davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
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. (NY)

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 2023-12-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION (WI)

XXXX XXXX Toyota of XXXX XXXX WI XXXX XXXX would not provide the necessary documentation to my bank to cut a check for a loan I was approved for. They said they would not accept outside financing for a vehicle purchase and attempted to force me to sign for a predatory loan double the APR of the one my bank would provide. 

I submitted a build order in XXXX and they would also not move the sale forward until I signed a form which included " optional accessories '' I did not want including a protective coat called XXXX. I asked if I could have this removed at time of sale and they said yes I could. 

When I said I had financing they were noncommittal on accepting it and said I should just take theirs and refinance later. 

When the vehicle was ready these both turned out to be lies. They said I had to pay {$4000.00} for XXXX or I could not have the car. They have also turned down several people using outside financing. 

I felt this was a scam and did not go through with the deal and lost the car.
Consumer complaint received 2023-04-25
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. (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. 

Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX, XXXX XXXX 
Account # XXXX Name : XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX XXXX Account # XXXX Name : XXXX XXXX XXXX Account # 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 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 2022-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

On or about XX/XX/22 I called XXXX Customer Service ( a number I got from XXXX, which should be legitimate ) to report MULTIPLE attempts to have XXXX MONTHS of UNAUTHORIZED Subscription fees credited back to my Chime checking account. I had already called MANY times before CANCELLING these subscriptions, some never ordered. The XXXX Customer Service Representative ( which turned out to be FAKE and the number a SCAMMER/HACKER number ) had me verify my identity by sending a copy of my driver 's license and a Selfie in order to service my account. I didn't think it strange but found out later that gave him access to EVERYTHING of mine. He had me download XXXX apps ( XXXX XXXX XXXX  ), which I DID think was strange but I wanted my account credited as I had been trying for XXXX  MONTHS to get it credited. I found out later that XXXX is a Spyware app that allows ANY person to access ANY device and ALL the data on it and make it look as if ( with the person 's ID and selfie ) that person is making these transactions from their device and suffer the consequences and financial ruin associated with these transactions. This XXXX transferred {$250.00} to an XXXX XXXX account and STOLE my money! He asked about ALL my other accounts ... XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, etc and TRIED to get MORE money as well as get me to go into XXXX while I stayed on the phone with him and purchase MULTIPLE XXXX XXXX  cards for $ XXXX {$500.00}. That's when I stopped it and hung up! I told him I KNEW then it was a SCAM and ALL my money BETTER still be there. I went from the store ( XXXX ) to the gas pump because I was on empty. The pump stopped at {$2.00}. At that time gas was over $ XXXX gal so I wasn't able to even pump one gallon of gas. I live on a very small fixed income ( XXXX ) and had NOTHING to live on until the XXXX of XXXX, when my check was deposited into my XXXX XXXX card, which he NOW had my account/routing number to as well as ALL my other financial information. I reported this to XXXX, XXXX, XXXX, Chime and FTC. I have tried for all this time to get my money back from XXXX and/or Chime. I didn't get my XXXX CHECKS for 6 MONTHS after that. ALL my insurances and auto payments were CANCELLED, my license SUSPENDED, EVICTED and NOW living in my car, which I have had to pawn the title to about to be REPOSSESSED right before XXXX. I NEED HELP getting all this money back! My credit score was XXXX. Now it's XXXX. It's RUINED my credit and DESTROYED my life! I even went to the Social Security Office and got NO HELP! I have tried for the past 5 YEARS to rebuild my credit but these HACKERS/SCAMMERS have targeted me and have ALL my information. It's been sold on the dark web. What do I do? PLEASE send a copy of this to my email address XXXX XXXX
Consumer complaint received 2024-03-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (OH)

The only reason I know this company is attempting to collect a debt is because I received an alert on my credit report a couple weeks ago. In reality, I have no knowledge of the account with the original creditor and have yet to be sent notice of my right to dispute by the debt purchaser. I disputed the collection account with the credit reporting agency as soon as I saw it and requested validation of the debt and evidence of my obligation to pay it, however the debt purchaser has not provided this information to me and the account remains on my credit report.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

after multiple complaints and disputes i finally heard back from a compliance specialist stating account would be updated i have the letter as proof. everytime i call for an update they state that they have not received any letter from any other department and that my account will remain charged off. i call everyday and i am being hung up on and put on hold and never gotten back to.
Consumer complaint received 2018-11-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

On XX/XX/2018 a XXXX  XXXX XXXX XXXX was purchased by me at XXXX  XXXX in XXXX MA. 
On XX/XX/2018 I read the entire purchase contract & realized that there was an item on the contract that I was not made aware of, or agreed to purchase. The item is XXXX XXXX & the amount is {$1100.00}. The whole amount is taxable. I expected that I could correct this oversite with the dealer so I attempted to do so on XX/XX/2018. I went to XXXX XXXX in XXXX MA to discuss this item with the sales manager who then transferred me to the finance consultant. After stating my position of " nondisclosure '' of the XXXX XXXX charge to my contract, the financial consultant admitted that he had " packaged '' the XXXX XXXX item along with an Extended Service Warranty in order to provide me a discount on the Extended Warranty. However, on XX/XX/18 he told me that the discount for the extended warranty was because I had an XXXX membership & he said nothing about " adding on '' the purchase of XXXX XXXX in order to discount the extended warranty. His parting words to me were, " you signed the contract ''. The company has made no attempt to correct this unscrupulous sales practice.
Consumer complaint received 2024-04-13
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. (NY)

This account was charged off on XXXX on XX/XX/XXXX and has been updating with charge off status in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the status update is XXXX XXXX and the last payment XX/XX/XXXX, XXXXThis account charged off On XXXX on XX/XX/XXXX and has been updating with charge off status in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, The status say charge off and the status update is XXXX XXXX there is no payment history on transunion and the last status update is XX/XX/XXXX XXXX XXXX it reports XXXX potenially negative months, on XXXX it reports XXXX potentially XXXX months.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX Bank XXXXAccount Number XXXX XXXX XXXX a copy of my most recent credit report
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (PA)

I sent in a dispute it took longer than 30 days I complained about the dispute, taking longer than 30 days and the complaint about the dispute taking longer than 30 days, also took longer than 30 days as well
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. I have sent to all 3 credit bureaus with no response and removal of these fraudulent accounts
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (SC)

XXXX is reporting Midland Credit Management date opened XX/XX/2020 in the amount of {$310.00}. This information is incorrect. This is the date Midland Credit Management purchased the account from the original creditor.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (CA)

Bank Of West falsely accuse me of opening a checking account over the Internet during the time of employment. I contact the department that that was not me but I believe my manager disapproved of my work and decided to put me in check systems.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (FL)

My Savings Account Trans Fees being assessed. 

Apparently you can only transfer from checking to savings 6 times in XXXX month. Apparently anytime you transfer after 6 times you are assessed {$3.00} per transfer. 

Apparently this information was provided to me when I initially opened the account, unfortunately I am not able to locate the paperwork from when the account was opened. 

More importantly this is the first month since the account was opened in XXXX of XXXX ; that there have been excessive transfers- perhaps an email notifying the customer hey we see you have exceeded your transfer limits ; just a friendly reminder you will be assessed transaction fees for any additional transfers. ( ( ( Nope - No Notification ) ) ) just taking from your account. 

I asked for a XXXX courtesy refund of some of the transfer fees charged ; it was denied. 

I called the customer customer service line XXXX at XXXX on XX/XX/XXXX and spoke with XXXX.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (FL)

[ XXXX XXXX ] [ XXXX XXXX XXXXXXXX XXXX ] [ XXXX FL XXXX ] [ XXXX ] [ XX/XX/2024 ] XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Against PNC for Mishandling of Funds Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PNC regarding the mishandling of my funds and the poor customer service experience I have encountered. Below are the details of my complaint : 1. **Issue Description** : - I have faced significant challenges in accessing my funds with PNC, leading to frustration and inconvenience. 
- Despite multiple attempts to resolve the issue, I have been given contradictory information and have been run around in circles by PNC representatives. 

XXXX. **Investigation Request** : - PNC failed to conduct a thorough investigation into the issues I raised, which has further exacerbated the situation. 

3. **Provisional Credit** : - On [ XX/XX/2024 ], I was provided provisional credit for certain disputes. However, I was unable to utilize these funds as I did not have a card. 
- Upon receiving and activating my card, the provisional funds were abruptly taken away without a valid explanation. 

4. **Lack of Information** : - PNC did not provide sufficient information regarding the reversal of the provisional credit, leaving me confused and dissatisfied with their service. 

5. **Blame Shifting** : - PNC representatives have consistently shifted blame onto other departments, failing to take ownership of the issues and provide a resolution. 

6. **Overall Poor Customer Support** : - Throughout this ordeal, I have experienced rude and unhelpful customer service from PNC, which has only added to my frustration. 

I believe that PNC 's mishandling of my funds and their lack of accountability and transparency are unacceptable. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the SITUATION Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX ---
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX : Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear XXXX XXXX XXXX, Experian Re : Below Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear XXXX Re : Account Name and Number Below is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act. 
Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX  Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act. 
Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX Below is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act. 
Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2024-03-23
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. (PA)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

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 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
Consumer complaint received 2021-01-15
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: Bread Financial Holdings, Inc. (IL)

On XXXX I made a online purchase from Zales outlet online for two ear rings, it was set for delivery on XXXX and it never came. I called Zales and also Comenity- Zales the credit provider to inform that I never received the items. Zales online services stated that they would provide a credit for the items I didnt receive. They only issued a credit for one of the items, i called Zales again to check the status of My order and was giving a tracking # XXXX to monitor the refund for my order. I have a bill with comenity bank thats pass as of XXXX and Zales hasnt corrected the problem.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

After contacting the bank and letting them know about the problem, the account has continued to remain open and there are additional charges being assessed regardless that they have been asked to close the account and stop any further transactions from posting. The account was charged for items that were not delivered, items not ordered through a closed email account.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The account for XXXX XXXX Bank is fraud and has below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ; 60 days past due ; XXXX date XX/XX/2021 ; XXXX. I have never been affiliated with this company. 


XXXX5 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. Additionally, I don't know this debt.

U.S.C. 1681 c ( a. ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s22 ( A ) ( 1 ) A persons 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.