davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I purchased tickets through my chase rewards card with XXXX XXXX for 4 family members in the amount of {$1100.00}. The flight got cancelled due to the COVID-19 pandemic. I got a credit for the airfare through Chase with XXXX XXXX. Please see the file attached. Now, in order for me to obtain this credit a Chase representative told me that I have to first purchase new airline tickets with XXXX XXXX only with my own money for same or greater amount of credit. Which I did, see file attached in the amount of {$1.00}, XXXX. I was told that I will then get refunded. Now, I was denied the refund and didnt get the original credit! 

I was trying to resolve this case with multiple Chase representatives and spent more than 20 hours on the phone with them unsuccessfully. 

I am filing this complaint to get a full refund that should include the original credit in the amount of {$1100.00} plus the airfare that I paid in the amount of {$1200.00} for a total of {$2400.00}. Originally, they shouldve let me use my credit of {$1100.00} to buy my new tickets, and I would have to pay only the difference ( $ XXXX {$1100.00} ). However, I was told that to get my credit back, I had to first pay for the tickets out of pocket and then I would be refunded for everything, which is the total of {$2400.00}. If I am refunded ONLY the {$1100.00}, I will still be in debt of {$1200.00}, instead of {$130.00} ( the difference between the tickets ).
Consumer complaint received 2022-08-16
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. (CA)

I have never authorized anyone to make enquiries on my behalf, nor have I done it myself. From XX/XX/XXXX, until XX/XX/XXXX, I sent letters with entire attachments of my personal data and credit reports. However, the requests I made were purposefully ignored and denied, which I thought was unprofessional on the part of the Bureaus. This will be my final effort to ask for all paperwork to be given to me and issued. If my request is not complied with, the following unauthorised inquiries should be immediately removed : XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-11-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OH)

I recieved a deposit to my Venmo account earlier this year for {$45.00}. When I attempted to withdraw my funds my account was locked. It was then unlocked and I regained access. Upon regaining access I tried to withdraw and my account was locked again. After weeks of correspondence with Venmo I was advised that I violated the user agreement. I was then contacted by someone stating that I had another account with a negative balance and that they were keeping my funds to cover their losses however, Venmo is a prepaid service. There is actually no way for an account to become negative. You can only send or receive funds if funds are available. After stating this fact as well as telling them that I only have one account and any other accounts would've been open fraudulently, they refused to tell me how I violated the user agreement. They refuse to explain to me specifically how they are justifying their keeping my {$45.00}. I continually get the run around. They haven't provided me with an option to prove that this other account is not mine nor have they provided me with specifics re : how I violated their agreement. 
They are essentially stealing my money and not telling me why.
Consumer complaint received 2022-08-16
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. (NC)

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I didnt give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX  XXXX {$6900.00} XXXX XXXX XXXXXXXX {$1800.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$41.00} XXXX XXXX XXXX {$39.00}
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (VA)

This company is using unethical tactics to avoid a resolution to my complaint. Their represented told me a lie while on the telephone call while setting up a payment plan. Because of this lie my credit has suffered and this company is not being truthful avoiding fixing the issue. I have tried calling and can get no one on the line with the email sent to me. The company realize my phone number is no listed as do not call. So they are blowing my complaint off. I want this company held responsible for providing false information or I will seek legal representation to subpoena the phone call during the payment plan agreement. This company also had a collection representative answer a phone call without disclosing were were on a recorded line. Which is a collection violation. This company has exhibited unethical behavior over and over and fail to rectify the situation. I guess this company will not understand until legal action is involved. So to avoid this, I asked this company update their reporting with the credit bureaus and remove the 60 day lates. Everything mentioned in this complaint can be found on the company 's phone logs.
Consumer complaint received 2022-08-25
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. (LA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX 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 2022-08-16
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. (MO)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 


XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXXXXXX Balance : {$7300.00}
Consumer complaint received 2022-08-16
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # 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 2022-08-16
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. (OH)

Countless times I have disputed items on my consumer reports. All three companies investigate and then they just take for the word of the actual company that is verified as accurate. None of those accounts are accurate. I have several companies that says that I owe thousands of dollars but Ive never ever had an account with them. Im not sure where theyre getting this information to say that I have, and they have addresses that are listed and those accounts and those addresses are not mine. Ive never lived at any address in Kentucky  and Ive never lived there any other address in Indiana, Texas, California, Maryland. I have lived in Ohio  all my life but there are three particular accounts that they take off my credit report because they figure out theyre not mine and the company adds them back immediately days later. This is causing me a lot of money to keep doing this over and over for over 10+ years and I need a series fix.
Consumer complaint received 2022-08-16
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. (AL)

I am a narural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because according to 15 USC 1681 : I have the rights to privacy and i did not give Equifax written permission to furnish these accounts. 

accounts-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-23
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)

submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2022-08-16
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. (AR)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts any inquires listed below be removed According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : Account Name XXXX XXXX and Account # XXXX, Account Name XXXX XXXX XXXX XXXX  XXXX XXXX and Account # XXXX, Account name XXXX XXXX XXXX XXXX  XXXX XXXX - and Account # XXXX, Account name XXXX XXXXXXXX and Account # XXXX, Account name XXXX Account number XXXX, Account name XXXX XXXX XXXX  Account # XXXX, Account name XXXX XXXX XXXX  Account number XXXX, Account name XXXX XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX XXXX Account number XXXX, Account name XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX  XXXX MI Account XXXX XXXX, Account name XXXX XXXX  Account # XXXX, Account name XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account name XXXX XXXX XXXX  Account # XXXX, Account name XXXX XXXX Account # 's XXXX, XXXX, and Account # XXXX, Account name XXXX XXXX XXXX  Account # 's XXXX, XXXX, & Account name XXXX  Account # XXXX, XXXX XXXX Account number XXXX XXXX. 
Inquires : EQUIFAX MORTGAGE SER and XXXX XXXX
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (CA)

On XX/XX/XXXX I contacted my mortgage company, Sierra Pacific Mortgage, to have the PMI removed from my mortgage loan. They told me I would receive a letter with instructions. On XX/XX/XXXX I received the letter dated XX/XX/XXXX. The letter said I could pay for a BPO, and if the BPO showed the loan to value was 75 % or less the PMI would be removed. According to offers I have received from XXXX and also based on homes sold in the area, my loan to value is between 50 % and 60 %. So per the letter I contacted my mortgage company to pay for a BPO to have the PMI removed. I told the person over the phone that the letter said {$150.00} was due. She charged {$100.00} to my debit card. I received a check back for {$100.00} today, XX/XX/XXXX. I had contacted them on XX/XX/XXXX because no one had contacted me to set up the BPO. They ( XXXX XXXX said they sent me a refund but would now escalate my request because they had made the error by not charging enough for the BPO. No one has contacted me. I called today and there was no assistance offered. I was told by XXXX to wait for the call from upper management. I told XXXX I was going to file complaints against them. She told me they had a department that handled complaints but never directed me to that department. In the meantime they are still charging me {$300.00} for PMI that I should not have to pay. They are obviously trying to avoid helping me. I need the PMI removed so the payment can be reduced and be more affordable. Thank you for any assistance you can provide.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid 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: Chime Financial Inc (NC)

I was charged {$130.00} by XXXX  on Friday XX/XX/XXXX, without my permission. XXXX  admitted to the error but they have been dragging their feet. My cardholder chime ( the XXXX XXXX  ) has twice denied my claim that this charge was fraudulent, and I continue without my funds, even after submitting evidence that my charges were fraudulent. 

I am a single father with full custody, and this has put me in a great financial bind. Im afraid all this complaining will cause Chime to retaliate by deactivating my account, causing me to lose my money for good. I have enclosed a chat with XXXX  admitting to taking the money, as well as Chime refusing my claim.
Consumer complaint received 2022-08-15
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. (FL)

Equifax has violated my rights to privacy. They have also furnished my credit report and personal information with out my consent. Most of this information is false that has been provided to outside sources.
Consumer complaint received 2022-08-15
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: I.C. System, Inc. (GA)

On XX/XX/XXXX l took a look at my credit report and noticed a collection account was fraudulently reporting on my personal credit report. 

I immediately called XXXX to let them know that this identity theft collection account " '' Att U Verse / I.C. System INC ... is a fraudulent account n it does not belong to me. 

The company I.C. System INC. Has fraudulently given XXXX wrong information about an account that l never had. It's fraud. 

This fraudulent collection account is sitting on my report and ruining my good name... and l want it removed please because it does not belong to me. 

XXXX  has not removed this fraudulent collection acount from my credit report as of yet.
Consumer complaint received 2022-08-15
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. (AL)

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

XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section A. Section 2 : It also states that 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 ither adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-05
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. (OH)

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 Account name 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 XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. State 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 reports 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 reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.
Consumer complaint received 2022-08-15
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: FORD MOTOR CREDIT CO. (OR)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 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 2022-08-15
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)

In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I have sent out letter numerous of time regarding the inaccurate and unfair information report on this account. UNDER the FCRA, credit reporting laws ensure that bureaus report only 100 % accurate credit information. Therefore, I demand this account be UPDATED/CORRECTED immediately before legal action is taken!
Consumer complaint received 2019-12-05
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: DISCOVER BANK (SC)

I needed ADA compliant mats for a mini golf business I was trying to open with my husband. 
I purchased mats advertised as ADA compliant with my Discover card from http : XXXX We installed per their instructions The mats were declared not ADA compliant by the city I live in and we were not permitted to open our business. We were unable to open our business because we had no money left to purchase new mats. We had to sell everything we had purchased for an enormous loss. 
We sent the mats back ( XXXX  organized shipment to and from our store ). We asked for a refund. XXXX said they do not give refunds and we should have checked with this city before purchasing. They offered a 50 % restocking fee We disputed the charge with Discover. Discover said the charge was valid because we had signed approving the charge, despite the fact that what we were told we were purchasing ( ADA compliant mats ) is NOT what we received. 
Per my Discover credit card agreement, I tried to start arbitrage, but Discover refused to pay the filing fees, despite the fact that agreement says they will pay. 
XXXX has the mats and the money ( they said the mats were damaged in transit, but they arranged transit -- so they lowered the offered refund to {$800.00}, but never paid it and stopped replying to e-mails inquiring where the refund was ), XXXX collected their fees, and we have nothing.
Consumer complaint received 2022-08-15
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. (MI)

I mailed in letters before XX/XX/2021 asking XXXX, XXXX and Equifax who they validated a bankruptcy that is reporting on my credit file. None of them sent a letter back with the answer, so I called all three and they all said they validated the information from the US bankruptcy court and XXXX. I reached out to XXXX and the US court. The court sent a letter back to me stating they don't validate this information nor do they work with the credit bureaus. XXXX sent me a letter back stating it was removed and its not on their credit file. I sent in dispute letters to XXXX, XXXX and Equifax showing them that they could not have validated this information because its not on XXXX report and the us court does not validate this information so there for it should be removed.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (TX)

So I have been a victim of identity theft with Oklahoma unemployment insurance and XXXX unemployment insurance I was XXXX  for 20 months during the time of the victimizer using my information to obtain multiple payments I have reached out to XXXX XXXX  and Oklahoma go program I have provided all required documents showing my XXXX  and other supporting evidence just to be denied I really need help retrieving all the money that was stolen from me during my XXXX. I have been lied to and no resolution for my case has been provided except denials I dont know what else to do