davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I have never been treated so disrespectfully in my sixty plus years of dealing with National Banks as Chase Bank is treating me today. I have deposits in demand accounts Ive had at Chase for more than twenty years that today exceed {$13000.00} that I need to pay bills and expenses I have incurred and Chase, without just cause, has frozen my accounts and refused to honor bills I have scheduled for payment! 

Last XXXX, claiming new Federal regulations required me to provide additional information on ownership of my account, I immediately went to my local Chase branch at XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona. After determining the branch did not really know what was required and they had no notice of such demands, I finally found the information they needed concerned terms of a Trust agreement to which I was the sole trustee. That same day I provided ChaXXXX with a sixteen-page Summary of Trust drafted by my attorney that clearly spells out both current and successor trustee provisions of the trust. Refusing to identify what information they required, so called officials of their Compliance department claimed that more information was required, and they demanded unconditional access to my XXXX00 page trust agreement!

After threats to close the accounts that included a ridiculous demand that I provide an affidavit of Trustee resignation from my wife who had died four years earlier. After explaining a dead person could not sign such a document they still were not satisfied. Finally on XX/XX/2023, they refused to pay checks on my account, falsely claiming insufficient funds ( see attachments ), and froze my access to the funds. Now for the sixth time I returned to the bank branch asking for specifics on what they required. After repeated demands that I provide the entire Trust document, they decided they had to see my address as Trustee in the agreement! For heavens sake did they really believe that after I returned to their bank branch six times in response to their letters that they did not have my address! That is astonishing! Today, some six days after I signed a notarized affidavit regarding my identity and my address, I still have no access to my funds. 

This heavy handed denial of customer rights is simply not justified in my opinion. I would sincerely appreciate the intervention of the CFPB as I need access to my funds to pay bills. Their denial is absolutely unjustified, and I need your help to force Chase to release my funds.
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The following inquiries that appear on my credit report are fraudulent and were not inquiries I made : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
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. (MD)

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 Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Record Type XXXX XXXX XXXX discharged Reference Number XXXX
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Please remove the following inaccurate names:
XXXX XXXX,
XXXX XXXX XXXX,
XXXX XXXX,
XXXX XXXX,

also please remove the following inaccurate addresses:
XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX,
XXXX XXXX XXXX XXXX WA XXXX,

please remove the following inaccurate employers:
XXXX XXXX,
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I want this late paym

ent deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (PA)

This is a further issue with an already existing complaint. That number is XXXX. I just received another letter that restates the already obvious position of Chase Bank. They have contradicted previous statements, and apparently did no due diligence. Every time I have called, the representative said that I had met all of the criteria, and that the 5 % should and would be automatic. They have lied to me and repeatedly used the same loophole, which I have caught, and have been compliant with since XXXX, 2019. Their issue was that I did not pay for my Amazon membership with the Chase credit card. That is incorrect, and easily verifiable. I did pay for the Amazon membership with the Chase credit card since XXXX of 2019. There was no lapse in my membership and i have never missed a payment to either organization. I will include their most recent denial letter, which I received in the mail yesterday.
Consumer complaint received 2024-08-22
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. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Block, Inc. (WI)

This is not a duplicate complaint technically seeing is that Cashapp has responded and had these complaints closed without addressing the issue typed and it seems this Consumer Department is helping them do so. So here is the complaint for the company to address. 
I was harmed on both XXXX  andXXXX XXXX XXXX  in Wisconsin because my financial institution Cashapp who operates out of XXXX XXXX, CA let funds go from my account even though I did not have enough funds to make the purchase the merchant displayed one price and charged another. It does not appear to have went through any various of incremental price adjustments. Just flat out charged more than what was in my account. Held my funds pending for days. At times when someone I owed came to collect there money I couldnt pay that person and we got into fisticuffs I received bodily injuring blows and at one point I was having an XXXX XXXX  paired with a XXXX XXXX in my back that restricts my inhalation and I could not remove myself from the situation because my life was being threatened by my body. These transactions technically completed because the merchant had to cancel them. These transactions were completed not peer to peer and was made with their cash card liability belongs to Cashapp without a doubt. I do not have a borrow allowance for sure and stock round ups accumulated or a lack there of because of these transactions being initiated and technically paid to the merchant. If I didnt faint my XXXX would have arrested completely to my knowledge. All of this has caused me Extraordinary Emotional Distress as well as pain from what I encountered on the day. My body and mind paid and is paying the overdraft fees of these transactions and the app told the truth of the matter despite everything. It didnt expire it was canceled. It wasnt declined because it wouldve never been there to have been released on another day and would read specifically NOT ENOUGH CASH XXXX XXXX XXXXXXXX information in this link is, to me, quintessential to understanding where I am coming from. This department can not close this claim without Cashapp properly addressing this matter and going further with nothing other than them remedying the situation.
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I got my credit report an seen things on my credit report that was not my doing I wrote the company & credit Bureau a few times and nothing happen the last time I wrote was XX/XX/XXXX an nothing still DIDNT happen its fraudulent activity on trans union XXXX XXXX XXXX XXXX account # XXXX open XX/XX/XXXX is not mine & the same account is said to be open on XXXX/XXXX/XXXX on XXXX. First off the account is not minethen hows the same account open on 2 different dates that should raise red flags for a company as big as trans union XXXX XXXX then on trans union it says last reported XX/XX/XXXX then last reported XX/XX/XXXX on XXXX? Then it says date last active XX/XX/XXXX on trans union? how was it last reported XX/XX/XXXX but last active XX/XX/XXXX a year earlier than it was last reported?? Can you please remove this off my credit report immediately please
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved.Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 USC Section 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : EXPERIAN XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX XXXXXXXX Inquiry date XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NJ)

On XX/XX/22 I received a notice from our municipality that taxes, which are escrowed, were not paid. When contacting the bank that we refinanced with we received the following explanations : ( 1 ) that there was an error in the system and they could not pay the taxes and sent a check to us over a month ago which was never received, ( 2 ) that the taxes were paid at closing, but the municipality has not record, ( 3 ) that the title agency that did the closing did not fill out paperwork properly.

Cardinal Financial has poor record-keeping and operations, they have created a situation by their own sloppiness in which they are taking money as a requirement of the mortgage and placing it in escrow to pay property bills but not actually fulfilling their fiduciary duty, and giving answers that do not resolve the problem, and raise questions of their ability to be a competent fiduciary.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

Signed up for a care credit card in XX/XX/XXXX and was deceptively enrolled in " card security '' without my permission or knowledge. Could not view my account up until two months ago. Was charged an additional $ 73+/- per month for the subsequent 15 months without my knowledge. Called card security upon review of my statements who then advised me they will only refund 12 months of fees. Claiming they can not refund first 3 months of fees - XXXX XXXX, XXXX XXXX, XXXX XXXX claiming that I did not cancel within the first 90 days. I did not sign up or have knowledge of this enrollment so would not know to cancel. 

Also have been charged interest on the fees by synchrony bank, who additionally keeps closing or lowering my credit limit on every account I have with them despite the fact I have continued to make on-time payments. This has severely impacted my credit score and put me much further into debt while allowing them to raise my interest rates on all of my cards.
Consumer complaint received 2023-02-14
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. (NY)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX Account number : XXXX, XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have send in certified letters to compose and credit bureaus about the unknown inquiries on my credit report XXXX XXXX XXXX XXXX   ) XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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  ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: LendingPoint Holdings LLC (TX)

They told me they was going to send me loan money XXXXXXXX XXXX but and they deposited money IntoXXXX my account and few days later it comes back and bounces leaving me negative and having a return fee
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I took a look at my credit report only to find out that someone has opened a XXXX XXXX Bank charge account. That was opened on XX/XX/2022. This is not my credit card account. Someone is using my identity to obtain good and or services without permission from me.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 I deposited a check for {$71000.00} which was an insurance settlement from a workman 's comp injury. The check has long cleared the bank the funds are in the account the bank is holding the money now but they're not allowing me to use my funds. They've created an extra process that the check writer is not asking and that is what has created ahold up of my money. It has been 14 days now And the check has cleared for a week already the bank is holding my money the check is cleared and they're just still denying releasing my funds I've spoken to management on 3 days in a row and several employees I have some names documented along with times. The problem is with Chase Bank.
Consumer complaint received 2023-02-14
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. (IL)

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. 

XXXX Account number XXXX XXXX XXXX  XXXX account number XXXX XXXX account number XXXX XXXX  XXXX XXXX account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NY)

I opened an Amazon credit card with Synchrony bank. They charged me for XXXX XXXX {$14.00} a month. I paid it twice before I noticed. When I noticed the fee I called to complain, requested a refund and to close account to no avail. Today I was charged {$14.00} again. I called XXXX numbers to close account, request refund and cancel prime membership. They had me sign into account verify calls etc. Then i get an email stating that they are closing current account for fraud and sending me a new card. Amazon is committing the fraud amazon is the one charginf me fees. I dont want a new amazon card its amazon thats causing the problem. They wont stop charging me or close the account. I want Amazon and Synchrony to close the account and stop billing me for services I dont want and did not request.