davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
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: SLM CORPORATION (NC)

I am having been having major issues with my Sallie Mae credit card. First, I disputed two charges for {$640.00} and {$590.00} for the merchant XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). As I disputed these charges my account got restricted. I spoke to Sallie Mae representatives multiple times and I was told that it's due to suspicious activity. I also spoke to one of the managers and she stated that I must provide them with a copy of my ID, 3 months ' bank statements, and pay the outstanding balance in full before I can use the card. This was only after I submitted a complaint with CFPB and XXXX  that Sallie Mae realized that restricting me from using my account was unlawful and they immediately lifted these restrictions. 
As far as the chargeback being denied, Sallie Mae must provide a written explanation and supporting documents showing that I owe this money. None of this was sent to me. The only written statement about the dispute being denied I saw on the CFPB portal. I am requesting an explanation, supporting documents and appealing the dispute. 
I already explained multiple times to Sallie Mae that the service WAS NOT provided as agreed. As a result of XXXX  XXXX I incurred losses, damages, and suffering. THIS IS NOT WHAT I PAID FOR. 
I also provided sufficient documents and evidence confirming third-degree burn injuries after the XXXX performed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, NC XXXX XXXX 
Sallie Mae also made the decision about denying my chargeback request BEFORE they got all the documents, knowing that I sent them all the supporting documents relating to the dispute. 
The other veterinarian confirmed in writing that these injuries are third-degree burns. 
The documents provided show that XXXX tried to mislead us and lied claiming that the burn injuries from a heating pad were a reaction to the medication. 
Since I already tried to resolve this in a good faith with the merchant directly and he is not willing to cooperate. The charges are reversible and the dispute is valid. 
I also will be forwarding this to Attorney General, Federal Trade Commission, XXXX, and other Government Agencies. My request for a chargeback is totally justified.
Consumer complaint received 2019-10-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened saving account in HSBC on XX/XX/2019 at XXXX, CA. The HSBC worker suggested me to open overdraft protection. Actually, she opened Line of Credit for me. And it incurred a hard pull and new credit account which impacted me credit score a lot. I did need overdraft protection and she did NOT tell it would have credit score impact. I want to repair my credit score!!! 

Thanks.
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX THESE ARE ALL ACCOUNTS THAT SHOULD NOT BE ON MY EQUIFAX
Consumer complaint received 2022-04-14
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. (CA)

I've written numerous letters to TransUnion regarding inaccurate/negative items reporting on my credit since XXXX of 2021. Since then, they have continued to ignore my request to remove these inaccuracies from my credit profile. XXXX and XXXX have since deleted these inaccuracies, but TransUnion continues to ignore my request to have false information removed.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I received an email today notifying me that capital one closed my card due to inactivity. I never received any notification nor email prior advising this. They also did not call nor mail me anything. I called and they said i have to re apply and can not re open. This is a way for them to grow there sales and is not right.
Consumer complaint received 2022-04-14
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$22000.00} 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 intrusions.
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dispute for XXXX and XXXX took month and a half with no changes to file, no information was used that they received, and they did not update files to reflect correct amount. They just say are " experts '' have verified. They do not assist at all with inputting correct information
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

We recently established Private Client relationship with Chase Bank on XX/XX/XXXX Soon after ( don't know if was coincidence or because of establishing Private Client Relationship ), we received offer for My Chase Plan/ no fees for the first plan set up for purchase on credit card accounts by XX/XX/XXXX Made charge of {$16000.00} on XX/XX/XXXX using our Marriott Bonvoy Card Once charge was no longer pending, attempted to utilize My Chase Plan offer ; noticed fees included in My Chase Plan offer. 

Called customer service on or around XX/XX/XXXX for in attempt to resolve ; customer service was unable to resolve & said issue would be escalated & we would receive answer in mail Answer in mail basically said offer could not be located or found and there was nothing that could be done to honor the offer I called customer service again with no resolution ; customer service suggested sending a secure message through our website login to resolve I sent multiple emails beginning in XX/XX/XXXX as a secure message including screenshots showing the offers we were receiving ; response was same/ similar conversation w/ customer service & response letter I reached out to my personal Private Client banker at the XXXX, CA XXXX XXXX on XX/XX/XXXX to express my frustration with the response to my issue. I sent her emails with the same information I had sent through secure messages. She said she attempted to find a resolution but was unable to. She said my problem had been escalated but to date not have not received any response I continue to receive offers of no fees for first My Chase Plan set up, now before XX/XX/XXXX. Offer is still not honored when attempt to set up My Chase Plan ( fees appear ) We would not have utilized this credit card or made the charge of {$16000.00} if the My Chase Plan offer had not been present
Consumer complaint received 2022-04-14
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)

I have contacted Transunion, XXXX, XXXX numerous times in regards to my personal credit report concerning inaccurate reporting. Unauthorized inquires, I have a fraud alert on my credit report though Transunion still allow my credit to be checked, also wrong addresses, phone numbers, and place of employment.
Consumer complaint received 2022-04-14
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  ACCOUNT # XXXX ; Amount : {$1800.00} XXXX XXXX  ACCOUNT # XXXX ; Amount : {$3800.00} XXXX XXXX ACCOUNT # XXXX ; Amount : {$22000.00} 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 intrusions.
Consumer complaint received 2022-04-14
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX 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 an account without my written intrusions.
Consumer complaint received 2022-04-14
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. (NV)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 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 is not information relating to any transaction by the consumer.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent accounts and fraudulent inquiries, along with my statement ).
Consumer complaint received 2022-02-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MO)

Complaint # XXXX XXXX XXXX sends out a monetary demand to company and employee 's there of Caine and Weiner for FRAUD and Fradulently reporting to the XXXX credit bureau 's causing XXXX XXXX 's credit to decrease by XXXX points. This Fraud cost and harmed XXXX XXXX causing a XXXX which hindered the purchase of business equipment. Due to pain and suffering XXXX XXXX request {$1.00} XXXX dollars of true currency backed by gold and/or by way of bitcoin. Due to this error. Please acquire through CFPB banking information as to where your company or bonds/insurances may present payment. 

Thank you in advance, XXXX XXXX.
Consumer complaint received 2024-06-04
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: GOLDMAN SACHS BANK USA (PR)

I WAS IN XXXX FOR VACATION IN XXXX, MY XXXX WAS STOLEN ( PICKPOCKETED ) IN THE XXXX. I HAD TO CARD LINK TO MY APPLE WALLET, THE APPLE CARD, AND THE XXXX XXXX CARD. THE THIEVES HAD ACCESS TO MY APPLE CARD AND MADE 4 " PURCHASES '' FOR THE AMOUNTS 1 ) {$480.00} 2 ) {$480.00} ) {$1200.00}, 4 ) {$1200.00}. THEY ALSO HAD ACCESS TO MY XXXX XXXX CARD, BUT THE COMPANY RESPONDED PRONTLY. I FILED A COMPLAINT THE NEXT DAY, CHANGED MY APPLE ID, REPORTED THE PHONE WAS STOLEN SUSPENDED MY APPLE CARD. THE GOLDMAN SACHS BANK " INVESTIGATED '' MY COMPLAINT AND THEY CHARGED BACK TO MY CARD THE FRAUDULENT CHARGES. I COMPLAINED ONCE MORE BUT THEY ARE ONLY INVESTIGATING XXXX OF THE 4 CHARGES. I TEXTED THEM VIA THE APPLE APP, ASKED TO TALK TO THE FRAUD DEPARTMENT, THE PERSON IN CHARGE, THEY DID NOT GIVE ME ANY INFORMATION, I ASK FOR THE BUSINESS THAT CHARGED THE FRAUD, NO EXPLANATION, I ASKED TO SEE THEIR RECEIPT, WHAT CITY IS THIS BUSINESS FROM, WHAT TYPE OF BUSINESS IS, IF THEY HAVE MORE COMPLAINTS, ABOUT THEM OR THERE ARE REPORTS OF THAT BUSINESS AND THEY DONT PROVIDE ANY INFORMATION.
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I purchased an item from XXXX and it arrived severally damaged. I refused the package and XXXX returned the item to the vendor. XXXX wouldn't give a refund for the damaged order so I went with a bank claim through Santander. Santander refused my claim without allowing me to submit evidence on the matter and cited XXXX as who I should be disputing with. I have the proper evidence to back up the claim but was never given an opportunity to explain my case. I was never given a chance to explain my side and and was met with poor customer service on Santander 's end. They wouldn't even allow me to reopen the case or give a rebuttal ; with what would have been irrefutable evidence to support my claim.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, bM For the following accounts : I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. This is the letter i sent to the credit agencies for the following accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX
Consumer complaint received 2018-09-09
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. (IL)

I have been a victim of fraudulent activity on my credit. I have a FTC REPORT NUMBER XXXX. For two accounts. XXXX XXXX ACCOUNT # XXXX and XXXX Account # XXXX. Both accounts have been removed and or block by other CRAs. But your company Equifax has lied and stated account verified. How dare your CRA breaks the law and not block these accounts immediately. All Fraud must be remove that is the federal government law. No if and or buts about it. But its not a surprise your company is openly breaking the law. This is the same agency that leaked millions of Americans information. If your CRA does not block these accounts immediately I will be filing legal action against your company immediately.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (AZ)

I have been a Chase Bank customer for over 20 years and after I submitted a complaint due to illegal fees they closed my accounts. I have always paid my credit cards on time and been a great customer. They brazenly closed my accounts after I filed my complaint. They reported to the credit bureau that they closed my account and my XXXX score decreased due to their reporting. I am requesting what they reported to the credit bureau because I have always paid my credit card and loans on time and have stellar credit.
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (TX)

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the authority to decline or rescind but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. There's an account from XXXX XXXX XXXX XXXX XXXX reporting on my consumer report that is pass the 7 year mark. I understand that after 7 years, that any delinquent or derogatory account must be removed from a consumer 's credit report. I receive no benefit whatsoever for this account to still be reporting on my consumer report. Pursuant to 15 USC 1681 ( a ) ( 4 ), this is an invasion of my privacy.
Consumer complaint received 2022-04-14
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. (GA)

In accordance with the Fair Credit Reporting Act, inquires XXXX- XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VERIFY 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 intrusions.
Consumer complaint received 2022-04-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (IL)

I exercised my right of rescission as a result of XX/XX/2022 due to failure to provide me the following mandatory T.I.L.A required disclosures below and such rights in accordance with the regulations of the Consumer Financial Protection Bureau : 1. the creditor must deliver the notice of right to rescind to each consumer in the transaction 12 C.F.R. section 226.23 ( b ) ( 1 ) ( i ) - ( v ). 2. the notice must disclose the requisite information clearly and conspicuously 3. The consumer 's right to rescind the transaction 4. Information on how to exercise the right to rescind 5. the effects of rescission 6 the expiration date of rescission ( 3 days-3 years ) 7 to satisfy the notice requirement, the creditor is required to use model form in Appendix G form or the one substantially similar. none of the above did I receive from Onemain violating 12. C.F.R. section 226.23 ( b ) ( 2 ). Onemain is ignoring and refusing to execute my rescission rights thereby, being non-compliant to the regulations of the Bureau 12 C.F.R section 226.23 ( d ) ( 1 ) and 12 C.F.R. section 226.23 ( d ) ( 2 ). It appears Onemain and its officers are intentionally refusing to comply with the regulations of the Consumer Financial Protection Bureau, T.I.L.A. Regulation Z, and the U.S. Supreme Court Order and Decree on JESINOSKI v. COUNTRYWIDE HOME LOANS, INC.

729 F. 3d 1092 whereby borrower need only provide written notice to a lender in order to exercise right of rescind.