davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: JPMORGAN CHASE & CO. (CA)

Urgent Assistance Request Account Restriction and Negative Balance Dear CFPB I hope this message finds you well. I am writing to seek urgent assistance regarding a distressing situation with my Chase Bank accounts. 
Overview of the Situation : On XX/XX/XXXX, my checking account was unexpectedly restricted and slated for permanent closure within XXXX business days, citing multiple claims being filed in a short period. Despite all claims being in my favor ( with supporting letters ), my account remains restricted. 
During this period, I was unable to access both my checking and self-directed brokerage accounts, causing significant distress. Account Restriction Details : Despite numerous calls and branch visits ( approximately XXXX calls and XXXX branch visits ), I couldn't obtain a clear explanation or resolution. 
XXXX weeks later, I regained access, but my checking account had a negative balance. Although I possess sufficient liquidated funds in my brokerage account, attempts to transfer and resolve the negative balance on the overdrawn account were declined ( i have proof of the regected deposit ). 
Financial Impact and Credit Score : This situation is adversely affecting my financial stability and credit score. I urgently need your assistance in resolving this matter to prevent further harm.

Requested Actions : Investigate the circumstances leading to the account restriction.

*Facilitate the resolution of the negative balance using available funds in my brokerage account. 
*Provide guidance on ensuring my checking account remains open until the balance is satisfied. 
*Enable the transfer of funds from my brokerage account to an external bank account. 
Documentation : I am willing to provide all relevant documentation, including claim letters, account statements, and any other necessary information. 
I appreciate your prompt attention to this matter. The sudden loss of access to my funds has created severe financial challenges, and I am hopeful for a swift resolution.Thank you for your assistance. 
God bless.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX XXXX  and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I applied for credit at several places and was denied due to a security alert I never placed on my credit reports/bureaus. Now I have hard inquiries on my report that I feel should not be there since I never authorized such security alerts etc. My most recent denial was with XXXX XXXX store, spoke to them and they advised they couldnt verify because of security alert.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am attaching a photo from the Equifax data breach settlement it shows my claim number of XXXX. Due to the unlawful sharing of my personal informantion by XXXX there are accounts reporting to my credit that are not mine. The account details or said accounts are listed below, I am requesting that they are removed immediatly as they are having a negative impact on my business and well being. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have alredy confirmed that these accounts dont belong to me and therefore I am requesting they be removed immediatly. There is also an inquiry on my Equifax credit report that is not mine and I am asking this to be removed as well. Thank you for your time and consideration.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NJ)

In XXXX, I noticed on my PayPal account there were numerous charges for {$5.00} and {$10.00} throughout the account. I reached out to PayPal. They closed the account in XX/XX/XXXXXXXX  and agreed that it was indeed fraud. This should have been resolved, then in XXXX  when going to make a purchase and they need to check my credit, I see on my credit report that the account was closed as a " charge off '' and not fraud as stated in XXXX. This is a huge error that has affected my credit score and it's unfair for PayPal to make such a huge error. I have been trying to clear this up since I found out a few months ago. They are being very nonchalant about this. They do not care that they have ruined my credit score. I want it resolved asap.
Consumer complaint received 2023-12-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Bank sent an outstanding credit card balance ( from a fraudulent credit card ) to XXXX XXXX XXXX. This collections agency then contacted a lawyer ( XXXX XXXX XXXX XXXX XXXX ) who forced me to pay {$1800.00} to settle this [ fraudulent account ] or take me to court. I never received any communications from Synchrony Bank or XXXX XXXX XXXX ( as they were sending me letters to an old address from where I moved out 8 years prior ). The first person to contact me at my current address was the lawyer, who was sending me the lawsuit notification. Thus, I was not notified properly regarding this debt collection. So, after I paid to settle the case ( the other option was going to court ), I then received a letter 2 weeks later from Synchrony Bank dated XX/XX/2023 stating that I was correct and the credit card was indeed fraudulent. I tried to contact the bank and XXXX XXXX XXXX and the lawyer to get my money back however all they keep telling me is that they will investigate and will get back to me in a week. Over 6 weeks have passed and I have contacted them again and they still say they will investigate. 

In brief, Synchrony Bank and XXXX XXXX XXXX failed to conduct reasonable investigations of disputed debts and failed to inform consumer reporting companies that information was being disputed, AND they continued to attempt to collect disputed debts without substantiating documentation and without properly notifying me prior to a lawsuit being sent to my [ correct ] address. 
The first action violated the Fair Credit Reporting Act and the second violated the Fair Debt Collection Practices Act. 

Please note I submitted 2 other complaints regarding this matter which were already closed. However, I now have proof from Synchrony Bank that this was indeed fraudulent and not opened by me. 

I also spoke with XXXX at CFPB on the phone regarding the update on this case. I will attach the latest letter from Synchrony bank stating that this was indeed a fraudulent account that was NOT opened by me. Thank you
Consumer complaint received 2023-12-27
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK (CA)

I am XXXX XXXX XXXX and I was the victim of a phone credit card scam by a company called Freedom Financial Services ( or US Debt Validation Finance Solutions, they switched back and forth during the call ). They called me on XX/XX/XXXX and claimed that someone had opened a XXXX checking account in my name. The man on the phone then supposedly " cleared '' the fraudulent charge before transferring me to a different " department '' where a lady named XXXX XXXX ( XXXX ) tried to convince me to charge {$15000.00} to three of my credit cards. 

She said that as soon as I had consented to let them charge my cards, her law firm would negotiate with my creditors to reduce my debt between 60 and 100 percent ; I would just have to let them close my existing credit card accounts and issue me different credit card of their choosing. They read me my social security number over the phone along with the last four digits of the three credit cards and their current balances but insisted I tell them the full credit card number, the CVV code on the back and other personal financial information. Thank goodness my sons came home when they did and stepped in or I would have lost thousands! I still had to cancel the three cards and will need to monitor my accounts for the next few months. 

Watch out for Freedom Financial Services, they are untrustworthy and take advantage of the elderly.
Consumer complaint received 2024-11-22
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: U.S. BANCORP (CA)

I ordered a product online in XXXX of XXXX and the package arrived in XXXX of XXXX. Then the website asked for a payment type, I entered in my card from US Bank but the website took me off and never confirmed then transaction, I tried to go back on the website but it wouldn't let me back in nor to see. Then I thought that the order wasn't placed due to the fact that it wouldn't allow me back on the website. In XXXX I received my package so I paid US Bank {$130.00} for the package. In XXXX I get the same exact package and paid US Bank again, but I returned the package and called US Bank to stop paying for the product because I had already returned it and I only ordered one. In XXXX US Bank sends me another bill for {$130.00} even though I didn't order another package and thought they had already canceled the payments like I asked them to. In XXXX the same package comes in again from the same company and US Bank paid for the package even though I told them to cancel the payments. So I called US Bank again to ask why would they continue paying for the packages and told them again to cancel the payments. In XXXX I got another package and US Bank did the same thing again and I got frustrated because the payments were being done even though they were supposed to be canceled and I kept returning the products. I called US Bank they suggested to call the company that I bought the products off of and they wouldn't answer the phone or even give a call back. I call US Bank again to ask why. the payments were still being made and the employee suggested to change my card number so we did. To make a complaint for the two payments being made I sent a letter to US Bank so my error was to not make copies of the complaint. According to the company they never received the packages and US Bank never received my letter but they received my money perfectly fine. Since XXXX I've been constantly calling US Bank to fix the XXXX payments being made and US Bank has done nothing about it. The only thing US Bank did was mess up my credit and closed my account. In XX/XX/XXXX. XXXX I paid them {$260.00}. I didn't pay them for the payments they've been after telling them many times to cancel the payments. I hope you guys can at least help me in something.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Accounts in question : XXXX XXXX XXXX XXXX I mailed dispute letters to XXXX, XXXX, and TransUnion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are received per my credit report stating, " account disputed by consumer ''. They never sent documentation of their investigation proving how they determined the accounts to be accurate. 
PER the FCRA section 623 & Regulations V a furnisher must not furnish inaccurate information to CRA, and that the furnisher ( credit bureaus ) must investigate a consumer 's dispute that the information is inaccurate or incomplete. 
How is this being accomplished if documentation required by law is being honored. I requested. 
1. An agreement with the creditor that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature, demonstrating my agreement to assume debt.

3. Valid copies of the debt agreement, clearly stating the exact amount of the alleged debt and any interest.

4. A complete and detailed payment history for this account, along with a comprehensive itemization of all additional charges being assessed. 

PLEASE DELETE THESE UNVERIFIED ACCOUNTS
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

There is a charge I saw on my credits recently for back 1998 that I dont recognize. Its fraud. I dont know anything about the charge to my credit until now. This charge is very long time. Some one use my name and tried to ruin my credit. Also there is another charge for chase. I have financial agency to help me for the chase payment balance. I am paying the financial agency every month to pay off the balance. There also there is so many names on my credit. It should be XXXX XXXX XXXX. No wonder my credit not good. Someone tried to ruin my credit from 1998.
Consumer complaint received 2023-12-28
Product: Credit reporting 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. (FL)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (OR)

I communicated to Chase Bank N.A. directly and have been given multiple promises of communication within one to two business have weeks go by with answers. I first communicated with them on XX/XX/ and they have yet to respond. As the original cardholder and holder in due course, I exercised my right to initiate a consumer credit transactions with Chase Bank N.A. to open a credit account. According to federal law ( 15 USC Section 1602 ), a " credit card '' includes any device used to obtain credit, which I have granted your corporation. I am well aware of my rights as a consumer, and credit is a right granted by me, the creditor ( 15 USC Section 1602 ( f ) ). They denied my application, my right to extend credit, and discriminated against me. Additionally, reporting to consumer reporting agencies is voluntary, and I did not receive proper information to opt out. Additionally, I have not received any benefits from the use of my credit. The denial of my right to extend credit has caused me severe financial, discrimination, emotional, and mental distress. Also, I was deprived from my disclosure rights not to allow my personal information to be shared with the public and with 3rd party credit reporting agencies. The only credit bureau that exist is the CFPB. There are no federal laws that empower a credit score, missing credit bureau information, age of account, or the bank to deny me my right to extend credit ( 15 USC Section 1691 ). Discrimination against an applicant in a credit transaction is unlawful ( 15 USC Section 1691 ).