davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Good day and a happy XXXX holiday to all of you ... 
I am being defrauded by my bank-Bank of America via a direct deposited check paid monthly by one of my renters-directly to me. He lives in XXXX, XXXX and uses the XXXX in XXXX. My B of A banks are down here in the XXXX XXXX XXXX. They have cheated me before. But this time, on XXXX XXXX, the XXXX had sent an electronic check to the B of A and it was endorsed and stamped as received and a copy sent back to said bank and to my renter. I never saw that money. I got into it with B of A reps. yesterday and they promised to credit said amount that apparently went through their " bill pay '' system and they did n't know what happened thereafter? That evening the amount of {$500.00} was credited to my account. And here we are a day or two later and the money has disappeared once again from my account. B of A is trying to cheat me out of money they received/took/deposited somewhere and credited to the other bank? 
Please help as this is totally overwhelming and my account can not handle this missing rent check. Same said property needs a well repaired & I can not do it without said money. The renter is elderly and can not understand what is going on? 
many thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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)

*The Correct and Only Spelling Of My Name Is XXXX XXXX XXXX Following Addresses Do Not Belong To Me I Need It Removed Immediately 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  These Inquiries Are Fraudulent and Also Need To Be Investigated & Removed From 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 XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX XXXX has Violated my rights.

15 U.S.C 1681 section 602A. States I have the right to Privacy 15U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions or consent.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (NC)

I submitted an online application via Navy Federal Credit Union website for a checking and savings account on XX/XX/2020. I was approved and given account information online after submitting application and a deposit of XXXX into checking account via debit transaction. On XX/XX/2020 I received NFCU debit card via mail. Once trying to activate via telephone I was advised to speak with a representative. A representative stated I needed to speak with someone in Fraud dept. After waiting for approx 35 minute to speak with someone in that department a representative stated that " I committed fraud on the account ''. I stated what was the problem she stated it had something to do with consumer credit report. After asking several questions about trying to resolve and if I could submit any additional information to get this resolved she stated '' NO '' and I could never open an account with NFCU. Also asked if I would get a letter stating reasoning for this decision also stated " NO ''. Refund of monies deposited into checking account have to be disputed by the bank I submitted debit transaction per representative.
Consumer complaint received 2022-05-13
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX  Account # 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 2020-12-21
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: JPMORGAN CHASE & CO. (CA)

To whom it may concern, I am a victim of a financial crime by XXXX XXXX XXXX. 

I was an intern for XXXX XXXX XXXX and he manipulated me and scammed me into starting a business. After registering the business and opening a business account, he maxed out the business credit card and left me with the debt. 
His intention was never to be involved in the business but to defraud me and gain access to the credit card. The unauthorize transactions was not business related and was used for personal reason such as a diamond ring, using the credit card to cover for his other debts, and giving it to his family members to use. 
This incident occurred between XX/XX/XXXX to XX/XX/XXXX. 

By the time I found out, I later was informed that XXXX XXXX XXXX was arrested for financial crimes filed against him by other victims. I learned that I am one of the many victims that are filing a report against this criminal as well. 

I went to Chase Bank to address my concerns for the charges and a representative filed a claim on my behalf. 

A month later, I saw the charges were dropped from my business account. 
I called Chase Credit Card Services to confirm and spoke to two representatives that said that I had a negative balance and that my claim was approved. 
A month and a half later, I was rebilled around mid XX/XX/XXXX. 

I am now dealing with the Bank regarding all of XXXX XXXX XXXX charges and they are not able to help me even though I followed all instructions given to provide additional documents regarding XXXX XXXX XXXX case as well as the detectives contact information to verify the documents and information. 

Although I have followed all instructions, my case was denied. 

A detective on his case reached out to Chase recently in XX/XX/XXXX via email but have not heard anything since then. 

Attached are articles of his case and the reports of all of the charges with dates under XXXX XXXX XXXX along with a photo of the Credit Card that he used. 
XXXX XXXX XXXX unauthorized fraudulent charges are in the sum amount of {$41000.00} ( Attach are his unauthorized charges and you will also see a " XXXX '' charged demonstrating he is pretending to be a " escrow '' company scamming other people with that email. 

His booking number is also attached to this report as he was held custody for Security Fraud and Fraudulent activities. 

I have filed a claim with Chase bank, and they have denied my claim each time this year from XX/XX/XXXX until now XX/XX/XXXX. 

Please help with this case as I am under severe financial stress as XXXX XXXX XXXX has left a huge debt under my company credit card and have not faced any consequences regarding his actions Thank you for your time and your help.
Consumer complaint received 2018-04-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

Our names areXXXX and XXXX XXXX. We have a home equity loan with PNC Bank for the property of XXXX XXXX XXXX XXXX  NJ XXXX, loan number XXXX. On XX/XX/XXXX, we received a letter that the payment system of payment coupons changed to statements and we were supposed to receive a new account with a payment due date of the XXXX  of each month. We would pay during the first few days of the month, but the new system is not allowing us to pay until exactly the XXXX of the month. OnXX/XX/XXXX and onXX/XX/XXXX, we sent our payments, but they were considered as principal payments instead of payment for the month. Therefore, on the XXXX of the last two months we received a call from PNC saying that we did not make the payments and we were delayed.
Consumer complaint received 2022-05-13
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: Afterpay US Services, LLC (KY)

Afterpay, a company that provides people the opportunity to make several payments for a purchase, has made several unauthorized charges on my credit card. Afterpay has no number to call for customer service. It does show online that complaints can be submitted online I have submitted my complaint several times, but have never received a response. I would like to know the identity of the person or persons who used my card without my authorization. I would like to know the identity of the goods I have been charged for, and the address to which the goods were shipped.
Consumer complaint received 2020-12-21
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. (NV)

Experian is reporting account number and opened date wrong in this account XXXX XXXX XXXX XXXX XXXX XXXX Please correct this information or remove the account from my credit report.
Consumer complaint received 2022-05-13
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. (MS)

I did not consent to, authorize, nor benefit from the following inquiries. Block and remove them. 
XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX
Consumer complaint received 2022-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

Copy of transcript from XXXX XXXX, the identity theft protection service to which I subscribe : Hello XXXX, Attached is our XXXX XXXX XXXX XXXX, which is being sent to you regarding the unrecognized alert for SEQUIUM ( xxxxxx XXXX ) collection XX/XX/2022 ( XXXX ), SEQUIUM ASSET SOLUTI ( XXXX XXXX ) collection XX/XX/2022 ( XXXX ), XXXX XXXX ( xxxxxx XXXX ) collection XX/XX/2022 ( XXXX ). Be sure to login to your XXXX XXXXXXXX account at www.idwatchdog.com to review your recent 3-Bureau credit report before completing the kit. 

Please specify these on your police report, FTC report, and identity theft details page. 

Before completing the attached kit, you will need to contact the collection agency directly ( SEQUIUM XXXX, XXXX XXXX XXXXXXXX ) for specific account information, such as who the original creditor is. After speaking with them, if you still do not recognize the account or the original creditor our Identity Theft Resolution Kit may be completed for resolution assistance. 

Email the completed XXXX XXXXXXXX XXXXXXXX XXXX to begin the resolution process. Reply to this secure encrypted email when your documents are complete. If you have any questions or are not able to send your documents electronically, please call me directly at XXXX. 

Sincerely, XXXX XXXX -- XXXXXXXX XXXX XXXX XXXX. Guaranteed. 
XXXX XXXX  XXXX XXXX XXXX - XXXX, Colorado XXXX T : XXXX Fax : XXXX XXXX XXXX
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC. (NC)

I just moved to the XXXX, North Carolina area and was taken out to a bar called XXXX XXXX XXXX on XX/XX/XXXX where I used my debit card ( as a credit card ) for a transaction in the amount of {$7.00} for a drink. 

After leaving XXXX XXXX XXXX I later started to see transactions coming from my account on XX/XX/XXXX and XXXX for somewhere called XXXX XXXX XXXXXXXX in the amounts of {$100.00} and {$120.00} on XX/XX/XXXX and then another {$100.00} charge on XX/XX/XXXX at the same place. 

As soon as I notice the first charge I reached out to my bank, Robinhood, reported my card stolen and disputed the charges. They immediately cancelled my card and issued me a new one and issued a credit for three {$1.00} authorization charges from XXXX XXXX XXXX but not the actual charges. After much back and forth with their dispute department I was told that these charges were legitimate for the following reasons : - My pin number was used ( which is impossible because bars do not take patrons pin numbers ) - Based on my XXXX location I was in the area ( which is true because I just moved to XXXX and live in the metropolitan area within two miles of a large number of bars in the area ) I have still never been to XXXX XXXX XXXXXXXX but did reach out to the company to try and get their help after Robinhood sent my case to escalations ( where it still is allegedly ). The owner of the bar told me that their system did charge their customers multiple times around the time that this happened and that if the charges were no longer pending they could not help me and I would have to reach out to my bank. 

I have attempted to contact Robinhood multiple times and have repeatedly been told that their dispute department would contact me. I have been waiting for a week now for a callback that I was told I would receive this week.
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TX)

In multiple instances over the past months, I've contacted " The Money Source '' about our existing mortgage, in regards to removing PMI or Private Mortgage Insurance. 

Given the values, and appraisals rising on comparable home sales, I would like to see my PMI removed from the loan, since we will be below 80 % LTV now, with our outstanding balance being below XXXX XXXX 

They told me that once I paid an evaluation/appraisal fee of XXXX dollars, they would do their work to ensure the property reaches the threshold needed ( {$270.00}, xxx ) given our remaining balance, to reach 80 % Loan to Value. These fund have been paid for this purpose by myself and my wife. 

I've been told on several occasions that the work has been completed and the PMI is in process of removing. Since those instances, I was contacted and told that they are awaiting me to give further documentation of " upgrades to the property '', ( which is not needed, and they've also given contradictory stories on this ). This may be something THEY would like to see, but is not required. 
After speaking with someone in a supervisory role, they said that they do not work in the department that sends out the appraiser/evaluator that does the valuation, but that they would contact me to schedule this. I have not yet been contacted for this purpose, or at all. 

I feel like I am getting passed around and getting the 'run-around '. 

Once a consumer request removal and the loan reaches 80 % Loan to Value, it must be removed per RESPA/various other acts.
Consumer complaint received 2022-05-13
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. (NC)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX XXXXnquiry dateXXXX XXXX XXXX  Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX
Consumer complaint received 2020-11-10
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. (NY)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-26
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY (UT)

Multiple wrong # phone calls made with an auto dialer from TD Auto Finance, no tcpa consent given. Efforts made to answer calls with no one on the line, and contact made and advised that wrong # and do not contact request given, continued calls the same day and the following day. 

Date Time Note XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX   Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX   Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Answered to advise Do Not Contact, no one on the line for several seconds then they disconnected the call.

XX/XX/XXXX XXXX XXXX Answered spoke with a female who asked for XXXX XXXX or XXXX?, advised that they have the wrong #, not to contact this phone # again that this is a place of employment, agent said have a great day and disconnected the call.

XX/XX/XXXX XXXX XXXX   Called again the same day despite previous Do Not Contact request, answered to advise of this, but no one on the phone for several seconds and then they disconnected the call again.

XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail XX/XX/XXXX XXXX XXXX Missed Call-No Voicemail
Consumer complaint received 2022-10-19
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)

I previously disputed this public record with TransUnion I dont recognize this public record listed below, I have requested TransUnion provide me proof from the court and mail me the results of their investigation, TransUnion has failed to do so. TRANSUNION CONTINUES TO VIOLATE MY RIGHTS UNDER THE FCRA 623 ( a ) ( 1 ) ( A ), WHICH CLEARLY STATES THE CREDIT REPORTING AGENCIES HAVE A LEGAL OBLIGATION TO ENSURE THE ACCURACY OF INFORMATION THEY FURNISH, TRANSUNION HAS CLEARLY FAILED TO DO SO. I HAVE ALSO PROVIDED PFOOF FROM THE COURT THAT THE INFORMATION TRANSUNION IS REPORTING ON MY CRDDIT FILE IS INACCURATE, HOWEVER TRANSUNION CONTINUES TO VIOLATE MY RIGHTS AND NOT INVESTIGATE THIS MATTER. TRANSUNION CONTINUES TO SEND COMPUTER GENERATED RESPONSES EVERY TIME WITHOUT PROVIDING ANY PROOF THIS ACCOUNT BELONGS TO ME. I HAVE ATTACHED EVIDENCE THAT TRANSUNION IS IN VIOLATION OF THE FCRA, AND HAS FALSIFIED INFORMATION TO THE CFPB AND MYSELF. NOW IS NOT 5HE TIME TO UPDATE, I DEMAND THE FOLLOWING ACCOUNT BE REMOVED IMMEDIATELY : XXXX BANKRUPTCY/DOCKET NUMBER XXXX.
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (OH)

I have a Credit card still being reported to my CBR, according to Ohio law this should be removed from my CBR after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2002, I am requesting this be removed from my credit report.
Consumer complaint received 2021-11-08
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. (CA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.