davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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. (VA)

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. 

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. 

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 2023-01-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/2022, I requested Bank of America to perform a wire transfer with the instruction to cover all fees related with the transaction ( code OUR ), so the transfer amount would be delivered in full to the beneficiary. To cover any fees from the recipient bank, Bank of America charged me XXXX XXXX, but this amount was never delivered, and the recipient charged their standard fee for receiving the wire. 

In the electronic document ( attached ) it is observed that fees were instructed to be shared between sender and beneficiary XXXX XXXX XXXX XXXX, contrary to my specific instructions. The XXXX XXXX are identified as " sender 's charges '' : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is worth mentioning that Bank of America reimbursed the XXXX XXXX " transfer fee '' due to another error in this transaction, but they stated that they can not reimbursed the XXXX XXXX as " it has been charged by the recipient bank '', which is not true.
Consumer complaint received 2023-01-02
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. (FL)

Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past XXXX  months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of Method of Verification Requests were ignored by the company since XX/XX/XXXX.
Consumer complaint received 2023-01-02
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: CITIBANK, N.A. (WA)

Citi has declined my dispute regarding an item I did not receive. I previously had a complaint through the CFPB, but they still rejected it and my case was closed. The Complaint ID was : XXXX. Attached is additional proof.
Consumer complaint received 2023-01-02
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. (FL)

I am a documented victim of identity theft. My mortgage company had a breach of information and all of my personal account information ( SSN, drivers license, personal information ) was stolen. During this time, an individual stole my mail, diverting all of my physical mail to an address in XXXX  ( I live in XXXX  ). They then opened a fraudulent JP Chase Credit card account in my name. The individual then charged almost {$10000.00} to this fraudulent credit JP Chase Credit card -- - for " Intensive Therapy. '' [ A fraudulent business which listed my name and and my home address as the place of business, billed me on invoice # XXXX, for a credit card opened the day before, for XXXX session of therapy totaling close to $ XXXX at my home address. In an of itself, this should have been thrown out ] The invoice is fraud, the account is fraud, and the charges are fraud. However, JP Chase Credit company will not resolve the dispute of transaction, claiming I requested the card and set up the card using my phone. I have provided Chase with documentation from the XXXX XXXX XXXX that my mail was being stolen. I have provided Chase with phone records that I did not make a call to activate the card as they state. They are still denying and saying I made the charges. I have tried to resolve the issue with Chase -- but they have XXXX customer service. I get a canned response, a XXXX line letter saying that they did a review and the charges are valid. I have provided packets of documentation showing the contrary. I am a documented victim of identity theft. 

I have had this reviewed multiple times and can not get anyone from Chase to resolve this issue. I am now being held liable for these fraudulent charges because of Chase 's incompetence, it's failure to protect its customers, and its violation of XXXX XXXX of Rights. I have provided them with information that my identity had been stolen ( through my mortgage lender breach - letter attached ), a copy of a police report ( attached that showed my home address was changed, and I was a victim of identity theft ), and provided all relevant information, as well a fake business receipt which looks like a XXXX XXXX XXXX developed it. Still, I am on the hook for this money and have received XXXX help or support from Chase.
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 has violated my rights. 

15 U.S.C 1681 Section 602 A state 's 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 2023-01-02
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: Experian Information Solutions Inc. (TN)

I came to because the credit company failure to follow the law,15 U.S.C 1681i ( a ) Reinvestigate of disputed ( I ) Reinvestigation information " Notice is of results of reinvestigate ( A ) In general a consumer reporting agency shall provide written notice of the results of a reinvestigation the company Experian failure to follow this law.
Consumer complaint received 2023-01-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Axela Technologies, Inc (TN)

On Saturday, XX/XX/2022 I received a certified letter from XXXX  Schwartz Vays XXXX XXXX  demanding payment of XXXX Fees. The letter demanded full payment of the XXXX fees for XXXX  or the Attorney would file liens and report such liens to the credit bureau to damage the credit. The tone of the letter was hostile, threatening and nasty. The letter specifically stated all fees had to be paid within 45 days basically 'or else '. The XXXX, XXXX XXXX XXXX, had not been communicative with me about the amount owed. The website also does not specify the amount owed. The online portal to make payments to them have not been set up for me. XXXX XXXX has previously rebuffed any attempt to speak with me regarding the fees. XXXX XXXX website states that invoices would be mailed and I have received no such invoice. I logged into Attorney Schwartz Vays website and input the number assigned to my residence which was in the letter and I see an entirely different amount than what is on the letter. 

I demand a full and itemized breakdown of all fees because I am not sure how the Attorney derived at the {$1100.00} balance on the website when the letter shows a balance of {$800.00}. 

I also demand the Attorney show documents proving to me his law firm is legally entitled to collect on this debt. 

I dispute the validity of the debt as it is shown to me because I am not aware of how the Attorney derived at the amounts. 

I also demand the Attorney provide documentation showing how much the yearly XXXX  fee is. Since XXXX XXXX won't provide this information either when requested or on their website. They are not allowed to pull numbers out of thin air. 

The Attorney 's letter demands full payment or else he will immediately file liens and seek to destroy my credit ( as his letter stated he would take the extra step of notifying the credit bureaus ). The Attorney 's letter makes no mention of XXXX having the ability to make payments. It only sticks with threats and hostile language. However, the website shows the ability to set up payments. So I am confused. If there is an ability to set up payments, why was this not mentioned in the letter. XXXX  Schwartz Vays went to great extent to bold language, and use language that I considered to be surprisingly hostile and threatening in all the ways he could HURT me.. without regard for my ability to pay or saying we will work with you. So is there an ability to make payments? 

I demand that all collection activities cease until the Attorney provides an itemized statement of the debt, proof that his firm is legally entitled to collect on the debt, and an explanation of why of why the online debt balance shown greatly differs than what is in his letter. I also request that the Attorney explain to me why his office is not required to be licensed in the state of Tennessee per his XXXX, and an explanation of why the website shows the option to make payments but his letter does not.
Consumer complaint received 2023-01-02
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. (NJ)

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. XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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
Consumer complaint received 2023-01-03
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : 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 an 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 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I have on several occasions commutated to Equifax to block and stop putting my alleged private transactions on my consumer report without my consent that's identity theft they are sharing my info to make a profit. I never gave verbal or written consent to anyone or received a disclosure to do so. I filled a complaint on cfbp portal XX/XX/2022 to remove these items that replied back saying will would remove them an they are still on my report causing emotional stress to me defaming my charter. Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. Therefore, EQUIFAXis now knowingly in violation of the FCRA and is not taking steps to correct that violation. I have attempted multiple times to have Equifax reverse the erroneous delinquency filing and they have refused to do so on each occasion.
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

HI, In applying for a credit card I was denied which surprised me because I pay all my debits. However, I have a problem with social security administration with an overpayment. The overpayment is in dispute and has been for over 2 years now. In the meantime, we have set up an agreement that I pay them {$120.00} per month until a decision on the amount is made, and I have paid every month. My credit is damaged and it should not be, and I do not know how to correct this problem.
Consumer complaint received 2023-01-02
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: Bread Financial Holdings, Inc. (IL)

In accordance with the fair credit reporting act XXXXXXXX several accounts have violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

So I sent a letter of on XX/XX/2022. To remove XXXX XXXX information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to Privacy. Also According to 15 USC 6802, No Financial Institution is not suppose to share my Information to third Party people. 
These are clear Violations of my Federally Protected Consumer Rights.
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (CA)

On XX/XX/2022 I realized my my pre paid government debit card was stolen the day before on XX/XX/2022. I immediately called the XXXX and notified them my card was stolen. When I called the charges on my card were still pending and had not been processed. I asked that the transactions be stopped and was told that was not possible. I filed a claim for the charges on my card which are over {$1000.00}. I was told I would receive some paper work in the mail that I needed to complete to file a claim. I never received the paperwork. I called back on XX/XX/XXXX and was told that I could submit a claim by submitting a hand written letter via email which I did. When I called back a few days later to check on the status of the claim I was told my claim was denied. They would not tell me the reason it was denied only that I would receive a letter with an explanation. To this day still have received nothing from this company. I was told Im was able to appeal the denial by email which I did on XX/XX/XXXX. Again, when I called back a couple days later, to check the status, I was told it was denied again with no reason as to why and that I would receive a letter in the mail. I still havent received a letter. When I asked the person how they did their investigation I was they they dont know. When I asked, who would know I was told they didnt know it was the investigation department and they dont have telephones there and they dont know how they do their investigation, that nobody could help me and they ended up hanging up on me. I have called back several times and asked who I can speak to regarding my claim and each time Im told that the claim has been closed there will be no further action done on my claim and theres nothing more that I can do and I get hung up on. I sent an email on XX/XX/XXXX and XXXX asking to speak to someone regarding my claim and have received no response. It would be very easy for the company to request the signed receipts for comparison to my signature as they did not have my pin and used my card as credit which I didnt even know was possible. This would be an easy way to determine I did not make the charges. I dont believe XXXX XXXX any attempt to investigate the charges on my card had they it would be easy to see they were not made by me. It is absurd to me that I called and notified them my card was stolen while the charges were still pending they couldnt do anything about it but they refused to refund me. Not did they even do an investigation on who made the charges. I have called several times only to be told my claim is closed, there will be no further action and I will receive a letter in the mail. I also filed a police report with my local police department.
Consumer complaint received 2023-01-02
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. (CO)

I signed up for the Marriott XXXX branded credit card with Chase Bank. that promised XXXX Bonus Points when I speed {$3000.00} in the first 3 months ( I have the website image offer ). 

The points expire in 6 years in the XXXX program. 

I received the card and spent {$15000.00} in the first month, and {$4900.00} in the second month. 

I received in my XXXX account three offers of three 3-night stays of {$50000.00} each. While these total more than the XXXX points promised, the use limitation and expiration are a serious downgrade in value. They expire in less than 1 year and can not be supplemented in points or dollars to be used for XXXX nights in the hotel brand we frequent - the XXXX, XXXX, The XXXX XXXX, XXXX XXXX, etc. 

I have called and written and the XXXX reward department of Chase refuses to change the offer despite the proof of the offer image on the site from which I applied.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX reported my payments history an Equifax still refusing to provide me a credit score went from XXXX to XXXX an it's wasn't my fault do they incorrect information in they system now they refusing to add self credit builder to my account when they mail them statements XXXX an XXXX credit report already up dated they system Equifax drop my credit score after the removed refused to add my account on my report giving me problem
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-02
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. (TX)

Please be advised this WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Consumer complaint received 2016-10-25
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (RI)

For about 2 months, I have received several hangups per day. If I call back, I get XXXX XXXX XXXX regarding an 8 year old Kay Jewelers account. If I ask for a letter or do not agree to pay in full right away, they hang up on me. I have blocked over 20 different phone numbers from them yet they continue to call and hang up on me daily. They have also threatened to contact my employer. I am being harassed daily by XXXX XXXX.