davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (MA)

To Whom It May Concern, I am writing to formally file a complaint against Navy Federal Credit Union concerning the denial of my fraud claim, despite providing substantial evidence to support my claim. I believe that my case raises concerns about the handling of fraud claims by the credit union, and I am seeking assistance and intervention from the Consumer Financial Protection Bureau ( CFPB ). 

On XX/XX/2023, I received a denial notification from Navy Federal Credit Union regarding my fraud claim. This decision came after I promptly reported an unauthorized transaction on my account and provided what I believe to be ample evidence, documentation, and context to substantiate my claim. However, to my great disappointment, my claim was denied without a comprehensive review of the evidence I had provided.

I am deeply concerned that my case, which involved an unauthorized and potentially fraudulent transaction, was dismissed without proper consideration of the evidence. This situation has left me feeling unsupported and unsure about the fairness and transparency of the resolution process at Navy Federal.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TN)

I had originally submitted a complaint on XX/XX/XXXX against chase bank. That complaint was XXXX. XXXX said that they would refund all of the fraud that occured. On XXXX XXXX XXXX  chase reversed XXXX ATM withdrawals that they provided with the first resolution. Please see this complaint for the chase response which indicates that they are providing the full amount and the ATM amounts.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to request the removal of outdated and inaccurate personal information from my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Specifically, I request that all previous addresses and phone numbers be removed, as they are no longer valid or relevant.

My current and only address is : XXXX XXXX XXXX XXXX XXXX, GA XXXX Please update my credit file to reflect this information and remove any previous addresses and phone numbers associated with my report. According to the FCRA, I have the right to ensure that my credit report only contains accurate and current information.

I appreciate your prompt attention to this matter. Please confirm once the requested changes have been made.

Thank you for your assistance. 

Sincerely, XXXX
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

I contacted this company to update my credit report with the late payment saying late for XX/XX/year>2024. This information is inaccurate. I contacted Chase to get a later date on my payment due to pay funeral expenses for my father. This account wasn't 30 days late. Also in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states Ihave a right to privacy ( 15 USC 1681 section 604a section 2 ) it 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.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding my Chase Ink Unlimited Card ending in XXXX. I applied for the card under an offer that provided XXXX points after spending {$6000.00} within 90 days. After meeting the spending requirement, I received the XXXX points as promised. 

However, I later discovered that Chase was offering a concurrent promotion for the same card, which provided XXXX points for the identical spending requirement. Given the overlap in timing, I reached out to Chase to request that my account be adjusted to match the higher points offer, especially as I had already fulfilled the spending threshold. 

Unfortunately, despite my reasonable request, Chase declined to match the XXXX points offer. I believe this decision is unfair, as both offers were active during the same period, and I had already met the required spending terms. This experience has been frustrating and disappointing, and I feel that my request for the additional XXXX points was entirely reasonable. 

I respectfully ask the Consumer Financial Protection Bureau to review my case and assist in resolving this matter, as I believe Chase 's refusal to match the offer undermines fair business practices and customer satisfaction. 

Thank you for your attention to this issue. I look forward to your assistance in helping to resolve this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-09
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: JPMORGAN CHASE & CO. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear JPMCB CARD, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes.

It has unequivocally come to my attention that JPMCB CARD has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing.

I assert with unwavering certainty that I have not provided consent for JPMCB CARD to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws.

I demand, with the utmost certainty, that JPMCB CARD immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that JPMCB CARD will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Consumer complaint received 2024-09-09
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: DISCOVER BANK (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear DISCOVERBANK, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes. 

It has unequivocally come to my attention that DISCOVERBANK has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for DISCOVERBANK to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that DISCOVERBANK immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that DISCOVERBANK will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (TX)

I am writing to complain to SANTANDER CONSUMER USA about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-08-12
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. (MA)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX CT XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2022 XXXX, XXXX
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (VA)

On XX/XX/year> Cash app abruptly closed my account stating " gambling '' as the reason. Which is completely false and inaccurate as I've never gambled with this account. Called twice to get clarification as to how I was in violation and neither of the representatives told me what the gamble violation was, also both were rude and hung up on before I could finish talking. I'm not in violation of any policy as the last transaction I made was a repayment to cash app borrow on XX/XX/XXXX and prior to that a cash birthday gift to my brother on the on the XX/XX/XXXX. This is ridiculous and I need a copy of the specific transaction violation ( s ) that occured which caused them to abruptly close my account. If Cash App can't provide the exact detailed transaction violation committed, then my account closure was unfounded and needs to be reinstated immediately. Also I've spoken with others who has experienced unsubstantiated Cash App account closeures! My next course is legal action.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

I previously reported that this company is trying to collect a debt not owed by me. This agency investigated the complaint and the collection debt agency responded and stated they have closed this account and will alert credit bureaus that this is not my debt. However, this agency has not closed this account or reported to agencies that this is not my debt. In fact they have reported thr debt as accurate and reported to all three credit bureaus, XXXX, XXXX, and XXXX.
Consumer complaint received 2023-08-12
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 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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (CA)

In your previous letter you state : As shown in the enclosed transaction history, you have been inconsistent in making timely payments. OneMain disagrees that the Fair Credit Reporting Act ( FCRA ) does not permit OneMain to report your account or the payment history for your account. 

According to The XXXX XXXX XXXX my consumer report should not contain information solely as to transactions or experience between the consumer and the person making the report. So once again I will ask, how can your company furnish any transactional history on my consumer report when the law clearly states that this is excluded from my consumer report? A payment history is a reflection of a transactional history, but if this information is excluded from my consumer report by law, how can you furnish a payment history or furnish a payment as late if this information is excluded? 
The FCRA under 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusion from a consumer report clearly states : ( 2 ) EXCLUSION- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681b-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; In your responding letter on XX/XX/ 2024, OneMain disagreed that your company failed to notify me of negative items being reported. You claim you have provided me with a notice of a monthly billing statement showing this negative information. 

In my response, I have not received any notice or any monthly billing statements from XXXX. I request that OneMain show me PROOF where I received these monthly statements that you are claiming you sent me. Can you show me PROOF where these monthly statements were delivered to my address. Can you provide me a tracking number showing these monthly statements were delivered to my address above prior to or no later than XXXX  days after furnishing negative information. I request Proof, and if you can not provide me with proof, I demand this account be removed from my consumer report. 

Any financial institution that regularly furnishes information to a nationwide consumer reporting agency must provide a notice to a consumer in writing prior to or no later than XXXX  days after furnishing negative information to such an agency. The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. I demand you show me PROOF where you sent me a notice prior to or no later than XXXX  days of furnishing negative items on my consumer reports. This is a clear violation of the FCRA.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I have a fraudulent account on my credit report, which I reported to XXXX XXXX, yet XXXX XXXX  is not removing this fraudulent account. XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-12
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. (DC)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 2023-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D&A Services, LLC (MD)

On XX/XX/2022 a company had sent me a letter at my new address that stated they are debt collector. I had certified mailed D & A Services a NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT. When D & A Services had received the my letter I was sent statements about an alleged debt. I didnt ask for statements. I had asked for a contract between D & A Services and myself. I didnt make a copy of my notarize letter to D & A SERVICES instead I have provide a copy of what I had used. Below is information that will help with the investigation.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

Re : Dispute of Inaccurate Information LVNV Funding LLC Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 

Dear LVNV, I am writing to formally dispute the inaccurate information that has appeared on my credit report regarding a debt that was allegedly transferred to LVNV Funding LLC. The details of the account are as follows : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
Date Opened : XX/XX/year> Account Status : Collection account with {$650.00} past due as of XX/XX/year> Balance : {$650.00} Original Balance : {$650.00} Dispute Points : Unauthorized Transfer of Debt : I have never agreed to or signed any contract allowing the transfer of my debt from XXXX XXXXXXXX XXXX XXXX. to LVNV Funding LLC. Furthermore, I was not notified of this transfer, which is a violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Privacy Violations : This unauthorized transfer and reporting of my personal financial information to LVNV Funding LLC is a violation of the Gramm-Leach-Bliley Act ( GLBA ), which protects my financial privacy. The handling and sharing of my information without my consent is illegal. 

Fair Credit Reporting Violations : The reporting of this collection account by LVNV Funding LLC is inaccurate and unlawful. LVNV Funding LLC is acting as a debt buyer and is required by the Fair Credit Reporting Act ( FCRA ) to ensure that the information they report is accurate and verifiable. Since I have not received any verifiable proof of the debt transfer or the legality of their collection efforts, this account must be removed.

Action Requested : I demand the immediate removal of this collection account from my credit report. 
I request that you provide proof of the debts accuracy and documentation verifying that LVNV Funding LLC has the legal right to collect this debt. 
If this issue is not resolved, I will escalate the matter with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and other appropriate government agencies for further legal action. 
Please complete this investigation promptly and notify me of the results in writing. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX