davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding my recent experience at a Chase Bank branch in XXXX, TX, on XX/XX/year>, at approximately XXXX XXXX  XXXX As a long-standing Chase customer, I have routinely completed significant transactions, including cashing and depositing checks up to {$50000.00}, at various Chase branches in XXXX, TX . In all my prior banking experiences, I have never encountered the kind of treatment I experienced at this particular branch. 

On the day in question, I visited the XXXX branch due to its proximity and requested to cash and deposit a check made payable to me by my mortgage lender for {$26000.00} through the drive-thru. The teller informed me that this transaction could not be processed via the drive-thru due to the amount, and I was instructed to enter the branch for same-day availabilitya requirement I have not faced at other XXXX branches, even for larger checks. 

Upon entering the branch, I was not acknowledged by the initial teller, and my check was instead handed off to another teller without any explanation. The second teller asked me to restate my request and informed me that she may not be able to process the cash-and-deposit transaction based on my account. This was puzzling, as my accounts are in good standing, and I have previously deposited larger checks from the same lender without issue. When I inquired further, the teller vaguely referenced " fraud '' but could not offer a clear or direct explanation. 

Following what appeared to be instructions from the first teller, my check was processed, and I was handed a receipt indicating that my funds were placed on hold for further verification, again without any proper reasoning. This treatment was inconsistent with my usual experiences at other XXXX branches and raised concerns about whether my transaction was being handled differently due to racial bias. 

As a person of color, it is difficult to dismiss the feeling that I was singled out during this process, especially since I have always been treated professionally and efficiently at other branches. The vague explanations and additional scrutiny applied to my transaction, combined with the unwelcoming behavior, suggest the possibility of racial discrimination at this location. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly, as such disparities in service raise serious concerns about fairness and equity in financial services. I am seeking an explanation for why I was subjected to different procedures at this branch and assurance that Chase Bank takes steps to prevent discriminatory practices from occurring. 

Please feel free to contact me for any further information or clarification regarding this incident. 

Thank you for your time and attention. I look forward to your response and the resolution of this matter.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AP)

I noticed that the reporting regarding XXXX XXXX was inaccurate in XX/XX/2021 of this year. As a result I tried to contact XXXX, Transunion and XXXX regarding the reporting. The balances were inaccurate and the dates of delinquency. I resolved this account with XXXX XXXX and the account is paid. I have not received any response from any of these companies as required by the Fair Credit Reporting Act. There is no response and this is well over 60 days. 

I sent a follow up letter XX/XX/2021, and still no response as to why, or any validity to the information being reported on my credit reports.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> - I attempted to cash a check written from a business associate. I am an attorney and this check was from another attorney written to me personally. I presented the endorsed check to an " XXXX '' the branch manager at Chase XXXX XXXX XXXX XXXX, XXXX, TX who took the check and scanned it into the system. At that point, I was promptly told you have to deposit the check in order to cash it. The check was for approximately {$5000.00}. She confirmed there was no ID issue, no fraud issue and no issues regarding the funds being available but she wouldn't cash the check without me depositing it. I asked her for the check back. 

The morning of XX/XX/year> I was called by a XXXX XXXX at Chase you told me sorry thats just the way our system is. You may be able to cash it a few days later but I can't tell you when.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (LA)

I have never done with this debt collector, nor do I owe them any balance. I have never been in agreement to work with them. I have requested for this debt to be validated multiple times. When I submit a request, the company retaliates by adding derogatory comments or marks on my credit bringing my score down lower. They have even deducted {$1.00} from the balance. There are various inaccuracies regarding dates across all XXXX bureaus. I am requesting evidence in the form of a signed agreement with this company.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am filing this complaint against credit bureaus due to their repeated failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the proper channels, the credit bureau has not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these multiple submissions, credit bureaus has not provided any response, confirmation of investigation, or correction of the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (AL)

On or around XXXX XXXX, 2024, I wanted to create an automatic, recurring payment from my Huntington Bank checking account to a different bank ( XXXX XXXX, shared with my spouse ). Huntington Bank website produced an error message with no instructions as to what caused the error. Calling the customer service line, I was told to use a different process to transfer funds, which is exactly what I did and where the issues begin. A XXXX employee alleges they sent an email to me on XXXX XXXX saying that I needed to verify the funds. I never received that message. My account was subsequently locked for safety but I received no message stating my account was locked nor how to open it. When checking my account through the mobile app, about XXXX XXXX  later, an error said my account was locked without any other information or instructions to unlock it. Calling customer service again, around XXXX XXXX, I was told that my transaction was over the limit and was automatically locked ( this is false, representatives on XXXX XXXX told me that previous information was wrong and my {$2500.00} transaction was much lower than the {$150000.00} limit they place ). On XXXX XXXX, I was told to write an email to XXXX with a statement telling them that I am the account owner and to unlock the account. However, this person did not tell me there was an actual form to fill out. I specifically asked what I need to say in this message and I followed the instructions by this representative. I called back after XXXX XXXX and was told my message was being processed and to check back in after XXXX XXXX XXXX On the XXXX business day ( XXXX XXXX ), I was informed that my message to that XXXX was never received. The representative asked me to resend the message and informed me that the message, finally received, did not include the required statement. My bank  account is still locked and multiple representatives have given me incomplete and false information.
Consumer complaint received 2021-11-10
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)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-07-26
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. (TX)

Checking my credit report a few months ago, I discovered errors regarding the account of XXXX XXXX XXXX ). This is violating my rights. I disputed these errors directly with the XXXX credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC Code 1666b This code establishes that a creditor may not treat a payment as late on an open-end consumer credit plan account unless the creditor has adopted reasonable procedures to ensure that each periodic statement that includes the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor no later than 14 days after the close of each billing cycle.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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  XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  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 has violated my rights. 

I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-25
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: Experian Information Solutions Inc. (IL)

This letter serves as my final demand regarding the unresolved discrepancies, unverified, and inaccurate negative items on my credit report. Despite multiple attempts to rectify these issues, your failure to act is both unacceptable and intolerable.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

So who may concern that I have filed a claim for almost a month and a half to get my funds back into my account the amount was stolen from out of my account was {$XXXX}. I file multiple claims to get my phone back, but they keep denying my claim due to the fact day said fine authorized by me and I told them that the phone was stolen from a park and the person who took my phone stole funds out of my account I file a police report to get to my give to my bank, but they still keep denying my claim due to the fact, they said I authorize the payment. I have proof that the phone was stolen i show evidence of the person who stole my phone and the person that stole funds out of my account also, I called them multiple times to see how the process is going, and I also told them that a private XXXX was on the case also but they still deny my case suits the fact that they said authorized transaction and the phone that was stolen from me was my final so have a new down payment on my home and Im trying to get my phone right now cause Im living in a XXXX  with me and my kids on my phone was stolen from me
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Recently, I reviewed my XXXX consumer credit report and noticed it was several inaccurate and incomplete accounts. According to the FCRA it's illegal to report inaccurate and incomplete items. By law you are obligated to investigate these inaccurate accounts. 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 of inaccurate or incomplete. 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. XXXX and transunion has this account open XXXX has this account closed. Please remove this account immediately! Thanks! XXXX XXXX XXXX  - ( account number ) - XXXX
Consumer complaint received 2024-08-19
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. (NJ)

These inquiries was added without my knowledge Inquiry 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 2024-10-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL (LA)

After multiple calls to me and family I reached out to this company. The woman I spoke with identified them as AMA recovery and they have legal matters to discuss.. She proceeded to tell me that a credit card was opened in XXXX in my name which is incorrect. This account supposedly defaulted in XXXX but sat until going to collections in XXXX. And now the credit card company is filing suit for breech of contract and if I paid today it would be settled. Told her I wasnt paying anything until I had validation of this debt provided and that they can send it to my address that they have on file, something easily found with a simple search. I also requested they stop the repeated calls to me and my family. The woman claimed that the company making the constant calls was not them but a company they hire so there wasnt anything she could do about that. She also claimed that this company was not a debt collector despite the company saying they were calling to collect a debt, legal matters etc on multiple voicemails. She then told me I was a liar and that they were not collectors but a recovery company. This woman got ruder and ruder when she realized I wasnt falling for her scare tactics, told me that if I paid my bills I wouldnt have this problem and other disparaging comments when I wouldnt play her game. She said again that they were going to send someone to serve me papers for the lawsuit to which I told her that was fine and from now on a wanted any further communication to be via mail only. I told her to not contact me or my family again via phone. She didnt like what she heard and said she wasnt going to speak to someone being disrespectful and hung up on me and continued to hang up on me on all future calls. They have refused to answer anymore questions. I feel this is either a scam or a junk collector attempting to use scare tactics and practices that are illegal. I have contacted my attorney about this issue and they have advised me to route further contact to them when possible and any suit filed will be handled in their office. They also advised me to file this complaint and document all further communication.
Consumer complaint received 2024-07-25
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. (RI)

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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. (OR)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from XXXX XXXX account number XXXX in the amount of XXXX  $ from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

Despite the recent XXXX basis points rate cut from the Federal Reserve, Chase Bank NA continues to maintain a usury, rent-seeking annulized interest rate ( APR ) for purchases ( as of XX/XX/year> ) of 22.99 % and a cash advance APR of 29.74 % ( as of XX/XX/year> ) on past and future balances on my business credit card ( XXXX XXXX XXXXXXXX XXXX Business, XXXX XXXX XXXXXXXX ending XXXX XXXX )
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Sequium Asset Solutions, LLC (TX)

XXXX I bought a phone from XXXX XXXX XXXX using a trade-in phone to reduce the price of the new phone, and XXXX XXXX XXXX deceived me into a 3year contract for phone service by disguising the terms of the exchange as 36 monthly installment amounts for both my trade-in phone and the phone I was buying. After 12 monthly payments against the balance for the new phone ( less trade-in value ), the new phone was paid in full. However, XXXX XXXX XXXX credited a much smaller monthly amount for the trade-in phone, and claimed that I still owed them for the trade, when in fact they took the trade-in device all at once and did not give me credit all at once. 

XXXX XXXX XXXX XXXX violated the contract when they terminated my phone service before the contract ended because they refused to unlock the new phone which was paid in full. 

XXXX XXXX XXXX then outsourced my account to a collection agent, Sequium Asset Solution who hounds me for {$760.00} in bogus charges from XXXX XXXX XXXX for a phone that was paid for in full. XXXX XXXX XXXX 's claim is that I owe {$760.00} in payment against the new phone, when in fact that amount is the balance of CREDIT that XXXX XXXX XXXX  OWES ME for the trade-in phone. 

Sequium 's {$760.00} derogatory claim in my XXXX credit report is a fictitious balance against a phone set which was PAID IN FULL in compliance with a purchase contract. Consequently the claim by XXXX XXXX XXXX and Sequium is a BOGUS claim and false accusation that I haven't honored the purchase contract.. 

{$1100.00} contract phone price for the new phone $ XXXX less contract value of trade-in surrendered to XXXX XXXX XXXX XXXX XXXX less balance paid as XXXX pmts of {$33.00} monthly XXXX thru XXXX $ XXXX contract OVERPAYMENT for phone XXXX XXXX XXXX is required to unlock the phone when its been paid for, but THEY VIOLATED THE CONTRACT when they refused to unlock it. They were advised that they would lose a customer if they refused to honor the contract and unlock the phone, and they did in fact lose the customer when THEY AGAIN VIOLATED THE CONTRACT by canceling service on XXXX. ALSO IN VIOLATION OF THE CONTRACT, at no time did XXXX XXXX XXXX offer the Dispute Resolution by Binding Arbitration specifically called out in the contract.