davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MD)

I am a XXXX XXXX XXXXXXXX Veteran asking for assistance to clear my name and credit report. Two ( 2 ) fraudulent charges were attempted on my Apple Card. One charge went through for {$1900.00} for a XXXX '' XXXX XXXX XXXX XXXX XXXX purchase at the XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX, XXXX, PA XXXX ), ( XXXX ). 

I contacted Apple on XX/XX/XXXX, and filed Dispute XXXX on a fraudulent charge of {$1900.00}, for a XXXX '' XXXX XXXX - XXXX XXXX. I have never been to XXXX, PA nor have I ever purchased a XXXX XXXX. 

I disputed this with Apple, Dispute Case # XXXX and they have continue to rebill the {$1900.00}. I decided to close the Account from which I had a {$27000.00} credit limit with Apple Goldman & Sachs. They currently have reported my account as two months late, and in-spite of attempts to have them correct this, they refuse to clear this matter. 

I filed a Dispute with XXXX and they have the Account as Closed with {$160.00} past due. 

Card Number Used : XXXX XXXX XXXX XXXX XX/XX/XXXX ( Which is now Closed ).
Consumer complaint received 2021-12-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENOVA INTERNATIONAL, INC. (VA)

A rule by the Office of the Comptroller of the Currency ( OCC ), the regulator of the nations largest banks, effective last XXXX protects these predatory lending rent-a-bank schemes and overturn centuries of caselaw allowing courts to look beyond ruses to the truth. In Virginia, The measure caps the interest and fees that may be charged under a short-term loan at an annual rate of 36 percent, plus a maintenance fee ; increases the maximum amount of such loans from {$500.00} to {$2500.00} ; and sets the duration of such loans at a minimum of four months, subject to exceptions, and a maximum of 24 months. Short-term loan licensees are required to make a reasonable attempt to verify a borrower 's income and may not collect fees and charges that exceed 50 percent of the original loan amount if such amount is equal to or less than {$1500.00} and 60 percent of the original loan amount if such amount is greater than {$1500.00}. The measure amends the requirements for motor vehicle title loans, including requiring licensed lenders to use a database to determine a prospective borrower 's eligibility for a loan and prohibiting loans to a borrower who has an outstanding short-term loan. The measure sets a 36-percent annual interest rate cap on open-end credit plans and allows a {$50.00} annual participation fee. A violation of these provisions is made a prohibited practice under the Virginia Consumer Protection Act. I would like Netcredit removed from my credit report for violating the Virginia Consumer Protection Act.
Consumer complaint received 2021-04-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

Rushmore Loan Management Services in conjunction with XXXX XXXX offered a streamlined refinance of my mortgage. I was told the process was easy and that there was no out-of-pocket cost to me as a consumer and that no money was needed at closing. Rushmore since that closed refinance back in XX/XX/XXXX has informed me as of XX/XX/XXXX that they made a mistake in calculating what was actually needed when the refinance was processed and due to their error in aligning properly with XXXX XXXX and that an amount of XXXX was short. Rushmore took no accountability for this issue and even stated they know this issue happens from my conversation with XXXX from their customer service area on XX/XX/XXXX.
Consumer complaint received 2021-04-16
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: SYNCHRONY FINANCIAL (FL)

Dispute # 1 XXXX/XXXX inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Banks and XXXX XXXX  XXXX 's phone number XXXX Dispute # 2 XXXX credit card company phone number XXXX XXXX XXXX , Florida XXXX Inquiry date XXXX These two inquiry showing on my XXXX consumer report are both fraudulent I did not consent to these inquiries they were done against my will and knowledge
Consumer complaint received 2022-03-26
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. (CO)

Made 2 online purchases with XXXX on the same day. First one was ok, second one we received a fraud alert, asking if we authorized the purchase. We replied that we did, and was told the charge was denied by Chase, and if we still wanted the item, we would have to repurchase. 
Why would Chase tell me to authorize another purchase with the same vendor that they consider fraudulent? 
Since we thought the charge was denied, we repurchased with another vendor, only to find out that the original charge with XXXX went through. Why would chase allow this vendor to re-submit the charge if Chase thought it was fraudulent? 
Was told by someone in Fraud Department that they could not take the XXXX charge off, and we had to talk to the dispute department. The dispute department told me to talk to the fraud department. Both said I would have to contact XXXX for a refund. 
Why do I have to dispute a charge I authorized in the first place and the burden falls on us to resolve this, when it was their fault. Had to drive XXXX XXXX round trip to XXXX ( we live in a rural area ). Hopefully they will cooperate but I have to wait to hear from them.
Consumer complaint received 2022-03-26
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 XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRIES : XXXX XXXX  XXXX, XXXX and XXXX XXXX 15U.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 2019-06-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed the account but they changed the account to dispute without first delivering the results to me. is very bias as I do not know if they ever investigated these accounts. 
XXXX XXXX XXXX XXXX XX/XX/2013 XXXX XXXX XXXX XXXX XX/XX/2013 XXXX XXXX XX/XX/2013
Consumer complaint received 2023-10-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLIANT CREDIT UNION (MI)

I am writing to file a formal complaint against Alliant Credit Union for what I believe to be a violation of the Equal Credit Opportunity Act ( ECOA ). 

I applied for a consumer credit plan with Alliant Credit Union. Shortly after, I received an adverse action letter from the institution. The letter cited factors such as debt and accounts but did not provide a substantive reason for denying the credit transaction. According to the ECOA, creditors are required to provide specific reasons for adverse actions, and these reasons must be factors that were genuinely used in their decision-making process.

I believe that the adverse action taken by Alliant Credit Union against my application was not only unjustified but also discriminatory. This action has caused me financial distress and undermines my rights as a consumer under the ECOA.

I request that the CFPB investigate this matter thoroughly to determine whether [ Credit Union 's Name ] has violated the ECOA and, if so, to take appropriate action against the institution.
Consumer complaint received 2022-09-26
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. (AR)

I have filed seeveral disputes to remove a bankruptcy on my credit file XXXX had this information updated but TransUnion and XXXX has not removed. I have contact my lock Bankruptcy court.XXXX XXXX who verified they have not supplied an personal information to any 3rd party! I also contacted pacer the source of public record whom also informed the same I have provided and supplied proof and statements from all sources and demand that the bankruptcy be deleted fro my file immediately. public records reported on credit reports must be checked by the credit bureaus for updates every 90 days to ensure their accuracy. If the records are not checked, they should be removed from the credit report. Bankruptcy records already hold these strict requirements, which is why the changes dont impact this type of public record. According to 15 U.S.C. 1681 The Credit Reporting Agencies were NEVER given the role to furnish credit reports ; they ASSUMED the role. This is exactly why CONGRESS implemented the FAIR CREDIT REPORTING ACT.
Consumer complaint received 2019-06-21
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. (TX)

I communicated with my lender and discussed about how i can make my payments without getting higher interest rates. Please verify and delete this student loan.. ITs a misunderstanding, not paid late..Fix it US DEPT OF ED/XXXX XXXXXXXX
Consumer complaint received 2021-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (CA)

I have received another debt collection letter from McCarthy Burgess and Wolff in the amount of XXXX. 
XXXX XXXXXXXX XXXX XXXX on XXXX/XXXX/2021 and then I received collection letter dated XXXX/XXXX/2021. ( approximately 20 days ) there is no balance on the account XXXX as it stands now.
Consumer complaint received 2021-12-09
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: FIRST NATIONAL BANK OF OMAHA (NV)

There were multiple charges at XXXX, XXXX  XXXX, and XXXX that were not conducted by me when i called the credit card company about issues after they alerted me to a fraudulent charge on my account.
Consumer complaint received 2018-07-07
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. (MA)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX  : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX ALL ANY OTHER 30 DAYS OLD ON MY CREDIT REPORT ...
Consumer complaint received 2021-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Finance Company, Inc. (TX)

I have been in contact with Professional Finance Company since XX/XX/2021 as of late I have sent documents on XXXX in regards to this fictitious debt they placed on my consumer report. They had no write to place any false misleading unverified accounts on my consumer report.. I am a federally protected natural person and consumer and they have breach my consumer rights. Pursuant U.S. Code 1681n and all of its subsections. They owe me compensation granted to me by federal law. Please make not this is my final attempt to settle this mater outside of a federal courthouse. I have attached all documents and an invoice for payment request. The FDCPA allows me compensation for their willful damage and knowing noncompliance of these laws. Their act of piracy and act to damage my consumer report for monetary gains will not be tolerated. I am invoking my specified remedy as a consumer and I expect to receive my just due via federal law. Simply removing this account does not remove their liability and it also doesnt change the gaming affects this false reporting has so to much consumer report. They have caused me monetary damages and also caused me to be denied for further credit opportunities.
Consumer complaint received 2021-12-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was expecting to get an answer from you but to this date, over 30 days have passed, I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes, My information was also affected by the XXXX data breach so please investigate this matter immediately!
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

My chase bank account was hacked and someone tried to send money to my account and then said it was a fraudulent transaction. My account was then closed and I tried to call and explain to them that I had no idea what was being done and they told me that since the the other person reported it as fraud that it was nothing I could do. They even tried to say that I was the one to do it, I only use my bank card for bills and investments into Crypto.
Consumer complaint received 2018-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/17 there were 2 unauthorized withdrawals from my checking account in the amount of {$500.00} x 2 on XX/XX/17 there were another 2 unauthorized withdrawals from my checking account in the amount of {$500.00} x 2 Total amounts for all four transactions were : {$2000.00} I disputed this with Bank of America and after waiting they sent me a letter stating that the withdrawals were valid as it was an ATM which required a pin ... however, I did NOT authorize this and informed them of it many times through numerous conversations with them but they closed the case and would not re-open. 

I need help in receiving this unauthorized fraud charge. Thanks.
Consumer complaint received 2018-07-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I disputed this report two times through XXXX. I called the Company 3 times. They won't change my 30 day and 60 day pass due months after loan was paid. They lost a check from my GAP insurance and got a new check sent and cashed. 3 times there people told me it would be taking care of, I heard other people with the same problem
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (CA)

I had a joint checking account with my wife for 3 years. I need a copy of my statements for a government agency. They are demanding I come into a branch location to obtain this data. There are no branch locations in my state. They refuse to accommodate me in another way that is actually possible for me to obtain my records.
Consumer complaint received 2022-10-01
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: PNC Bank N.A. (NJ)

Good Evening this is a continued problem that PNC Bank and I have. The problem is application of over payments and reporting incorrect balances on credit report and continuously reporting late payments on my account. XXXX my credit and outright refusing to fix it. They come up with every excuse in the book as to why they did what they did and act like their investigating my disputes and I never ever hear back from them. I want the late payment from XXXX and XX/XX/2022 removed and I also want balance updated. My evidence is attached
Consumer complaint received 2022-09-27
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. (WA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. i I do not make this inquiry. 
XXXX FCU Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. i I do not make this inquiry. 
XXXX FCU Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. i I do not make this inquiry. 
XXXX FCU Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The following personal information is incorrect XXXX FCU Account Number : XXXX please remove inaccurate late payment update to paid as agreed 7. The following account is not mine XXXX XXXX Account Number : XXXX Delete this account. 
8. The following personal information is incorrect XXXX FCU Account Number : 54 please remove inaccurate late payment update to paid as agreed 9. The following personal information is incorrect XXXX FCU Account Number : 74 please remove inaccurate late payment update to paid as agreed 10. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Delete this account. 
11. The following account is not mine XXXX Account XXXX : XXXX Delete this account. 
12. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.

13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX WA XXXX
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 returned product on card purchase of {$150.00}. Bank of America customer service answers the phone and then transfers to the claims department that is unreachable. I've held on the line for over 2.5 hours only for the call to be disconnected. I've been trying to reach that department for ten days. I filled a complaint to B of A prepaid card services but have not received a response.