports These companies listed by them did not have permissible authority to view my credit report since I am a victim of idently theft However they have not removed those inquires
Consumer complaint received 2021-08-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (NJ)

United Collection Bureau purchased an alleged debt with my sons private and personal medical information from XXXX  XXXX. Then the sent a letter to me in the mail stating they are attempting to collect a debt in the amount of {$200.00}. This is identity theft and fraud. They violated many laws including 15 USC 1692a by invading my sons privacy. Someone at United Collection Bureau will be criminally liable for willful and knowing violations under 15 USC 1611.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (IL)

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 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

I'm complaining against my loan servicer Mr. Cooper. I have a conventional loan, the owner is XXXX XXXX and the note holder is Nationstar Mortgage LLC. I have been on a forbearance for the last 8 months and asked for a loan modification. The loan modification provided, which I rejected, did not modify my high interest rate instead they extended my loan to a 40 year from a 30 year reducing my payment only {$200.00} per month. According to the FHFA as of XX/XX/2021 press release " Expands Use of Interest Rate Reduction to Help Borrowers with a COVID-19 Hardship Reduce Their Monthly Mortgage Payment '', Mr. Cooper did not follow the guidelines.
Consumer complaint received 2021-08-06
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. (NY)

To whom it may concern, I was looking at my XXXX XXXX i noticed inaccurate information. I noticed XXXX XXXX  put a late fee on my account on XX/XX/2020. I called XXXX XXXX  on XX/XX/2020 they admitted i was never late. I asked them if they can send me this in a document form they said they couldn't. I just want this late fee removed from all credit reporting agencies as this is inaccurate information and I always paid on time.
Consumer complaint received 2021-08-05
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: Neon Newco Corporation (DE)

XX/XX/XXXX at about XXXX, I had a scary charge that went on my Debit Card from the NetSpend All access Account where I have direct deposit from my employer for the last four or five years approximately.To my fear, I had discovered a charge that was and still is listed for sure as XXXXThis charge was made at the XXXXXXXX XXXX XXXXXXXX.I did attempt to see if there was a ghost account at the company but it did say no purchases were made by myself with my card.I would hypothesize that my card was used there by a members account.This charge had brought my account into the negative and consequently a overdraft charge was charged in addition.I was able to block the card after the ghost charge fortunately but I am uncertain how to officially make a dispute of the transaction after I called NetSpend and was trying to explain my dilemma at this time.I would greatly appreciate any little help I could receive from the Federal Government 's Agency.I, as well as many others definitely appreciate the service if feasible.Thank you XXXX XXXX XXXX Net Spend All Access Card Member
Consumer complaint received 2021-08-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (FL)

I'm using Veterans United to buy a house, they want to know whether I'm still working for my employer ( XXXX XXXX XXXX ). The company has a policy about giving that information, they use XXXX, a contractor, Veterans United don't want to go that route because, according to them, they have specific questions they want answered, it is mostly regarding my being furlough during the pandemic. They are set on talking to XXXX HR, but I explained to them they won't get much information, if any, from XXXX HR because of company rules and policies. I gave them a number to HR and explained what a company representative had told me. XXXX will NOT offer any information over the phone, they will only answer YES or NOT to any question from Veterans United without volunteering any specific answers. That's why the company uses XXXX. So this is holding off my progress with closing the transaction with Veterans United and I'm seriously looking at another lender. I tried the VA to file a complaint, but have been unsuccessful. Every time I email or call to get an update on this issue from my loan agents they are always out of the office for a few days, I will get an auto response to my emails saying so, and every call is answered by a voicemail. In my opinion they are stretching this as much as possible for whatever reason and I find it unacceptable.
Consumer complaint received 2021-08-06
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: EQUIFAX, INC. (FL)

THIS IS MY 3RD ATTEMPT TO FIX THIS PROBLEM WITH THE CRDIT REPORTING AGENCY DISREGARDING MY DISPUTE WITH THIS FALSE COLLECTION THE 3 MAJOR BUREAUS HAS NOT FUFILL MY DEMANDS AND DELETED THIS NON VALIDATED COLLECTION ON MY REPORT THAT HAS BEEN MISPLACED, ,THAT HAS BEEN PLACED ON MY CONSUMER CREDIT REPORT, ON XXXX XXXX I SENT 4 CERTIFIED MAIL DOCUMENTED LETTERS TO THE 3 MAJOR BUREAUS AND WHICH THEY HAVE RECIEVED BUT STILL HAS REFUSED TO ADRRESED THE INAACURATE INFORMATION THEY ARE CONTINUING TO REPORT .THIS COLLECTION HAS BEEN REMOVED AND CLOSED BY ONE OF THE MAJOR BUREAUS ( XXXX ) AND XXXX AND EQUIFAX HAS STILL CONTINUE TO VIOLATE MY RIGHTS BY FURNISHING THIS ACOUNT THAT DOES NOT PERTAIN TO ME..I NEED YOU TO KNOW THAT YOU ARE IN VIOLATION AND CAN BE PENALIZED THIS ACCOUNT WAS CLOSED ON XXXX ..YOU ARE INVADING MY PRIVACY
Consumer complaint received 2024-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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