davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
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: SYNCHRONY FINANCIAL (SC)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15-USC-681 SECTION 602 STATES, I HAVE THE RIGHT TO PRIVACY. 15-USC-681 SECTION 604-A SECTION 2 ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15-USC-1666-B STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2023-10-17
Product: Credit 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. (WI)

I reported unauthorized transactions to chase a few weeks ago because my card was lost along with my wallet and ID. Several other credit cards were impacted by this incident. I received a letter through chase messages stating my credit Line was decreasing SIGNIFICANTLY BY 95 % percent! My original credit limit was XXXX when I initially opened the card. I have always paid my balances and made my payments on time. Im a single mother and use this card for emergency purposes! I depend on this card knowing I can use it if I ever have an emergency. I have good payment history! I have never had any other company decrease my credit limit so significantly! I believe chase took this adverse action because I Reported unauthorized transactions otherwise this would not have happened. I do not have any other credit cards with this low of a credit limit. I also keep My credit usage low. I have good credit history and a good credit score. This was an adverse action taken by chase.
Consumer complaint received 2024-04-11
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: Lendmark Financial Services (CA)

XXXX ) XXXX XXXX continues to be in violation. Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud. Also, Inaccurate reported late payments and billing errors. This account is in violation.

Under 15 US Code 1605 ( a ) - If a finance charge was included which is the sum of all payments, there should be no late payments on this account.

15 USC 1692 ( g ) - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS. This account must be deleted immediately.

2 ) Lendmark Financial Services - XXXX # XXXX : Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud. Consent is absent and this constitutes as fraud. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation. 

XXXX XXXX XXXX - XXXX # XXXX : Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MD)

American express has been stalling and i did everything one can ask for. i sent them the remittance coupon to settle the debt. They are just been stubborn and hard headed. these people are greedy. At this point I am covering my tracks to show prove to the pending lawsuit as evidence of them refusing to credit the account. on XX/XX/XXXX they sent me an email that they will be closing my account on XX/XX/10 XXXX days before I wrote my initial cfpb complaint. All bills are PREPAID. All obligations is owed to the united states.The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. They keep trying to get me to call to settle the debt when I have already sent them multiple letters. this is also a breach of privacy rights according to 15 usc 1692 c, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This is a HARASSMENT! also threatening to send my private information to the credit bureaus is identity theft or selling the debt. i have given them more than enough chances. At this point its ridiculous. They want the fight so that's what will have to happen. the bureaus have 4 days not fifteen in a case of identity theft.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have tried several times to fix this issue with XXXX XXXX they are reporting a higher incorrect balance than what is owed to the credit bureaus negatively impacting my credit. Also XXXX XXXX when I accepted the covid19 forbearance sent me a letter stating that this would not impact my credit. Although I have never paid my mortgage late at this time my fico for mortgage is XXXX as if I have a delinquent mortgage account. I was deceived by the information they provided stating that they would not impact my credit this is a deceptive lending practice .I have disputed the account several times with XXXX they also report false information and do not investigate and correct the matter. I have contacted the OCC and have been advised legal counsel on this ongoing charade and will act if not resolved immediately.I have included a XXXX XXXX statement with the correct balance owed that should be reporting.
Consumer complaint received 2023-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, I was scammed to send {$2000.00} to an individual named XXXX ( XXXX ) via XXXX through my bank Chase 's mobile application. The individual took my phone after I had logged into my Chase app, and sent themselves money through the phone number XXXX, a number which now seems no longer associated with XXXX. 

I called Chase Bank that night, and I was told I would be given credit for the {$2000.00} while they investigated my case and I was forwarded to the fraud department to change my username and password on the app. However, I soon found out that I was not given any credit, so I called the bank back after a week and it was said that they were still looking at my case and since the fraud took place through XXXX, a third-party company, there is a likely possibility that my case wouldn't be approved. 

I have attached a screenshot of the transaction from my account.
Consumer complaint received 2022-09-18
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: Experian Information Solutions Inc. (FL)

Good afternoon Team XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. 

This item # XXXX of XXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. 

Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possible
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

Dear Sir / Madam, I understand that you had responded to the CFPB complaint, XXXX that was filed on my behalf by XXXX XXXX XXXX of PA Banking Commission, saying that you need my authorization in order to provide a response. I hereby authorize you to respond to XXXX XXXX XXXX 's CFPB complaint XXXX. It is critical for me that you provide a response to unauthorized release of temporary security pin online. The very reason for a security pin is to protect myself from identity theft, however, it appears that in this instance a trivial pin was released online by Experian. I trust that you would now be able to respond to XXXX XXXX XXXX 's aforementioned CFPB complaint with this authorization. Best Regards, XXXX XXXX XXXX.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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.

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 2022-10-01
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. (CA)

I submitted an Equifax data breach settlement claim on XX/XX/1922, claim # XXXX. I received an automated claim confirmation. However, that was the first and only communication. I have not received any response, acknowledgment, request for additional information, or an explanation to date. I submitted an identity fraud report to Equifax that is believed to be a direct result of the breach. The FTC identity fraud report was filed also on XX/XX/1922, report # XXXX. I didn't claim a loss on the identity theft report, but repair and resolution has taken over 3 months, for which only XXXXXXXX XXXX  of work hours were claimed for restitution. I have made multiple attempts to contact Equifax and Equifax settlement administrator, however settlement administrator number only has a tireless labyrinth of recorded messages without an option for a human. I have waited for 7 months, and I understand many class members have received their settlements. I have yet to receive an acknowledgment, settlement, rejection, response, or explanation. I expected Equifax to adhere to the settlement terms agreed to with FTC however they are in breach of their agreement. Please assist in facilitating a settlement. Thank you.
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I closed my credit card and there is a balance of more than {$1200.00} in my credit card. The company is not issueing a check until 2 statement cycles ( 2 months ) to refund my money. Not sure how the company hold my money for 2 months when I close my account.
Consumer complaint received 2024-11-07
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. (GA)

I did an investigation recently on my credit report, and I found multiple negative items on my credit report that seem to be reporting in error or placed on my consumer file by mistake. I have done my own investigation and come to the conclusion that, these the following items do seem to indeed be reporting falsely and inaccurately. Please remove these items as soon as possible, as this is damaging to my credit worthiness, and inaccurately reporting to my consumer files making it hard for me to obtain a housing lease.
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

In XXXX, a customer named XXXX XXXX XXXX XXXX purchased cryptocurrency from us on XXXX through XXXX transactions, totaling {$13000.00}. These purchases occurred as follows : {$4500.00} on XX/XX/XXXX, {$2900.00} on XX/XX/XXXX, and XXXX purchases on XX/XX/XXXX. On XX/XX/XXXX, XXXX filed a claim stating that these transactions were unauthorized. 

We promptly submitted proof of our conversations and verification from XXXX, which confirmed that the buyers name was XXXX XXXX XXXX XXXX, matching the name on the banks claim records. Since XXXX had to complete the XXXX  process before using the platform, their identity was verified. However, the bank refunded XXXX money without explanation, and a message I received suggests that the bank may have conducted its investigation without considering the full evidence we provided.
Consumer complaint received 2018-02-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Choice Recovery, Inc. (NE)

OnXX/XX/XXXX called them at about around XXXX XXXX. They told me I owed XXXX when I owe XXXX every time Ive called them previously they dont identify who they are. On one case I called them and I said the wrong name and they said I had the wrong number! Didnt even say they were a collection agency! When I called Them on XX/XX/XXXX I was talking to the lady and when I asked if I could settle she told me no, I asked where It goes if I dont pay it and she told me they would take legal actions. I was just asking her because I didnt know if it went to another collection agency. She kept saying okay man. She didnt have the correct info. I understand I wasnt professional, but On there website it says they maintain the highest level of professionalism. Which they do not! I told her I could make payments on the bill but only XXXX and she said that when XXXX rolls around they have to increase it. She also kept saying you wouldnt go into the grocery store and not pay. At no Point did I act like I wasnt gon na pay it.
Consumer complaint received 2022-10-01
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)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/22 I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these accounts is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit profile and score. 


Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX I have previously requested that you investigate this information above and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Account name : XXXXXXXX XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from my credit report. 


Account name : XXXX XXXX Account number : XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from XXXX report. 


Account name : XXXX Account number : XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from XXXX report. 

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right so 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.

i did not give anyone written consent. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Also the credit bureau took more then 30 days to complete my investigation here is my certified mail tracking # XXXX made a complaint to my attorney general : Intake # XXXX Made a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX  : case number XXXX Made a complaint to the federal trade commission ( FTC ) : XXXX
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

On XX/XX/2024 a merchant made a typo on a charge to me. Instead of declining this highly atypical charge ( {$2200.00} to a XXXX XXXX Bank of America approved it. I spotted the error immediately and the merchant refunded the charge after 2 minutes and 37 seconds, then charged the correct amount ( {$220.00} ). This charge also went through, making me overdrawn. 

The amount is shown pending on my activity thread in the app. However, Bank of America will not return the money to my account for 3-5 business days and, when asked why, simply says it is policy. They also have used the word " investigation. '' They keep saying that they are not crediting my account because the merchant hasn't done something, but she refunded the money instantly ( I have the receipt ) and she also contacted her bank and discovered the incorrect amount never appeared in her account. So, why has BofA not promptly returned my money? 

Other issues : Twice, Bank of America was supposed to call me back and did not do so. My account showed negative until after I confirmed that I had overdraft protection, then it showed XXXX. It is possible this is timing
Consumer complaint received 2023-10-15
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. (PA)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXXXXXX XXXX XXXXXXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing BELOW IS everything I sent to all 3 credit bureaus they still placed this child support on my credit report : 1. XXXX XXXX. XXXX 3. Experian 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Federal Code 15 U.S.C 1681 ( 2 ) ( a ) ( I ) ( 2 ) Exclusion Of All Transactions Federal Code 15 U.S.C 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. CRAs need written instruction to make a consumer report by the consumer. 

Federal Code 42 U.S.C 1301 ( d ) ( d ) Nothing in this chapter shall be construed as authorizing any Federal Official, Agent, or Representative, in carrying out any of the provisions of this chapter, to take charge of any child over the objection of either of the parents of such child, or of the person standing in loco parentis to such child.

15 USC 1681 Section 604 ( a ) ( 2 ) : Also states a consumer reporting agency can not furnish an account without my written instructions under : 15 USCS 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. 

( THIS IS ON XXXX WEB SITE ) ***Important Notice*** Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted Case Law : Kevin D. Miller v. Trans Union LLC , Experian Information systems , Inc. and Supportkids, Inc. , Case 1:06-cv-02883, 2/28/2007 ( N.D. Illinois ) ; Kenneth McCready vs. Linebarger Goggan Blair & Sampson, LLP , et al. , Case : 06 C 4884, 8/15/2007 ( N.D. Illinois ), Maria E. Pintos v. Pacific Creditors Association , Experian Information Solutions , Inc., No . 04-17485, D.C. No . CV-03-05471-CW, 9/21/2007 ( 9th Circuit Court of Appeals ). 

I DID NOT GIVE ANY CONSENT ; THIS IS IDENTITY THEFT