davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

The below letter from Bank of America is full of errors. 

On XX/XX/XXXX, I went to XXXX and bought a plane ticket using my Bank of America ( BA ) credit card. The ticket was to XXXX on XXXX XXXX. When I got to the airport the airline worker refused to let me on the plane because I did not have a visa to enter XXXX. I told her I was going to stay in the XXXX airport while changing planes. She still refused. It takes many days to get a visa for XXXX. She refused to issue a refund. So did her boss. The emails from XXXX and XXXX when I bought the ticket did not mention that I would need a visa just to change planes and not leave the XXXX XXXX. 

On XX/XX/XXXX, I spoke by phone with BA worker XXXX. I gave her the above info. She disputed the charge and told me if BA needed more info from me I would get a message in the " message center '' on the BA web site within 10 business days. I did not get a message in that time frame. Please direct BA to issue a refund for this charge, which appears on my credit card bill as XXXX, not XXXX or XXXX. Thank you. 



-- -- -- -- -- -- - XX/XX/2022 Account number ending in : XXXX Case number : XXXX XXXX XXXX We completed our investigation of the {$300.00} charge ( s ) from XXXX XXXX XXXX XXXX XXXX. 

We've thoroughly reviewed the details of your dispute ( s ), and based on the information we received, we're unable to pursue your dispute ( s ) further. 

- We didn't receive a letter specifically describing the service ( s ) you were to receive, the merchant 's failure to provide the service ( s ), and the details of your attempt ( s ) to resolve the situation with the merchant. 

- The merchant was willing and able to provide the service, but was prohibited from doing so as a result of circumstances beyond their control. 

If we previously issued credit ( s ) to your account, the charge ( s ) will be rebilled and will appear on your monthly statement. At this time, we consider your dispute ( s ) resolved and the balance is owed as stated in your Credit Card Agreement.
Consumer complaint received 2022-07-31
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: LEXISNEXIS (TX)

In Accordance with the Fair Credit Reporting Act XXXX Reference # 's XXXX and XXXX has violated my rights.

15 U.SC. 1681 section 602 A, States : I have the right to privacy.

15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions.

I have disputed this information several times and I keep getting the same result Under the FCRA, section 609, I am requesting all information related to debts listed on my credit report. It states that I am entitled to all documents related to each item, including each original credit application and contract containing your signature. XXXX refuses to provide that information.In addition to requesting information about items on my credit report, I am requesting that if they can not verify the information by locating the original contract or other documents necessary to validate the bankruptcies on my credit report, they must remove them immediately. 

Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. I asked experian how do the verify the information and they stated with the courts.I called the courts and they stated they do not provide that information to any of the credit bureaus. The credit bureaus get that information from public records like lexis nexus. 

I will not accept another reinvestigation of the information Only deletion of the information
Consumer complaint received 2022-10-24
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. (NY)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CA)

Received a letter lowering credit limit from {$8500.00} to {$500.00} after card was paid off in full. Letter stated reasoning as ( one or more chase cards is delinquent, Bankrupt, or in a payment program Amount above the required minimum on some chase cards is low, Credit Report shows delinquency, Public record or bankruptcy one or more credit cards are over limit ) which in all cases are false and do not apply to me. I feel that JPMorgan Chase Bank applied the wrong identity information or falsified information to lower my limit due to the situation of the pandemic. Ive been in good standings with Chase and all credit cards. I possess only one credit line with Chase. This situation hurts my credit score tremendously. Which effects my future credit standing in this unforeseen times of need.
Consumer complaint received 2022-07-31
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. (MS)

In accordance with the fair credit reporting act the list account below has Violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A
Consumer complaint received 2022-07-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (TX)

I was XXXX for 3 months, when I was XXXX I called chase and made arrangements with them to make at least one payment, which I did on XX/XX/2022, yet my vehicle was repossessed on XX/XX/2022. 

when I called for redemption of the vehicle, Chase asked for full payment of the remaining loan. {$15000.00}. 

I pleaded with them to make some payments to bring the payment up to date, but they refused, asking for the entire balance of {$15000.00}. 

I believe this to be unfair treatment, given that I had an impeccable record with them prior to XXXX XXXX, and I have shown a willingness to pay the debt also, the vehicle in question is my only livelihood
Consumer complaint received 2021-06-09
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. (NY)

As a consumer and the one with ALL THE POWER, these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. Erroneous RESULT OF The Equifax XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. SO If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). please see attached invoice and pay it immediately upon receipt of this letter.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2022-07-31
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. (DE)

In accordance with the Fair Credit Reporting act XXXX Account 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.
Consumer complaint received 2022-09-26
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. (GA)

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX SERVICES XXXX Date opened XX/XX/XXXX Balance {$55.00} US DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX {$89000.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2021-11-25
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. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/2019
Consumer complaint received 2022-07-31
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, U S DEPT OF EDXXXX, XXXXDEPT OF ED / XXXX has violated my rights . 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (MS)

My debit card and my identity with all my private information was stolen and used to make several unauthorized ATM withdrawals and unauthorized Transactions during a 30 day span from XX/XX/XXXX thru XX/XX/XXXX starting with ATM withdrawal amount of {$62.00} {$2.00} another in amount of {$82.00} {$1.00} {$2.00} another in amount of {$2.00} {$1.00} {$1.00} XXXX {$1.00} another in the amount of {$42.00} {$1.00} {$1.00} {$1.00} another in amount of {$200.00} {$2.00} {$1.00} and another in amount of {$62.00} {$2.00} then there were merchant purchases on XX/XX/XXXX at XXXX XXXX XXXX in the amount of {$9.00} a disputed transaction at XXXX 's on XX/XX/XXXX amount of {$5.00} unauthorized transactions on XX/XX/XXXX at XXXX XXXX amount of {$8.00} XX/XX/XXXX at XXXX XXXX amount of {$10.00} XX/XX/XXXX at XXXX  amount of {$8.00} again XX/XX/XXXX {$6.00} XX/XX/XXXX amount of {$13.00} and again XX/XX/XXXX amount of {$5.00} XX/XX/XXXX at XXXX XXXXr amount of {$63.00} XX/XX/XXXX XXXX XXXX XXXX XXXX amount of {$6.00} and {$7.00} XXXX XXXX   amount of {$38.00} {$2.00} XX/XX/XXXX {$11.00} and {$5.00} XX/XX/XXXX at XXXX 's amount of {$21.00} XX/XX/XXXX {$8.00} and XXXX amount of {$110.00} XX/XX/XXXX XXXX XXXX  amount of {$32.00}
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (OH)

On XX/XX/XXXX I received an alert that a {$6000.00} check cleared my account. I did not write or authorize this check, so I immediately called the bank to report it as fraud. They looked at the check and the agent said it was clearly a fraudulent check at first glance to her. She transferred me to the fraud department, my account was closed, a new account was opened, and they mailed me a check claim affidavit. I completed this form and uploaded it on XX/XX/XXXX. I heard nothing from the bank so I called them 2 weeks later and was told that I filled the form out incorrectly and would need to fill it out again. They said they would mail me another form, which I did not receive, so I called them and they sent a new form to me several days later. After receiving the new form, I called the bank and talked to an agent to make sure I completed the new form correctly. I uploaded the new form on XX/XX/XXXX. I received a called today saying the form was filled out incorrectly again and would need to be redone. Now I will have to wait to receive another form by mail, complete it again, upload it again, wait another 2 weeks before it can be reviewed, and see what happens. This means that it will be over 3 months just to get my claim submitted. This is completely unacceptable! In the meantime, I'm out {$6000.00}.
Consumer complaint received 2022-08-23
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. (VA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2018-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I was told I was putting {$200.00} as a down payment for a puppy to be shipped from XXXX XXXX. Upon asking for tracking information and flight information, the seller would not answer any of my communications. I politely asked him to send a refund through PayPal where the payment was transferred. He would not reply. 

You sent {$200.00} USD to XXXX XXXX Transaction Details Transaction ID : XXXX XX/XX/2018 SENDER RECIPIENT XXXX XXXX XXXX XXXX XXXX XXXX The person spoke with my husband and his name is XXXX. The email states XXXX. He told me last night the puppy was checked and in good health and this morning when I asked what was taking so long for flight info, he said he had to take it to the vet.
Consumer complaint received 2022-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

So I have problem with my PayPal account, they limited or blocked my account. I have followed their policy, previously they didn't give any warning or anything like that. Initially I received about XXXX from a software company partnership. On XX/XX/2022 I withdraw into my bank account about XXXX. Then the remaining funds I withdraw to the bank again on XX/XX/2022. A few days later on XX/XX/2022 they limited my account. I have filled in the data they asked for but this is not working. I hope CFPB helps me in this matter, as I can no longer access their platform. Thank you, best regards.
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (NC)

XXXX - XX/XX/XXXX Equifax XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous Sporting Goods XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX CRED Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX Miscellaneous Home Furnishings XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Home Furnishings XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (CA)

They state a scheduled payment plan, but they don't tell you that there's daily interest incurred so that you never actually pay off the loan in a fair and reasonable manner. They don't even state how much interest you incure daily anywhere on your account profile or in reasonable contract areas in bold. They also have a glitchy scroll option when reviewing terms and signing things I feel are to disscourage you from reading in depth the fine print before signing off on predatory loan contracts and deals with them.
Consumer complaint received 2018-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kashia Services (CA)

XXXX XXXX issued a loan to someone who applied using my personal Info since the person who took the loan defaulted they are trying to come after me.

I have a Consumer alert indicating my information was stolen, i also have a police report and FTC affidavit.
Consumer complaint received 2018-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

I had initially applied for a Gap store credit card back in XX/XX/2018. On XX/XX/2018, I attempted to use this card at a Gap store by having the store associate look up my account with my SSN. She attempted this 2 times, but on each occasion she said that the was no record of my Gap store credit card. She then mentioned that the the credit card could become cancelled due to lack of activity. She then said that I could take advantage of the promotion on XX/XX/2018 by re-applying for a new Gap store credit card, which I did. I was approved and able to make the purchase. Today, XX/XX/XXXX, I decided to double-check whether my original Gap store credit card was cancelled by calling up Synchrony 's customer service number in the back of the card ( XXXX ). The representative had mentioned to me that my card became inactive, but as long as I activated the account would be good to use. Needless to say, I'm frustrated by the misinformation provided by the Gap   associate and needlessly opened a 2nd Gap store credit card, which will obviously impacts my credit bureau. I would like to ensure the CFPB is aware of situations such as these, where Synchrony ( or any financial institution issuing the credit card ) and respective stores facilitating the applications for store credit cards, have the appropriate processes in place to avoid consumers from being mislead to open up new accounts. If you need further information from me, please don't hesitate to reach out. 

XXXX