davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

I am writing to formally dispute the reporting of credit utilization by JPMCB on my [ XXXX, XXXX, or XXXX ] consumer report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. 

Upon reviewing my consumer report, I noticed that the line of credit I have with JPMCB, specifically account number JPMCB - XXXX, is characterized as utilization. This reporting is illegal as it contravenes the stipulations of 15 USC 1681a 2 ( A ) ( i ), which clearly states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 

In my case, the utilization reported is an experience between myself and XXXX - XXXX. According to the law, such transactions or experiences should not be included in my consumer report. By reporting this utilization, JPMCB has violated the FCRA 15 USC 1681a 2Ai. 

I have previously reached out to XXXX - XXXX  regarding this matter, but they have refused to comply with the penal codes stated by Congress in accordance with consumer law. Therefore, I am demanding that JPMCB update my utilization to 5 % or below or delete all utilization from the aforementioned account within 10 calendar days of this notice. 

Failure to satisfactorily respond with the deletion of the above utilization will compel me to take legal actions against JPMCB. I will be seeking remedies for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Violations of the Fair Credit Reporting Act 15 USC 1681, specifically for willful noncompliance as outlined in 616 [ 15 U.S.C. 1681n ].

Furthermore, any attempt to close this account in response to my demand for the removal of the utilization from my credit report will be considered an adverse action in violation of 15 USC section 1691. 

I expect prompt action to correct these inaccuracies in my consumer report. Additionally, I request written confirmation of your compliance with this request and a revised copy of my credit report post the deletion or correction of the disputed information. 

Thank you for your attention to this urgent matter. Please feel free to contact me for any further information or clarification needed.
Consumer complaint received 2024-01-29
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: CITIBANK, N.A. (WA)

inquires on my credit report that i knew nothing about XXXX thd/cbna XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX says its on file till XXXX of XXXX could not reach anyone at this number inquired XX/XX/XXXX XXXX.citibank na best buy XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX XXXX says on file till XX/XX/XXXX says mail only for contact inquired XX/XX/XXXX XXXX cards cbna XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX XXXX no answer could not get ahold of anyone. inquired on XX/XX/XXXX I did not contact or apply nor want any credit or credit cards from these people they showed up on my credit report as inquires and have affected my credit score I did not authorize any of this ... .....
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. (CA)

Blockchain.com is preventing me access to my money that they are holding in my account. Between XX/XX/year>, and XX/XX/year> I made XXXX unsuccessful attempts to obtain service, all attached as documentation. 

My experience is not unique with this company. Also attached page XXXX is a sampling of the over XXXX complaints lodged against Blockchain.com holding customers money XXXX is a frequent refrain. 

Please help me get access to my money.
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Consumer Financial Protection Bureau, This complaint is in reference to residential home Loan # XXXX which has been converted to # XXXX with Wells Fargo Home Mortgage. 
Beginning in 2008, Wachovia Mortgage began to miscalculate the annual adjustable rate calculations for this loan, which resulted in the monthly amounts of principal and interest due and the total payment amount to be incorrect. Wachovia Mortgage and Wells Fargo Mortgage used the incorrect figures for the XXXX Index and the Margin. These three items of this loan, the principal, interest and payment amount have been miscalculated incorrectly since XXXX. Additionally, for some months, my principal reduction amounts would drop significantly from the previous month for absolutely no reason. I would make call after call to Wachovia Mortgages Customer Service department and then Wells Fargo Mortgages Customer Service. Each time, the Customer Service representatives would acknowledgement that the loan servicing calculations with my mortgage had not been adjusted correctly, but never once I have I received the correct credit for my principal payments nor has my loan adjustments ever been corrected. This has cost me thousands of dollars over the years in mortgage principal reduction and mortgage interest unnecessarily paid. 
Just with a simple mortgage calculator, these adjustable calculations can be reconciled to have been in error. 
I continued to repeatedly contact Wells Fargo Mortgages Customer Service department telephone, speak with several Wells Fargo Bank representatives in person and contact Wells Fargo Mortgage by mail and email. Every single Wells Fargo Mortgages Customer Service representatives and Bank representatives has acknowledged the miscalculation errors with my adjustable rate mortgage. Yet, none one single Wells Fargo Mortgages representatives has done one single thing to correct my mortgage adjustment miscalculations. 
I had the same problem with a XXXX adjustable rate loan in the early XXXX. My loan was type was in Class Action suit against XXXX. If I am not mistaken, the CEO for XXXX at that time was the CEO with Wells Fargo during my adjustable rate miscalculation problems.
Consumer complaint received 2024-01-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NM)

I have been told different amounts of what my pay off has been. When I called to make a payment around XX/XX/XXXX, I was told my payment would be approximately {$230.00}. I agreed to this payment but when I checked my bank statement {$270.00} was deducted. I called and asked for records of my full payment history but was told this could not be provided to me unless it is for business purposes such as gap insurance. The company does not have an online portal or mobile app. I would like to see records that show what my payments have been to date but it seems I am not allowed to have access to this.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (NY)

A few months ago, I realized that Citi was charging me for {$67.00} per month for a " XXXX  Program '' that I never signed up for. After research, I realized that this has been a litigated matter in the past. I am positive that I have not signed up for this. I have requested a refund with them but they declined ( please see attached ). 

I have requested statements from Citi to assess the full amount that was wrongly charged to me and am currently awaiting them. However, Citi charged that I signed up for this on XXXXXX/XX/2010 ( see attached ), which, as of this date, is 139 weeks ago. Assuming that I have been paying XXXX dollars for this duration, the amount that was wrongfully charged totals over XXXX dollars.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Financial / XXXX XXXX Credit Card Opened XXXX ( Credit Inquiry ) Paid off : XXXX Closed : XXXX ( Negatively hit Credit Report ) I used this store credit card to purchase tires. The vehicle that I had at the time was sold and a new car purchased in XXXX. I have n't needed tires yet, but I will need them in a month or two. I got notification from XXXX XXXX that the account was closed on the XXXX of XXXX. I called Synchrony Financial and asked them why. They said due to inactivity. I have other XXXX accounts XXXX XXXX, etc ) and they have had inactivity on them and they do n't auto close. The representative on the phone said that they can not re-open the account and there was n't anything they could do to help me. I was n't given any notice that the account would close ( not in email or written form ). I do not feel that a financial institution should have the right to negatively affect ones credit without their knowledge. Because I accepted the hit to my credit when I signed up for the card. I however did not accept the hit to my credit when they arbitrarily closed my account without prior knowledge or consent. I do not believe credit card issuing banks should have this right unless it is spelled out in their terms of service or notification to the customer is made.
Consumer complaint received 2017-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I, XXXX XXXX went to my bank ( Wells Fargo ) yesterday XXXX/XXXX/XXXX at XXXX am to make a withdrawal of {$XXXX} from the ATM # XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. My son was very late for work and after putting the ATM card in the machine and indicating the amount, he grabbed the card and drove off without taking the cash. Immediately afterward, he realized and returned to the ATM. But there was a message on the screen that said " cash retained ''. 

As such, I believed the bank would do the necessary adjustment. But that was definitely too much to consider of the bank. Two hours after I received a notice saying that my account has been overdrawn. So I then called the bank to report the matter. I was subsequently granted a claim number XXXX and was told that it will take approximately 10 to 15 days to investigate the matter.
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP (NV)

KEY BANK has locked my unemployment card over a XXXX charge that i verified and i have called numerous times being put on hold for hours at a time ( and this is not a exaggeration ) and if i do get through they just pick up the phone and hang up after being on hold for hours. i cant access my money for food for bills for gas nothing and i have called 20 times or more and waited on hold ANO ONE EVER GETS ON THE PHONE with NO ONE TO TURN TO TO REPORT THEM AT THE COMPANY.i am at my witts end i have no access to money for NOTHING. these people should be fined or shut down for there bad behavior and down right disregard for there customers and holding peoples money XXXX. with no remedy or way to resolve the problem.
Consumer complaint received 2024-01-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Exeter Finance, LLC. (TX)

On or around XXXX my vehicle was stolen by XXXX XXXX XXXX please see police report number as reference to this complaint in attachment on around XXXX XXXX exter finance recovered the vechicle in mistakely reported the vechicle as repossed when In fact stolen from XXXX by XXXX XXXX this inaccurency is affecting my score tremendously to the point that I have been denied for a mortage I would like to add that Exter Finace even granted me extention be fore the vechicle wa recoverd my lender in I tried several times to get Exter Finance to remove this inaccuracy from my report in thier refusal proves this is in clear volation of the fair credit reporting act 15 U.S code 1681 ( 2 ) ( 1 )
Consumer complaint received 2024-01-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Holding Company, Inc. (MS)

I have an account on my XXXX Report For An Account With XXXX XXXX XXXX With The Original Creditor XXXX Avant. The Date Posted Was XX/XX/2023 For The Amount Of XXXX. I Disputed This Information On XXXX For The Wrong Amount And The Wrong Date. They Finished This Dispute On XXXX Saying The Information Was Correct. This Information Is Not Correct And XXXX Did Not Have Enough Time To Check Into This Information Correctly, Thats Why Im Writing You To Inquiry Into This Account Personally. Any Information You Acquire Would Be Very Appreciated If It Was Shared With Me. Thank You In Advance.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I called chase in order to get a credit limit increase on both of my cards, one ending in XXXX and the other ending in XXXX. 

The representative pulled my credit TWICE and told me I was approved for a credit limit increase of XXXX in my card ending in XXXX and XXXX in my card ending in XXXX. 

Upon checking a week later my credit limit was not increased to what was I was told over the phone by the customer service rep. 

I called back and spoke with a representative who told me he would have a manager pull the call and listen and get back to me within 7 days. ( I also have the call recorded so I know exactly what was said to me ) Its been over 2 weeks and I never heard back so I called AGAIN on XX/XX/2021 and spoke with a representative who told me and I quote " I can see that the credit limit increase should have been XXXX and XXXX I am not sure what oversight happened that this is not reflecting '' This rep proceeded to put me on hold to go ahead and reach out to a " supervisor '' Upon speaking with said " supervisor '' XXXX proceeded to lie to me over and over again. Giving me false information to suite his agenda and proceeded to tell me that I should run my credit again. How unprofessional, if it was not for the CFPB having the backs of consumers people like this supervisor XXXX will continue to walk all over consumers. I now have 2 inquires on my credit right now and the credit limit I was told I would have is not shown.
Consumer complaint received 2024-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-01-10
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. (UT)

My credit report shows that there is a bankruptcy which was furnished without my knowledge or consent. I have in return received multiple adverse actions due to all credit reporting agencies. It has affected my family, my lifestyle and most of all has caused so much public humiliation. 
I have reached out to all credit reporting agencies and each and every single one of them denied the request to remove. You have already caused unreputable damage. 
Remove the Bankruptcy immediately I want all charge off accounts updated to PAID AS AGREED And all hard/negative inquires REMOVED COMPLETELY You have reported over XXXX transactions through negatively reporting my non public personal payment history. 
I also reached out to XXXX Bankruptcy XXXX Utah XXXX who also says they are not affiliate with ANY credit reporting agency. 


15 USC 1681g ( a ) ( 5 ) a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Per 15 U.S. Code 1681n ( b ) - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ).

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6809 ( 5 ) 15 U.S. Code 1681a ( q ) ( 3 ) Identity theft The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Consumer complaint received 2019-09-05
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. (PA)

I have been looking for money to expand my current business and create a second location of XXXX XXXX Since XX/XX/2018. I have had at least 8-9 banks pulled hard inquiries dropping my credit score significantly. I wish to have these inquiries consolidated because they are for the same project.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I received an old bill for XXXX XXXX XXXX MD in XXXX, XXXX. I never received the original bill as there were a plethora of mail related issues. I called the number on the bill XXXX and spoke with billing. I explained that I would like to take care of my bill for the physician, XXXX XXXX. The billing XXXX, XXXX, stated he no longer worked there and his private practice was dismantled when he joined a new department. She said all of the medical bills for the practice had been written off, and to disregard the bill because it was no longer valid. She also added they never notified patients in writing about disregarding the bills but if they called, they were notified over the phone.
Consumer complaint received 2024-01-12
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)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BARCLAYS BANK DELAWARE (CA)

Beginning the end of XX/XX/2019 I have been checking with the company to find out the status of my receiving as primary beneficiary approximately {$72000.00} from my deceased spouse 's CD account. There have been many different reasons provided always by a third party as to why it is being delayed. Thus far no one has ever contacted me except a CSR with an invalid comment 3 weeks ago.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: OneMain Finance Corporation (CA)

I initially needed only {$5500.00} loan to cover minor home repairs & pay down debt ( several accounts open with approximately {$45000.00} credit line of creditcarrying approx {$6500.00} debt absolutely No late payments ) present credit score ranging from 770 to 750 In the last +one week I contacted several lenders shopping for the best interest rates I first went to my mortgage lender, was told the amount was too low for XXXX XXXX & they did service secured small loans not personal loans No problem applied at several lending companies each making hard pulls on my XXXX  lender strongly advised to not borrow {$5500.00}, but $ XXXX said lets try crunching the numberssaid it was doable provided all the documentation passports mortgage statements income verifications etc as soon as I finished giving him all the info he said I was not qualified for any loanthe last one OneMain lender said it would be no problem at 34.99 % to 35 % payable 4 to 5 years I mentioned that I had a decent credit scorethey in turn said I recently made too many inquiries I just checked credit scores one was at XXXX thats a XXXX point drop in one week Message was clear XXXX credit score is credit unworthiness? 
I need help!
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NY)

SOMEONE HAS WITHDRAWN {$500.00} FROM MY ACCOUNT AND I FILED A CLAIM TO GET MY MONEY BACK. IT IS FRAUD I DID NOT WITHDRAWL THAT MONEY! WELLS FARGO HAS TOLD ME IT WAS MADE IN ERROR AND SOMEONE I MAY KNOW OR ME MADE THIS TRANSACTION THAT IS FALSE!!! I NEED MY MONEY BACK.