davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Credit 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: SYNCHRONY FINANCIAL (NJ)

Dear Paypal, I am writing to formally request a refund for a charge made to my credit account for a service on XXXX that I neither subscribed to nor used. The charge in question was unauthorized. On the same day and within the same hour I noticed the transaction, I contacted your customer service department to report the fraudulent charge. I expressed my concern and requested an immediate resolution. Following my report, I contacted XXXX directly to cancel any services that may have been erroneously linked to my account. I have provided your team with documentation confirming that I requested the cancellation and did not authorize the charge. During my investigation, I discovered multiple reports and complaints from other customers indicating that XXXX has a history of charging users ' cards without proper authorization or consent. I shared this information with your team to highlight the fraudulent nature of the charge. Despite my efforts and the evidence provided, your institution processed the charge for XXXX, forcing me to temporarily pay to avoid incurring interest, which has caused me significant inconvenience and financial strain. I felt coerced, the payment made was only temporary to avoid further financial penalties, even though I do not agree with or acknowledge the legitimacy of the charge.

As a longstanding customer with a credible history, I expect my financial institution to protect my interests and address fraudulent activities promptly and effectively. Failing to do so is a disservice to your institution, as you may not be aware of the number of customers who stand behind me. I am asking you to reimburse the full amount of the unauthorized charge to my account and to implement measures to prevent such incidents in the future and ensure that your customers are protected from unauthorized transactions from companies like XXXX. I trust that you will treat this matter with the urgency and seriousness it deserves.
Consumer complaint received 2019-04-05
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: COMMERCE BANK (AR)

ON XX/XX/2019 I APPIED FOR THE CHARITY CHARGE CARD BY COMMERCE BANK, THEY PULLED XXXX AND AS A RESULT DENIED ME BECAUSE I HAD NO SCORE SEE ATTACHED.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (FL)

I filed a complaint on XX/XX/XXXX with XXXX and XXXX due to a negative mark on my credit report. I've filed several complaints. from XXXX of XXXX all with no response. last Dispute was XX/XX/XXXX last phone call to the credit bureau was XX/XX/XXXX. in ref to Jefferson Capital System {$910.00} both amount and time frame are incorrect its past the 7 yr mark.
Consumer complaint received 2024-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (TX)

Cash app randomly closed my account citing Your Cash App account was closed because of activity that goes against our Terms of Service. If you believe this is an error, you may be able to appeal this decision. To start your appeal, tap Contact Support below.

I firmly believe this to be in retaliation for my fraud reporting on a specific individual who is a known scammer under investigation.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

XXXX XXXX credit card by Citi bank I was very clear what I asked for. I asked for confirmation of debt which is my wet wet signature. I am the original creditor not you. 
These are your violations 15 usc 1692J. It is unlawful to design, compile, and furnish any form knowingly that such form would be used to create the false belief that the consumer owes a debt. The United States government has been under bankruptcy since 1933 which means they can not pay their bills.

12 usc 1431 Banks can not loan money because they are the borrowers.

42 usc 408 Asking for a social security number on any loan or credit transaction is a crime because we have no lawful money.

Where is my 1099C form for cancellation of debt. City bank already received tax payers credits so they need to cancell the fake. Debt.
Consumer complaint received 2024-08-19
Product: Credit 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: DISCOVER BANK (OH)

Case Number : XXXX Merchant Name : Quality Auto Parts XXXX, CA XXXX. : Billing Discover Card We are submitting this information in regards to the above Dispute Case. This is a XXXX of XXXX XXXX XXXX. 

On XX/XX/XXXX a purchase was made using our Discover Card for XXXX XXXX XXXX XXXX XXXX in the amount of {$1600.00} ( part+tax+shipping charge of {$150.00} ). 

This Transmission was advertised by the Merchant as being Tested and Inspected in GOOD READY CONDITION to fit and READY to WORK in your vehicle. ( see photo ) It was not! What arrived at the XXXX, Ohio, XXXX XXXX had a XXXX, XXXX housing which in no way matched their claimed advertisement of tested and inspected good condition. What they sent was DAMAGED goods. Obviously, it was never inspected. Our XXXX XXXX contacted us that he could not use this XXXX in our vehicle nor would he ever put this transmission in any vehicle! The transmission fluid would leak out, causing transmission failure. 

We contacted the merchant and sent them pictures of the damaged part, which they did not dispute. They never sent a return address or return authorization nor did they say they would pay the return shipping. 

Time issue was another big problem. The initial order was place XX/XX/XXXX, when were informed the part would take XXXX days to arrive in Ohio. Multiple weeks had passed and the merchant claimed they had shipping problems. Confusion and excuses were ongoing. In the mean time, our car was sitting on the transmission shop rack. Time was of the essence. 

By XX/XX/XXXX we had waited long enough. This timeline far exceeded the XXXX day quote merchant promised. At this point we had no faith in this merchant. We wondered if we had been scammed. After digging into their rating with the BBB of XXXX, California, we were dismayed to see they were no longer accredited with them and that they had an F rating with a number of complaints XXXXTrust was definitely out the door by then. 

It was at this point we contacted a local XXXX XXXX XXXX and purchased a transmission from this merchant. This part arrived in a reasonable time with no trouble. This purchase can be found on our Discover Card. This transmission cost about twice the price as the damaged XXXX from the XXXX XXXX merchant. 

After another phone call to XXXX XXXX XXXX, I see this merchant has lied claiming that I was going to lift the dispute off of this claim with Discover. 
I told him specifically, that the Dispute was staying on this claim and Discover would be investigating it. 

In conclusion, we are requesting a full refund to our Discover Card in the amount of {$1600.00} from this merchant. He falsely advertised good, working parts, and what was sent was cracked, damaged, and not usable. 
Discover Card needs to take their payment back from XXXX XXXX XXXX and credit my account. Otherwise, I will have been cheated Twice.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-30
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. (GA)

in accordance with the Fair credit Reporting act. The list of accounts below have violated my federally consumer protection rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these accounts have 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 also states a consumer reporting agency can not furnish 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.

please take this letter in consideration these in accuracies is causing a lot of problems in my finance when trying to apply for anything including jobs, please fix this problem asap thanks!!!!!!!!!!
Consumer complaint received 2024-06-26
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MA)

I have 3 pre-paid VISA gift cards that I purchased strictly for online shopping.

2 of these gift cards have a {$500.00} balance, and the third gift card is valued at {$420.00}.

In the past 24 hours, I have tried to use my gift cards at 7 different websites, and the cards are declined each time, prompting me to use another form of payment. The bottom line is that these websites are NOT accepting these gift cards, while VISA boasts that they can be used anywhere, for gas, online, etc. 
I called VISA today ( XX/XX/year> ) and spoke with a woman who told me I have no options, and I will need to use them in a local store and that's it. I told her I was looking to purchase from an online merchant asked her what my other options were, and she said, " you have no options. '' I finally was able to speak to her supervisor, who told me I was typing in the numbers wrong. I re- entered the transaction while he was on the phone and he said he would reset the card and I could try again in 72 hours. Then he ended the call.
Consumer complaint received 2023-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IA)

On XX/XX/year> I noticed several transactions on my checking account I didn't recognize and called Chase to report the charges. They immediately closed my debit card and the representative submitted a claim on my behalf totalling {$950.00} between the dates of XX/XX/XXXX and XX/XX/XXXX of this year. The claim was opened on XX/XX/XXXX and closed 2 days later. I was not contacted by Chase at all and have been without access to the funds still in my account, as Chase wouldn't allow me to use my digital debit card that was added to my account the day after the claim was filed and I still don't even have the new physical card. Chase representatives kept telling me for days I couldn't use the digital debit card because there was fraud on my account, which makes no sense since they denied my claim of fraud! 

I am a single mother of XXXX children. I don't have a lot and {$950.00} might not seem like a lot, but this has caused me to miss a mortgage payment and now my car payment. I had to borrow cash from a friend just to feed my kids over the last week. 

Someone has stolen from me and I can not make it much longer without that money. Everyone at Chase has given me the run around and says the chip was used to make the purchases, so I made the purchases and if it wasn't me to file a police report. I did attempt to do this but was advised there's no proof it wasn't me and I don't know who it was so they can not file a report. 

I've spent countless hours on the phone trying to get someone to listen and all Im told is I need to provide proof. 

I'm desperate for someone to help me and I don't know where else to turn. Please help me get my money back. I'm on the verge of losing my house and can't pay any of my bills or even buy food for my family.
Consumer complaint received 2021-03-31
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: Experian Information Solutions Inc. (PR)

While looking at my credit report I notice the availability of increasing or boosting my credit rating by linking the Experian file to my bank account. After some hours looking for my XXXX XXXX bank names ( I have 2 ) I decide to chat with csutomer service in order to determine the ommision. 

During my conversation with Experian customer service it arises that XXXX XXXX  are usually not listed because they are in the island. Only those with international operations are included such as XXXX and XXXX ( both sold to XXXX XXXX ) and XXXX XXXX. Some credit unions with mainland operations are also listed. But all of the others are not. 

Since our local banks are subject to the same Federal Laws and the island bank industry used these credit reports to approve credit, we are at a disavantage to any American cotizen living outside XXXX XXXX. We can not increase our credit standing with the available tools, and that is basically pure discrination, resulting in higher rates for credit lines, credit cards, loans and mortgages.
Consumer complaint received 2020-03-06
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. (NV)

This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromising of my social security number, and identity theft.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NY)

LVNV Funding LLC, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are in violation of my rights as a federally protected consumer. 
They are in violation of The Privacy Act of 1974 and FCRA. 
They have not given me any notice to opt out although it is my right as a federally protected consumer as per 15 USC 6802-6805 and 16 CFR 313.7 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' LVNV Funding LLC, XXXX XXXX XXXX and XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 
They are in violation of XXXX XXXX XXXX by reporting transactions and also in violation of XXXX CFR XXXX, XXXX, and XXXX Attached is my opt out letter as XXXX, XXXX XXXX XXXX and XXXX services failed to give me an opportunity to do so.
Consumer complaint received 2024-06-23
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (WA)

On XX/XX/XXXX I was sent to XXXX XXXX XXXX. I had no phone or internet to communicate with anyone. I was sent a bill which i didnt receive. I graduated XX/XX/XXXX. I was then sent to XXXX XXXX XXXX XX/XX/XXXX. When I got my phone and went through my email, I saw that a bill from IQ Data International IN. This account was placed on my credit report on XX/XX/XXXX for {$10000.00} without my knowledge. While in Advanced Individual Training, I received a call from IQ Data International IN that this account was opened and I need to pay. I explained to them that I was in Basic Combat Training while this bill was sent and I am requesting the account be delivered off my credit report as it will affect my ability to get an apartment when I leave training. Now XXXX homeless as an XXXX XXXX military member and unable to get an apartment or house to live because of this issue. I was told by IQ Data International IN that the account can not be deleted with full payment. I need help.
Consumer complaint received 2024-06-26
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

This company has no permissible purpose to continue to report negative derogatory damage to my credit report. I settled this account after agreeing to " Pay to Delete. '' When I fell on financial hardship, this company closed my account and has been reporting these damages on all three credit bureaus for over 10 years, even though I paid it. This negative remark has cause me to be in an emotional wreck and distressed. According to 15 U.S.C 1681 Laws, there should not be damages on my credit report as it is a deformation of my character. This company is also in direct violation of my rights to privacy as it did not give them written permission to report anything using my personal information. I was so embarrassed for other credit grantors to see that I once fell on hard times after viewing my credit report.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$XXXX}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.