davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: Early Warning Services, LLC (MD)

I paid {$1000.00} via Zelle to a puppy scam. I did not know it was a scam as I was in constant contact with the seller who assured me that they were ligit. After paying {$1400.00} for puppy, XXXX XXXX XXXX XXXX XXXX XXXX Nanny, I never received the puppy. 
I did file a complaint with XXXX XXXX ( my bank ), but they are not able to reimburse me as they said it was a fair trade. 
I am hurt, because not only am I out of a puppy, but i am out of {$1400.00}. I did contact the XXXX XXXX XXXX and they did publish XXXX XXXX XXXX reached out to me and did a story. This was published in the city where the " so called '' scammers listed their address. 
I have email addresses/phone numbers, etc if needed. I want these people prosecuted to the fullest extent of the law. Stealing is a CRIME! 

XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I have been trying to make a payment on my XXXX, XXXX and Ann Taylor credit cards since XX/XX/22 without being able to get into the online system, XXXX XXXX or speak to anyone at Comenity Bank ( recently referenced as Bread XXXX  ) for 8 days. 
I was finally able to get into XXXX XXXX after numerous attempts and pay my Ulta and XXXX cards but still can not pay my Ann Taylor card. I called the Ann Taylor store to see if I could make a payment there and they said the system to make payments in the store has been unavailable for 8 days. I spoke to XXXX XXXX, a team lead at the XXXX XXXX store location, for an extended amount of time as she tried to do everything she could to help. All of the phone numbers on the back of the card, provided to the store and on XXXX for customer service are answered by an automated system which states the technical problem, says to call later and them disconnects your call.
Consumer complaint received 2022-12-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-10-29
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. (TX)

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$17000.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I returned the defective vehicle within the time allowed under the Lemon Law. The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to collect. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

On or about XX/XX/2022, I purchased a XXXX XXXX  in the amount of {$970.00}. The purchase was made using my Chase Amazon credit card and made on Amazon.com. The credit card and Amazon offered an 18 month no interest payment plan. The credit card wrongly took away this promotion after one month even though I was never late and never missed a payment and met all the terms under the 18 month no interest plan. When I called the credit card company to complain, they stated that they applied one of my regular monthly payments towards the purchase price of the item. I never earmarked that payment towards the item and the company refused to reinstate the no interest plan. I believe Chase is enticing consumers into making large purchases with an 18 month no interest plan only to wrongly withhold or take away such promotion after the purchase is made.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

I told pnc bank to file two chargebacks and to give me receipts, but they never sent me a written receipt of what they did for both chargebacks in their investigation. I was never shown in writing whether or not the merchant agreed to give me my money back or if visa was involved in issuing the funds back into my account.

I want two written receipts for both chargebacks. Here are the dates of the fraudulent transactions ( XX/XX/XXXX ) and chargeback dates ( XX/XX/XXXX ) + ( XX/XX/XXXX ). 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - Dispute Pending EFFECTIVE XXXX XX/XX/XXXX Final Dispute Credit EFFECTIVE XXXX
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (PA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-07-02
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. (MD)

I did not make any of these inquiries XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX  Inquiry date XX/XX/XXXX Business type Department And Variety Stores- non specific XXXX  XXXX XXXX  Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Bank Credit Cards XXXX  Inquiry date XX/XX/XXXX Business type Tenant Screeners ( Reseller ) XXXX  Inquiry date XX/XX/XXXX Business type XXXX XXXX ( Reseller ) XXXX XXXX Inquiry date XX/XX/XXXX Business type Auto Financing Companies
Consumer complaint received 2023-01-12
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. (PA)

XXXX XXXX continues to violate my right to privacy, which is a violation of the Gramm Leach Bliley Act. Even after when I made them aware of the federal laws they are breaking by sharing my nonpublic personal information WITHOUT my consent. They have willfully ignored my request to opt out of sharing my nonpublic personal information with other nonaffiliated 3rd parties. 

XXXX XXXX continue to aid with consumer reporting agencies to furnish negative information in the form of " late payments '' on my consumer report without my consent in their attempt to extort me on this extension of credit. They make false statements stating that the Fair Credit Reporting Act requires them to furnish information about me without my consent when Credit Reporting is OPTIONAL WITH MY CONSENT. 

I have suffered monetary actual damages from the results of XXXX XXXX furnishing this inaccurate information, damaging my reputation and restraining me from operating in commerce in which the banking system is dependent upon! I have tried to resolve this issue through a direct dispute and indirectly through the consumer reporting agencies that they are furnishing this information to. 

*see attachments*
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Google Compare Credit Cards Inc. (SC)

I was charged XXXX on XX/XX/2022 by XXXX for a XXXX XXXX XXXX i never ordered. My bank frauds dept. notified me that morning the phone was charged, I told them that it was not me who charged the phone. They told me they would launch an investigation, but until the resolved the issue they would put the money back into my account. I said that was fine, since I live on XXXX. So they did their investigation for about 4 weeks I thought every thing was going my way until I received a letter about the incident saying they didn't find anything wrong. Well since that day it has been a struggle just to pay my bills, They took back the XXXX out of my account. I called and complained to them with no satisfaction. They said the case was closed and nothing more to do or say, well i guess that ended that. So I went to my bank and told them the story with no justice, they replied that they listen to their frauds dept. well needless to say i have been in a financial bind since then. I then reported it to XXXX that someone had used my credit card number to order a XXXX Phone off their website. See you must have a Credit or Debit card on file with XXXX if you use their services, which I do. That is the card that was used to purchase the XXXX XXXX XXXX, that i never ordered and was shipped overnight to someone using my name XXXX XXXX in XXXX XXXX, SC. I don't recognize the address so I told XXXX that It wasn't me, but they replied that it was me that i was the only one who could have purchased the phone. Well I Replied to them how do i know it wasn't someone who worked for one of your XXXX stores since they have all of my information. They replied that was impossible. I told them well the phone was shipped to XXXX XXXX SC I don't live or know anyone that lives there, I live in XXXX, SC have for over 32 years. Why would i ship it there? The XXXX XXXX Police told me no crime was committed in their area that there was nothing they could do. The Police in my area said that it was between my bank and myself. So I'm out XXXX, I ask you where is the JUSTICE? 

XXXX  XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Out of OHIO XXXX XXXX Only way to contact them is through XXXX XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX My email is XXXX XXXX
Consumer complaint received 2022-07-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bread Financial Holdings, Inc. (MI)

Hi, I was in the process of working on paying off a loan that had a promotional period of one year of purchase. The start date was around XX/XX/2021. The loan is through Comenity bank. In the past three weeks I have been unsuccessful in getting access to my account. When I call the automated service puts me through and when I attempt to talk with a representative it hangs up saying " We are too busy to handle this call please call back at a later time. ''
Consumer complaint received 2022-07-02
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. (NV)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXX XXXX Loan Account number : XXXX Balance amount : {$14000.00} Payment amount : {$590.00}
Consumer complaint received 2022-07-02
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. (CO)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions in accordance with the Fair Credit Reporting act XXXX  Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-02
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. (NC)

Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2022-07-02
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. (TN)

According to 15 USC 1681 an account can not be furnished on my consumer report without my consent. I have not given any consent to XXXX XXXX or XXXX XXXX XXXX to furnish these accounts on my consumer report. Furthermore they are charged off and are reporting incorrect balances to the credit bureaus. I have also not received my 1099c which is required to be sent to the consumer once the account is charged off. By law they are required to notify me once the accounts have been charged off and have failed to do so, therefore Im motivated to seek monetary relief of these accounts.
Consumer complaint received 2022-07-14
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX
Consumer complaint received 2022-07-02
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NJ)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcy to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 Section 602 A States I have the rights to privacy.

According to : 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 According to : U.S.C. 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (PA)

According to my XXXX Report the collection was open XXXX XXXX in the amount of {$1400.00} Source receivables Mng. The original creditor is XXXX. My identity was stolen and it prompted me to add an extra layer of protection on my credit file such as fraud alerts. Once I realized I contacted XXXX and also put in a fraud dispute for this collection.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-02
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 financial institutions below continue to violate my right to privacy. I have disputed this information with Transunion, XXXX, and XXXX, and have not received a response. I also filed a FTC identity theft complaint, as well as a complaint with you, the Consumer Financial Protection Bureau, -whom has successfully transmitted my complaint electronically to Transunion XXXX XXXX, and XXXX XXXX It has been more than four ( 4 ) days and the information is still reporting, and has not been blocked per 15 U.S. Code 1681c2. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcy to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 Section 602 A States I have the rights to privacy.

According to : 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 According to : U.S.C. 1681s- ( 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.