davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TN)

Banking services or operating as expected. SunTrust, BB & T merger into Now Truist has been a very visible failure. Having been referred to BBT in TX, no SunTrust brick and motor presence, BB & T ( now Truist ) had no banking information as to who we were as long standing SunTrust bankers. 
Long hold times, inoperable banking systems and no assistance after more than a year since the implementation of this merger.
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (SC)

I have had a Paypal account through XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX. I was fraudulenty enrolled in Card Security Debt Cancellation. I signed no Agreement or checked any boxes to give Authorization to enroll. I would have caught this earlier, but I have been coping with a diagnosis of XXXX XXXX with XXXX XXXX since XX/XX/XXXX. I am recieving XXXX XXXX and XXXX. Icalled Card Security several times since XX/XX/XXXX and was givinen excuses and being hung up on. I have a XXXX   Condition gining me aclaim for XXXX not dealing with reality. The doctors form was signed on XX/XX/XXXX.
Consumer complaint received 2018-05-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (CA)

on XX/XX/XXXX i attempted to transfer money from my Chase checking account to my XXXX  XXXX XXXX checking account. I sent the amount if {$1400.00} using my name and my email address. After two days i didn't see the funds hit my account i reached out to Chase asking about my transfer. I was told that the funds went to an account with the last 4 digits i didn't recognize. Chase transferred me to claims and they said they would try to get my funds back but couldn't promise me because it was my fault that i should have paid attention to who i was sending it to. On Thursday XX/XX/XXXX i reached out to Chase and they told me they reached out to the other party and they do not have enough funds so there is nothing they can do. I reached out again on Friday XX/XX/XXXX only to this time find out who the person was. I filed a claim with my local police but Chase is now not giving me any information and saying that its not there fault that i should have checked who i was sending the money to. I expressed to them again that its hard to check when the recipient was myself with my personal email.
Consumer complaint received 2021-02-13
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. (WA)

This complaint involves Chase 's handling of fraudulent credit card charges on a credit card I have with them. 

On XX/XX/XXXX at XXXX XXXX Chase alerted me by text that a payment to a local XXXX store of {$240.00} was declined and asked me to confirm if it was legitimate. As I was at home and asleep this charge was certainly fraudulent, and when I woke up at XXXX I confirmed that the charge was not legitimate by text and had my card shut down. I am the only person in my household and the card was still in my physical possession so I'm guessing my number was stolen from a swipe transaction I had made at a gas station late the previous week. 

A number of other charges at the same store and in the same time period ( the morning of XX/XX/XXXX ) also appeared on my card before I had shut it down and were not declined by Chase. These totaled {$480.00}. I called Chase on the XXXX and pointed out that these other charges from the same circumstances were fraudulent. The representative on the phone said I did not need to file a police report and they would handle the problem. 

Chase investigated and stated that these other transactions from the same store and time were made by me. Shortly afterwards on XX/XX/XXXX I sent an email to Chase 's fraud recovery team disputing this and asking for more information about the charges to aid in filing a complete police report. Though Chase called me to discuss this they provided little to no extra details about the circumstances of these charges. In a letter dated XX/XX/XXXX Chase stated that the charges were valid, again providing no details or reasoning on why these other charges were valid while the first was fraudulent. 
At this point it doesn't seem like I have much recourse to get my money back. I have had this account with Chase for years in good standing and never had a problem with credit card fraud, so to see this handling of the one time I have a problem is very concerning. I have spent a significant amount of time and effort trying to make this right.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NY)

I have deep concerns over fraudulent practices, no accountability, and poor costumer service at XXXX XXXX. Based on my personal experiences, and after several attempts by phone, I am taking the opportunity to notify in a formal manner my frustrations in reference to the unfair experiences that I had been dealing with for the past five ( 5 ) months.
Consumer complaint received 2018-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

A person by the name of XXXX said hed help me get a cheaper plane ticket because he had discounted prices to them. After I sent him {$270.00} for my ticket on XX/XX/18 at XXXX XXXX. He proceeded to book the flight but it did not go through due to a payment issue on his account. I notified him and he said hes try again. 3 days later I got fed up with reminding him to buy my plane ticket again. I told him to send my money back on XX/XX/18 and thats when he blocked me on all social media and my phone number too.
Consumer complaint received 2018-05-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

on XX/XX/2018 we visited the XXXX  dealer in XXXX and we were sold a XXXX   XXXX   XX/XX/2018 the price negotiated was {$27000.00} dollars out the door total, when it was time for the financing the finance manager scammed us and sold us the car for over {$37000.00} a car not worth more then $ XXXX dollars market price as it was listed on the sticker price of it, and the finance manager did not disclosed any of that to us and explained in details what he was doing, instead he kept with his pressure and selling us a 1.9 % rate when he basically defrauded us out of {$10000.00} dollars and took advantage of us as we did not know what we were been scammed, until we gave the paper work to our brother in law who saw all the fraud and went with us to the dealer and confronted the sales manager and crooked finance agent, we rescinded the agreement for legal cause fraud and bad faith high pressure sales tactics and left the car and keys at the dealer, they have continued calling every one and harassing us and other family members despite us telling them that were not going to allow them to defraud us. these sales man at the dealer are a bunch of suit up crooked unethical white collar criminals defrauding citizens with the conspiracy of the nissan motor acceptance corporation.
Consumer complaint received 2018-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KS)

We have attempted to refinance our home mortgage for 4 years. Disputes with Ocwen have led to major credit rating misrepresentations. We have not been successful in refinancing. 
Ocwen offers a loan modification program. As our only alternative, ( WE ARE TRAPPED ), we applied for a modification and it was approved. The modification reduced our monthly payments by approximately {$2500.00} to {$1600.00} per month. The agreement was signed on XX/XX/XXXX and a payment due of {$1600.00} by XX/XX/XXXX. 
The payment was sent by certified check on XX/XX/XXXX. We received XXXX 's & XXXX 's statements for {$1600.00} ( El ) ( E2 ). Using bank auto-pay, checks for the proper amount were direct wired to Ocwen for both months. 
By XX/XX/XXXX, Ocwen 's statement was in-correct and indicated we were behind in payment. Their statement is not correct. We have been current on every payment. In-accurate accounting and extreme lag time built into Ocwens communication systems has created 4 similar disputes over the last 10 years. This is the most current dispute. I am documenting the other 3 disputes for publication within 60 days.
Consumer complaint received 2018-05-14
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. (TX)

I have sent in numerous letters and disputes regarding information that is reporting on my credit file that does not belong to me. I have sent over a copy of my identity theft report and filed previous complaints with the CFPB and the items are still showing on my credit file with Equifax, all other credit agencies have deleted the accounts listed fraudulently due to identity theft but each time i speak to representatives at Equifax nothing is being done. I have been hung up on and advised the dispute takes 30 days and have been waiting 45 + days to get results. Just recently i contacted equifax regarding disputes that were finalizing on XX/XX/XXXX and XX/XX/XXXX and nothing was blocked or removed. The creditor XXXX XXXX is still listed although i sent in a letter FROM THE CREDITOR that clearly stated the account was to be deleted. When i informed the representative of this he stated that it would have to be reopened to investigate it again. So i am expected to wait another 30 days after i just waited 30 days for this company to re investigate something that should have been done properly the first time. That is unacceptable. I also asked about the other items listed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX, i was informed that all items were still listed on my report. I have advised that i have no knowledge of these companies and that i AM A VICTIM OF IDENTITY THEFT. These items should have been REMOVED/ OR BLOCKED FROM MY REPORT PER FTC GUIDELINES. this process has not been followed and the unprofessional reps that are there to assist have no clue what is going on. This has created emotional and mental hardship and the next stage of this process if not resolved will be to file a civil suit regarding the inaccurate reporting and violation of my consumer rights.
Consumer complaint received 2022-07-24
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. (FL)

TransUnion XXXX and XXXX keep reporting I have late payments on a XXXX account with the account number XXXX the late payments are XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 I have never been late the account balance on the account is incorrect please update balance to account paid in full please remove all late payments from this account with XXXX TransUnion and XXXX I was never late
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (MT)

I attempted to make a payment on my mortgage on or around XX/XX/2019. Due to PennyMac 's website being down I was unable to do so. I attempted to call in but the wait times of 20 minutes+ precluded me being able to do so. In XXXX I again attempted to call and spent over 4 hours on the phone attempting to get this corrected. I was told at that time that it would be corrected on my credit report because of the poor customer service I got from PennyMac. I have now called three more times to follow up on this as it is still reflected on my report as late. Each time I called I was assured it would be handled and nothing further would be needed from me. There is not direct line to call at PennyMac ; when I ask for someone I am told " it is all done on the backend. '' Whatever that means remains a mystery. I have never been late on my mortgage. Being unable to speak to anyone about this is most frustrating. I have a VA loan and PennyMac like to brag about how many veterans they service. This is one vet that will call XXXX on that. It's time big companies are held responsible and they hold themselves more accountable. Clearly, this experience has shown me that PennyMac simply does not care about veteran 's, only the money their loans generate.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX  opened up account FRAUDULENTLY IN MY NAME. XXXX  XXXX XXXX  needs to REMOVE ALL inquiries and balance FROM ALL THREE credit reports : TransUnion, XXXX and XXXX.
Consumer complaint received 2024-02-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (PA)

On XX/XX/XXXX, I spoke with XXXX XXXX XXXX XXXX XXXX XXXX who is seeking to collect {$36000.00} for an apartment rental I never rented. They said they will send me a fraud packet and they have, though I still am putting together some of the necessary documentation to send back to them. 

On, XX/XX/XXXX I spoke with XXXX XXXX XXXX after they mailed a letter on XX/XX/XXXX asking about a collection of {$16000.00} that is associated with a creditor ( XXXX ( PA ) ) that I have never heard of before and never authorized any kind of account or expenditure through. I have requested a fraud packet from them but have yet to receive it. 

In XXXX of XXXX, I initiated a dispute with XXXX over a charge for a service I don't have an account or service for. That is still on my credit report for some reason, though no documentation was ever provided to do more than report it.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act, 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  ] has violated my rights. I've disputed these accounts highlighting the inaccurate and incomplete information reporting, and these companies continue to violate my rights. please help me solve these issues. 

Thanks
Consumer complaint received 2020-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NY)

Pen Credit is attempting to collect a debt that does not belong to me and i have disputed this debt with this company for over 6 months. They have not investigated my dispute properly and my credit report is being damaged. Once I discovered the account on my credit report i reached out with a dispute letter to the collection agency.
Consumer complaint received 2021-06-02
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. (FL)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This made a negative impact on me, especially when using credit transactions and so, I want this to be taken care of.
Consumer complaint received 2020-02-03
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)

For years I wondered about my credit score never being consistent. I never in a million years would of thought that someone else was using my social security number and name to open up big accounts. I decided to get my credit pulled and there was SO MANY ACCOUNTS OPEN under my name that I have never in my life seen before. It is a real upsetting situation and it insane the amount of accounts that had been open or are open. Please remove these accounts from my credit report as soon as possible. 

XXXX XXXX/XXXX  XXXX {$270.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$4000.00} XXXX/XXXX  XXXX {$670.00} XXXX/XXXX  XXXX {$290.00} XXXX/XXXX  XXXX {$550.00} XXXX 'S XXXX {$900.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX {$22000.00} XXXX/XXXX  XXXX {$670.00} XXXX  XXXX {$6400.00} XXXX  XXXX {$4000.00} XXXX XXXX   XXXX {$0.00} XXXX XXXX {$2000.00} XXXX  XXXX {$4000.00} XXXX  XXXX {$4000.00} XXXX  XXXX {$4000.00} XXXX   XXXX {$870.00} XXXX  XXXX {$2600.00} XXXX XXXX {$2500.00} XXXX  XXXX {$120.00} XXXX  XXXX {$2000.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$890.00} XXXX  XXXX {$870.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$2000.00} XXXX   XXXX {$3500.00} XXXX/XXXX XXXX {$720000.00} XXXX  XXXX {$14000.00} XXXX  XXXX {$5800.00} XXXX  XXXX {$5300.00} XXXX XXXX {$12000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$2000.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$560.00}
Consumer complaint received 2020-02-03
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. (GA)

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them.
Consumer complaint received 2022-06-18
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. (VT)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2018-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I purchased ( 2 ) tickets from XXXX to XXXX XXXX for {$330.00} at XXXX XXXX XXXX on XX/XX/XXXX. I thought the price was high since when I printed the tickets the " Full Price '' was {$78.00} each. 
At the concert we did not have seats! The General Manager told us had purchased " Scalped : tickets and she could have us escorted from the concert. But she got us folding chairs and we stayed. The GM pointed out that reselling these ticket is in violation of FL Statute 817.36 and tickets my not be resold for more than {$1.00} more over face value. Contact VISA and ask for a refund. The name on the tickets is " XXXX '', not XXXX. 
I contact Bank of America VISA and onXX/XX/XXXX I was refunded {$150.00}. I thought the case was closed until XXXX charged me {$150.00} on XX/XX/XXXX saying " you paid for the tickets, too bad for you ( XXXX ). 
XXXX  knows that XXXX violated the law ( FL 817.36 ) and is not protecting me from scalpers, etc. 
I filed a complaint with the Attornet General of FL XXXX XXXX, and she directed me to your site to file a complaint.
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NC)

I applied for Marriott Rewards card through Chase on XX/XX/XXXX. I was denied on XX/XX/XXXX. The reason was that I had too many cards opened in the last 2 years.No quantitative information to define a maximum is provided. My FICO is over 800. I have never been late on my payments. My debt loan is minimal compared to my income. The simple matter is Chase is being punitive and denying rewards cards to customers who do not carry a debt. This does not appear to be fair credit lending.
Consumer complaint received 2022-07-24
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. (TX)

In accordance with the Fair Credit act XXXX XXXX XXXX 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. Its also states a consumer reporting agency can not furnish a account without my written instructions. 

I also have a police report on file. I was a victim of fraud and I identity theft. I would like these false addresses and accounts removed from my credit report immediately thank you. 
ALL accounts dates XX/XX/2015 XXXX. I sent in police report several times complaining and no action was taken not my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S DEPT ED 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