davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

Chase Representative XXXX XXXX XXXX ID XXXX and branch XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, CA XXXX disclosed personal banking information and accessed personal banking information to share with people as part of a targeted campaign without a proper warrant.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (GA)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX : {$770.00XXXX XXXX XXXXXXXX Balance : {$44000.00} Medical XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I, XXXX XXXX XXXX XXXX XXXX am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ), 16 CFR 433.1 ( b ) and 12 CFR 1005.2 ( b ) ( e ).

I have been scammed for {$10000.00} that was transferred via Bank of America zelle to the scammer, the scammer stopped answering my phone calls and text after receiving the funds. I have filed Claim # XXXX, XXXX and XXXX with Bank Of America to help me recover the funds. 

Bank of America shortly after, closed my claim that told me that they are unable to help me. Bank of America is XXXX of the founders of XXXX. I am really on my last dime, I need that money. 
I need help recovering those funds. The XXXX XXXX XXXX is protecting electronic transfer
Consumer complaint received 2023-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/23 I was a victim of a XXXX scam. I had thought I was purchasing a lawnmower and made XXXX payment installments via Paypal - one to hold the item and the other for delivery. Moments after the final payment was sent, communication ceased. I attempted to cancel the transaction ( same day ) on Paypal and could not. I also tried to contact them, and could not. Unable to reach Paypal, I contact my XXXX banks ( I used XXXX because I had to split the payment ) - XXXX and XXXX XXXX. I also contact my local Police Department fearful of the money loss and also that the scammer had my physical address and knew I was not at home at the time. I have received a debt notice from Paypal and have not been able to discuss this fraud with anyone on their end. I have called numerous times on different days. Attempted to use their chat messenger which is an autobot that sends back to FAQ. I'm at a loss. The transactions were for XXXX and XXXX.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

After numerous attempts to have these fraudulent names and addresses removed from my credit reports and request only name reporting as XXXX XXXX XXXX on my credit report as well as the only address reporting on my credit report as XXXX XXXX XXXX XXXX, XXXX NC XXXX The credit bureaus refuse to remove other fraudulent names and addresses from my credit reports
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OR)

I went in XXXX Lane Bryant to make a payment on XX/XX/2022 for {$45.00}. It was done via account look up on the register. 
The next day I tried to make a purchase and my credit was not available. It was then discovered that my payment was applied to a charged off account from over 20 years ago. 
I called Comenity bank who issue the plcc and was told I would have to file a dispute that would take 30 days. I explained all that happened and during this time, Bread Finanacial was taking over Comenity and doing updates causing upsets to Lane Bryant, Torrid, XXXX, XXXX and more. 
I waited the 30 days and called back only to be told it was 60 days. I was placed on hold for hours and transferred to various departments and each department would give me conflicting information. I requested the funds be applied to my current account as the payment was intended for. I was told I would have to be issued a refund check but would have to send the receipt for the payment yet nobody would tell me where to send it to. I spent several phone calls and hours on hold and transferred over and over and then told 90 days. 
It has been over 90 days so I called and spent over XXXX hours on hold only to be told the dispute was not resolved but they could send me a refund check. I was then transferred to a recovery department who told me she had no idea why my call was transferred there as the account was so old there was no reason to. That person then transferred me back to customer care who said a check would be sent and asked for the email to send confirmation and then told me it it was not eligible. She said please hold and left me on hold for 30 minutes and I finally hung up and currently on hold again.
Consumer complaint received 2022-10-17
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: BARCLAYS BANK DELAWARE (OR)

Received an email on XXXX XXXX, XXXX stating I spent {$15000.00} on my wyndham rewards earner card and earned XXXX Bonus Points amd they would be reflected on my XX/XX/XXXX billing statement. I did not receive those points on my statement nor at my Wyndham Rewards account. I contacted Barclay and the agent told me to wait 1 billing cycle and it would show up on my XXXX Statement. I just received my statement and they are not on there. I called XX/XX/XXXX and the agent said I received the email stating I earned the points, but won't be given them until XX/XX/XXXX. I haven't even received anything on my statements as previously promised, so im taking everything Barclay said as a lie.
Consumer complaint received 2022-12-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.
Consumer complaint received 2023-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name 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 a accounts 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 these 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 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XX/XX/2022 I was reviewing my consumer file and realized I had inaccurate late payments reporting under my accounts which is causing me financial damage. I was not noticed and this wasnt brought to my attention which is a violation to my consumer rights. In pursuant to USC 15 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. There was not reasonable procedures conducted upon this situations and addition a creditor cant report an open ended consumer plan late for any reason. I would like to resolve this issue and just have the inaccurate information removed or updated on my consumer report LATE PAYMENTS : XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX, 2022 Sincerely, XXXX XXXX
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

My account was not overdrawn beforeXXXX on XX/XX/23 and I was assessed 3 late fees. I reached out to PNC and was not provided sufficient proof that my late fees were valid. In addition, there was a pending deposit. I received a notification that my deposit was made at XXXX XX/XX/23 from XXXX and then received a notification at XXXX that my account was overdrawn and needed to make a deposit.
Consumer complaint received 2022-10-17
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. (GA)

I HAVE MULTIPLE ACCOUNTS REPROTING ON MY CREDIT REPORT THAT I HAVE DISPUTED BUT I HAVE NOT GOTTEN NO RESPONSE. I HAVE NOT OPENED THEWSE ACCOUNTS IN MY NAME I NEED THESE CREDIT COMAPNIES TO REMOVE THE ACCOUNT FROM MY REPORT.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I had two credit cards with XXXX. Both cards were charged off by XXXX in XX/XX/2017. I have requested a 1099-G for both cards multiple times from XXXX and they have refused to provide the form for the charged-off accounts. XXXX also continues to report this account as delinquent every month since the charge-off even though the account was closed on XX/XX/2017. I have requested XXXX fix this multiple times, and they have refused.
Consumer complaint received 2022-10-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy. 

15 u.s.c 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 u.s.c 166B : 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 2022-10-18
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)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the Alleged debt, nor therefore any such debt. In fact therefore exists XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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  Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-10-17
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. (LA)

In Accordance with Fair Credit Reporting act all these accounts have violated my rights XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- XXXX 15.U.S.C 1681 section 602 A. States that 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 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (GA)

TD Auto finance employee XXXX # XXXX, during a monitored call with me exhibited extremely rude and reprehensible, unprofessional conduct. She also violated company policy by refusing me the right to speak with her superior, after I asked for a supervisor several times. Instead she opted to argue with a customer/myself! XXXX XXXX held a lengthy conversation with me regarding my account, once I expressed my desire to speak with a supervisor she then opted to inform me that per td auto finance policy she was not allowed to speak with me regarding my account and Id need to contact the third party thats representing TD Auto, to settle my account. Interestingly, XXXX violated company policy long before attempting to use policy as a means of retaliation for me requesting a supervisor. It was fine for her to discuss my account initially but when I want satisfied with the information she had given me and requested a supervisor, then suddenly she couldnt discuss my account. Also, she placed me on hold to contact a supervisor only to return and tell me that her mysterious supervisor said it was against policy to speak to me. I asked for that supervisor name etc. only for XXXX to tell me that she was not allowed to share that information. Which again was a blatant lie. Nevertheless, by her own admission she violated company policy which warrants disciplinary actions aside from her poor customer service.
Consumer complaint received 2024-04-23
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NJ)

Customer Service XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear sir, I have received a letter by mail prepared on XX/XX/24 regarding CFPB case XXXX. Since the content was almost same with the review posted on CFPB portal regarding this report, I just need to say same thing. Since I have seven or eight reward certificates at hand, which were unusable at all, I have asked to close this card ; that means to terminate the service from your company for my financial matters. My friends agreed with this idea why we need to use a credit card, which we expect the reward, but the reward is not usable with some reason. These certificates ending numbers are XXXX, XXXX, XXXX, XXXX, and XXXX which was issued for the replacement of XXXX and XXXX. Since the letter from your company stated that having these reward certificates do not mean I have not used them, even if I state publicly, I have not been able to use them at all. Since there are no means to prove my position that I have not been able to use the reward certificates, that means the reward certificates which were sent with the bills are useless, I want your company to close my credit card officially. I have checked the online account site, and I realized there was the page which showed the freeze card and replace card. Since I have not done any illegal purchases and can not recognize any one at this moment after checking the transactions, freezing card does not make sense. Also, replacing card does not make sure that the reward certificates can be usable in future, since it is the problem of data on your company side. Even though I believe it is the issue of your company to have the reliable data management system, I do not know how to proceed the closing ; therefore, your side should clarify how to close by letter. I am not a native XXXX speaker, and I had many suspicious calls in the past, I do not want to manage these matters on phone. I prefer to have the legal, clear, and official documents as record. Even though your company have stated my reward certificates with me are not usable as if I am doing something illegal, if you can make my {$70.00} reward certificates, please try, and let me use them. 
Sincerely,
Consumer complaint received 2022-12-02
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX XXXX XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX Balance : {$360.00}