davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

I recently XXXX  a XXXX XXXX and I was in the XXXX  and also I am still seeing a XXXX XXXX  and taking tests. Because of my health problems I was unable to pay my bills on time. The bank added 10 late fees for insufficient funds. I asked for reimbursement but was denied. The fees are XXXX XXXX {$35.00} each= {$350.00}
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I called Wells Fargo on Wednesday, XX/XX/year>. I dialed the phone number on the back of my credit card ( XXXX ) XXXX. I called on or around XXXXXXXX XXXX XXXXXXXX. I was on the phone for an hour and could not get an answer from the customer service agent including the second level support agent. The first agents name was XXXX from the XXXX. The next level support agents name was XXXX, also from the XXXX. The first agent said I will have a 30-day late payment reported on my credit reports for the XXXX billing cycle if I dont pay my late fee of XXXX, by XX/XX/year>. The second level support agent said I will have a late payment reported to my credit report if Im six ( 6 ) days or more past due. This is a false and misleading statement. Pursuant to the federal Fair Credit Reporting Act, late payments are not reported until 30 days or more past due. 

I then called back on or around XXXXXXXX XXXX  XXXX and got to a female agent named XXXX, who indicated she was in XXXX. As I was talking, she suddenly put me on hold without my knowledge or consent. This is an improper hold procedure.
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

on XX/XX/year> i purchased an item off of XXXX XXXX, using Zelle.. it turned out to be a scam and the buyer was no longer on facebook nor was the Zelle account they used still there. I contacted XXXX XXXX  about the scam and after opening a investigation, i was informed that they would not do anything about it that the {$270.00} I sent to a scammer was gone and they would not cover it nor do anything else. I say the article in the news today and I wanted to be included in that complaint against Zelle for the non existent consumer protection that they offer.. I will never use that platform again. I do not have that problem with XXXX or XXXX Yes it would be nice to have my money returned to me or even a portion but more than anything I am pleased to see that someone is investigating this issue. Banks have so much latitude with your money. 

Thank You
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (OH)

Under FCRA Guidelines Sequium Asset Solutions Violated My Rights according to

15 USC 1681 Section 602: Right to Privacy
15 USC 1681 Section 604A Section 2: Consomer Reporting Agencies Cannot furnish account information without written instructions
Consumer complaint received 2024-08-11
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One and Pottery Barn promised a cash back rate of 10 % on my purchases made the first month ; however, I have only been receiving 5 %. Ive spend over {$6000.00} via two purchases ( {$4000.00} then {$2000.00} ) in the first month. As of today, Ive received only {$170.00} out of the $ XXXX in cash back. 

I reached out to both companies for clarification regarding this significant discrepancy but did not receive a satisfactory response. They pointed at each other to address the matter. 
As of today, capital one is still looking into it.
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I used the website " XXXX XXXX '', as they the most trusted website for XXXX XXXX XXXX to find short term housing. I saw a listing for an apartment on the XXXX XXXX for {$1500.00} per month, plus a {$500.00} deposit prior to moving in, which is a very common practice. I inquired about the properties availability and received an email from " XXXX XXXX XXXX XXXX XXXX '' on XX/XX/XXXX stating the property is still available. I was provided application paperwork and was told I was approved on XX/XX/XXXX. There were subsequent emails back and forth with this what would turn out to be completely fraudulent company until XX/XX/XXXX when I sent my {$2000.00} via Zelle for first months rent and deposit. Being out of state and needing to secure a place to live before I arrived, I have no choice but to pay via electronic funds transfer. I don't see why using Zelle would or should make any difference in whether or not I receive a reimbursed from the bank? Regardless of how I would've paid, this was a scam and complete fraud through and though. The form of payment is irrelevant. I was defrauded out of {$2000.00} and because of XXXX XXXX  refusing to refund me this money, I still do not have a place to live and am more thank likely going to have to XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

I, XXXX XXXX XXXX, the consumer and natural person was denied credit by American Express on XX/XX/year> when I applied for a gold card Ref : XXXX XXXXXXXX. I am creditworthy and should be granted my credits. I sent my first letter regarding the adverse action response and it was ignored. I sent a second letter and received a response from XXXX XXXX XXXX assistant, whom the letter was not addressed too, stating another denial. This is my last letter to rectify your error before the court will be brought in. As stated in the previous letter, your denial is a direct violation of my right to credit. My goal is to keep this very simple matter out of the courts however, I will do whatever I need to preserve my rights as an XXXX. Adverse action against a consumer is against the law and according to the XXXX, which is codified in 15 USC 1691c. American Express is also currently in violation of 15 USC 1642, 15 USC 1642, 15 USC 1681m and 12 CFR 1002.7 because I, the consumer made an application in good faith, and expected consideration, however credit was not issued, clear failure of consideration. Furthermore, because my social security number was used and I received no benefit, this is proof of fraudulent activity and I am reporting it to the FTC, SEC, and the CFPB. If following The Federal Reserve, Section 29 ( d ) says since it has been 137 days since my application I am owed XXXX XXXX Dollars or 1 % of your companys revenue. The remedy I am seeking is the same from the beginning, a simple line of revolving credit for {$25000.00} which I will perform monthly just as The Bill of Exchange says. I have no desire to take this to arbitration but will if I havent heard anything by XX/XX/XXXX.
Consumer complaint received 2023-06-16
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 USC 1681. 

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 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 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 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MN)

I received a call from a company saying they were with Chase Creditcard Services. they said someone had tried to use my card but did not have my mothers maiden name. We had a bad connection so i asked for a number to call back. they gave me the number, a case number, and a person to talk to. when i called back their was it was the right number but that person did not work there and case number did not exist. they recommended i report the fraud. The person that called had my SSN, date of birth, and an old address, but my chase account has my correct address. i would like a person to call me to discuss. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Climb Credit Inc. (FL)

I have been making interest only payments since about XXXX of XXXX. I have applied and been approved twice for interest-only payments and now I try to apply again and they said that I maxed out my 6 months of interest-only payments after XXXX XXXX XXXX XXXX has a job guarantee that has not been fulfilled by them even though I have been doing everything in order to find a job and the terms per the document they gave me during the time I went there was 6 months of job guarantee and could be extended up to a year. I've already been in the job guarantee after graduation for 9 months and the 12 months would basically end around XXXX. The payment started out at {$190.00} per month and now climb Credit which is being serviced by uas XXXX is asking for payments of nearly {$600.00}. I have tried asking if they can work with me to help me lower the payments until I finish the job guarantee because I have a feeling due to the terrible market that I won't find a job in what I studied at that school. I don't want my credit to go bad and I don't want to do a debt consolidation because my credit is currently very good. I want to know what my options are and hiring a lawyer is very expensive. I have emails with uas stating that I have maxed out my 6-month interest-only payments afXXXX XXXX XXXX XXXX points the finger to claim credit.
Consumer complaint received 2023-10-03
Product: Credit reporting 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 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 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (TX)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I submitted an application to NetCredit for a line of credit, mind you the first time I applied I was approved for {$2700.00} however, it was later that NetCredit decided not to allow me to have the the line of credit by denying me. 

I later found out from a second email sent to me that because I applied for a loan through a third party this was their reasoning to deny me. Mind you, NetCredit had already denied me so why were they ( after denying me ) so worried that I applied with a third-party website unless they are connected to that third-party website? 

Then they state that their decision was based in whole or in part on information obtained from an affiliate or an outside source other than a consumer reporting agency. 

Afterward, I discovered that they ( NetCredit ) are the bank XXXX XXXX XXXX NetCredit that denied me. Instead of telling me about them being the bank, I had to find this information alone. I called the NetCredit phone number XXXX and when I called the bank XXXX, I found out they are the same and that NetCredit allow this bank to give them information concerning me without obtaining this information from the credit bureaus. To me, I have been set up to fail. 

However, before finding out this information that they are the bank, I questioned the loan officer whom I spoke with at NetCredit, I explained to her that NetCredit said originally that I was denied credit because I applied for a loan through a third-party website but I applied for a loan through a third party AFTER I was denied first through NetCredit. My question is why does what I do after applying with a third party have anything to do with NetCredit unless this is rigged after the fact? 

I feel set up by NetCredit. 

So at that time when I called NetCredit, I asked them about all of this but they couldn't give me a real answer. Why did NetCredit rely on some third party to give them information concerning me instead of the credit bureau? 

I told the loan officer, I wouldn't have applied for the line of credit if I didn't need the money. I just had XXXX XXXX  and I needed the money. Crooks can call and get money, real people like myself who truly need the money can't obtain credit or money especially when you need it. 

I work for a living and I don't believe in borrowing, I usually work hard to obtain what I need without asking companies like NetCredit. 

You can rest assured I will never again apply for any credit with NetCredit. 

By the way, I tried to sign-in again to NetCredit and I placed a copy of what they did afterward at the very end. 

Thank you,
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (FL)

Accepted as value / accepted for value and returned for value as consideration for settlement and closure of the account according to UCC 1-308, HJR 192, 1933, and U S Constitution, Article 1, Sect. 10.

Signed : Without prejudice UCC 1-308, Date XX/XX/XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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. 

Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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 2024-08-11
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

USC 15 1629c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt im not liable for this debt with XXXX XXXX i dont have a contract with the I.C System they did not provide with the orginal contract as requested.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

As the company failed to respond to my request for debt validation within the legally stipulated duration, this is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act, these accounts and inquiries below have violated my federally protected consumer right 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 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 Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX - Inquired on XX/XX/XXXX - Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts and inquiries have violated the consumer 's right to privacy. 
15 USC 1681 sec. 602 A states the consumer has the right to privacy. 15 USC 1681 sec. 604 A sec 2 states that a consumer reporting agency can not furnish an account without the consumer 's written instructions. 15 USC 1681c. ( a ) states that : no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) 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 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello Its been over 30 days and the creditor has not updated the information Nor has Provide proof Or documentation regarding A late payment. They have not supplies this information And they must delete this allengen late payments On my credit report. Under federal law They had 30 days to Complete the investigation and by falling to do so, the item must be deleted from The report as soon as possible
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Larry H. Miller Group of Companies (IL)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite my persistent efforts to address these inaccuracies and my repeated requests for thorough investigations, I have yet to see any resolution or corrective action. 

These erroneous accounts are causing substantial damage to my credit file and severely impacting my ability to lead a normal life. The effects of these errors have created significant hardships, leading me to urgently request your assistance in resolving this matter as quickly as possible. 

I respectfully ask for a comprehensive investigation into the reporting of each disputed account. It is crucial that immediate action is taken to update and correct my credit report without further delay. Your support in restoring the accuracy and integrity of my credit file is vital for me to regain control of my financial stability. 

I urge you to treat this issue as a priority and take swift action. Your prompt cooperation in addressing this matter would be greatly appreciated. 

Thank you for your attention and assistance.
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Carvana Group, LLC (NJ)

I was recently trying to purchase a car from this company Carvana, I got approved with a minimum of {$3000.00} down payment. The company keep pushing back my delivery for days just because the wire transfer was taking about XXXX days. Now when I received the vehicle its not like what was described so I requested a return the return was accepted and after they picked up the vehicle they checked and everything was exactly as I received it. After asking them sever times about my refund. They all keep giving me a set of different information. Its been more than a week since Ive returned the vehicle and still cant get any positive about my refund. Its as if they dont care about customer getting their refund. Ive check the internet and see several other customers complaining about this same issue with XXXX. Now today XX/XX/2024 I reach out to them again about my refund. The advocate got the nerve to tell me only yesterday my XX/XX/2024 my refund request was sent. So basically this can clearly show that they have no time or concern about issuing my refund. He also said I have to wait another XXXX days for them to review the request and If its approved then XXXX receive a check. XXXX asking for legal help in this matter because this can clearly show that these people got their vehicle back and doesnt care about me getting my refund back.