davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

JP Morgan Chase Bank, at which I had checking and savings accounts for 40 years, is unlawfully holding my funds and refuses to release them. 
This complaint follows my XX/XX/XXXX CFPB complaint ( # XXXX ). I sent the earlier complaint because a check I drew from my Chase checking account in XXXX was stolen and cashed, without my knowledge or authorization. Chase says it attempted to contact the bank that my stolen check was cashed at ( XXXX XXXX ), but that XXXX XXXX was unresponsive, and therefore Chase said, it would not help me recover the stolen funds. 
NOW : After Chase announced its refusal to help me, I sent complaints to CFPB ; to the New York State Attorney General ; and to the New York State Governor 's Office. Suddenly, Chase says that it HAS RECOVERED my stolen funds. 
And yet, Chase is not above retribution. In XXXX I received two envelopes from Chase, each containing one cashier 's check, and each for the exact amount of funds that were stolen ( {$2000.00} ). In other words, I have no idea what to do about this gigantic error on Chase 's part : Do I cash one check and destroy the other? Is the second check compensation for the heartache and trouble Chase has caused me? 
I notified Chase Executive Offices immediately about the issue. As of this writing I have received NO GUIDANCE from Chase whatsoever. 
How is this bank entitled to treat New Yorkers so cruelly and indifferently? 
I desperately need this money, and Chase is earning profit off of it. This is unfair. Please help me stop Chase Bank 's unlawful holding of my funds.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. ()

I have travel insurance through my Chase Sapphire Reserve credit card. This insurance is offered by XXXX. My mother and I had a trip planned from XXXX to XXXX, but had to cancel due to her falling acutely ill. I submitted a claim on XX/XX/2023 for reimbursement of our covered costs ( flight, and hotel ), per their policy, including all requested documentation. I provided this documentation directly on their site, as well as via email to be sure. 

After not hearing back from them, I contacted them. They claimed I had not submitted a physicians statement or monthly billing statement document the charges, both of which I had done. I resubmitted this documentation on XX/XX/2023. 

On XX/XX/XXXX, they again requested my monthly billing statement, which I had now submitted to them three times. 

On XX/XX/XXXX, I was told that I was missing the monthly billing statement, relationship to traveler, physicians statement. After reviewing again, the agent told me that she had found the billing statement, but couldnt find the physicians statement and relationship. 

I asked to speak with a supervisor who told me that they had all documents but was missing diagnosis. I explained that would be a HIPPA violation. Supervisor requested proof of reimbursements in the form of monthly billing statement. I provided this. The supervisor told me that they were going to proceed to " final processing '' of my claim, and from what he could see, the documentation was in order. 

On XX/XX/XXXX, I received an email, with a copy of their physician 's statement document that they requested me to fill out. After explaining that the documentation I had provided should suffice, the examiner told me they would not proceed until they had this specific form filled out. Nowhere on their site, or Chase 's site does it cite this specific documentation as necessary, or the information they are saying they must have ( diagnosis and date of onset ). 

It seems as if the insurance agency is clearly drawing out the claim in the hopes that I abandon it.
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (NJ)

I am a natural person, I am a living human being, I have rights under 15USC 1681 XXXX and Experian is governed by 15 USC 1681. And they violated my rights numerous of times. I demand this account listed below to be removed because according to 15 USC 1681 : I have the rights to privacy and did not give XXXX and Experian any written permission to furnish this account : XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX
Consumer complaint received 2023-05-28
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: Experian Information Solutions Inc. (MD)

I was examining my consumer report and saw an account of US DEPT OF EDXXXX with informing the law in pursuant to 15usc1681a ( d ) ( 2 ) ( ii ) if the account is being verified as accurate from the 3rd party debt collection agency then there had to have been communication involved which is prohibited from consumer report. This is a violation of the fair credit reporting act, any communication from this account from other 3rd party corporations is in violations of the fair credit reporting act and is in violation of my privacy. I also see Experian is censoring me by not allowing me to dispute this account any further through online. I can not trust Experian enough to dispute through phone call because they could be misconstruing my words incorrectly. Please remove this account from my consumer report.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I was checking my account and noticed a charge on XX/XX/XXXX in the amount of {$440.00} from a debit card I dd not recognize and from Florida. I called to dispute the charge only to find out that it was made by a card assigned to my ex wife, who was removed from my account on XX/XX/XXXX. While they filed a claim to have the funds back into my account, no one can tell me : 1. How a card assigned to her was able to access my funds given that she was removed from my account?

2. How she could get a card with access to my funds given that she was not an authorized user on my account?

3. No one could assure me that this would not happen again.

4. Chase is now denying my claim to have the fraudulent withdrawal of funds added back to my account I have contacted Chase Customer service who denied the claim and the Executive Office who have been non respondent after initially acknowledging receipt of my complaint.
Consumer complaint received 2023-05-29
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (IL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a XXXX of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-28
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ] XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Collection Account - Violation of FCRA Laws in South Carolina Dear Sir/Madam, I am writing to formally dispute the collection accounts associated with my credit profile that your agency has reported. I believe that these accounts are in violation of the Fair Credit Reporting Act ( FCRA ) laws in the state of South Carolina. I request that you investigate the matter and take appropriate actions to correct these inaccuracies and violations. 
Repossession Dispute : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 

According to the FCRA, all information reported to credit bureaus must be fair, accurate, and substantiated. I request that you provide me with detailed documentation regarding the repossession, including : Documentation showing the repossession process adhered to all legal requirements and notice provisions as mandated by South Carolina law. 
15USC6802a 15USC6802b 15USC6802c 15USC6092c ( c ) I would also like to bring your attention to the fact that the FCRA requires collection agencies to inform consumers about their rights to dispute inaccurate information. I request that you provide me with the following : Written confirmation that you have initiated an investigation into the accuracy of the repossession account. 
A copy of the results of your investigation once it is complete. 
If the repossession is found to be inaccurate or unverifiable, please provide written confirmation that the account will be removed from my credit reports.
Consumer complaint received 2023-05-29
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: EQUIFAX, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (OH)

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. 

Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  XXXX Account Number # XXXX, Account name : XXXX  XXXX Account XXXX #, Account name : DEPT OF EDUCATION/XXXX  Account Number # XXXX, account name XXXX XXXX Account Number # XXXX, account name XXXX  XXXX XXXX Account XXXX # XXXX, account name XXXX XXXX XXXX Account Number # XXXX, account name XXXX XXXX XXXX Account Number XXXX, account name XXXX XXXX XXXX XXXX Account Number # XXXX, account name XXXX XXXXXXXX XXXX XXXX Account Number XXXX has, account name XXXX  XXXX/XXXX  XXXX  Account Number # XXXX, account name XXXX XXXX Account Number # XXXX XXXX account name XXXX XXXX Account Number # XXXX 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 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 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

When I got out of the XXXX XXXX in XX/XX/XXXX, I had a government debt that is still coming out of my social security payments, and the balance will be {$0.00} by the end of the year. I am a 100 % permanently and totally XXXX veteran. Experian has not updated this record since XX/XX/XXXX. Ive contacted Experian several times over the last year, attempting to open a dispute, but I can never get anyone on the phone and their online system will not allow me to submit a dispute. Despite my efforts to get Experian to update their records, a charge-off for a debt that was opened in XXXX is still on my credit report impacting me negatively through higher rates and credit denials. It has been 12 years, and not even a bankruptcy would still be there by now. Experians refusal to work with me on this problem has caused me great hardship.
Consumer complaint received 2023-05-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have two credit cards ( CC ) with Bank of America ( BoA ) and opened a checking account with them in XX/XX/XXXX. BoA told me that the system created a new bill pay profile due to this new checking account opening and hence I was not able to see/cancel my old bill pay profile where I had two recurring payments. In fact, for weeks even BoA agents couldn't locate the recurring payments and kept hanging up on me. 

On XX/XX/XXXX XXXX supervisors ( XXXX ) were able to locate the old profile and after hours on the phone, they ensured that they cancelled the recurring payments ( {$50.00} on XXXX, {$6.00} on XXXX ). On XX/XX/XXXX, {$50.00} payment on XXXX did go through and my external XXXX XXXX account was charged. I was furious and called BoA. Another supervisor ( XXXX ID : XXXX ) ensured that he cancelled the payments now but again, failed to give me any written confirmation. I insisted on talking to another supervisor ( XXXX ID : XXXX ). After hours on the phone, he located my second profile and said that payments were not yet cancelled and that he cancelled it finally. But again, no written confirmation at that time. 

XXXX then promised to call me on XX/XX/XXXX, between XXXX - XXXX XXXX ET : 1. Ensuring recurring payments are cancelled.

2. Providing written confirmation.

3. A possible compensation for my time spent. 

He didn't call between the promised time and at XXXX XXXX  left a XXXX with no information on these 3 points. I called back within XXXX mins and talked with XXXX I. She said she gave the message to XXXX and he promised her that he will call me back the same day. XXXX never called back. 

On XX/XX/XXXX, I complained to XXXX XXXX XXXX and XXXX XXXX on behalf of BoA acknowledged their mistake of failed attempts to cancel my payment which resulted in hours and hours of mental agony for me. She however denied compensation for that in a letter on XX/XX/XXXX. 

If BoA does not provide a compensation of at least {$250.00} for the inconvenience, I will report these unfair practices to Federal Trade Commission and other relevant governmental/legal agencies like the Attorney General in the State of New Jersey XXXX I have recording of all phone calls with BoA which I will provide as evidence.
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Transunion, I am writing to request that the following accounts be removed from my credit profile : XXXX XXXX XXXXXXXX and XXXX XXXX. XXXX XXXX XXXX XXXX It has been more than 15 days since I first contacted you regarding these accounts, and they are still appearing on my credit report. 
I mentioned I was in a Data Breach Previously & also placed a security freeze on my account fraud alert. 
I updated personal information as such XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX providing my Address and as well as License for Proof of address and still theres things lingering on my account that clearly is no prove to have no connection or accurate proof to me in no way. 
I would appreciate it if you could remove these accounts as soon as possible and update my credit report accordingly. It is NOT MINE and defamation to me, due to the FCRA is also against the consumer law. This has been hindering me tremendously for far too long now. 
I WANT THIS GONE NOW so I can live my life without any financial hardship and anymore due to the negligence of the Transunion Credit Agency I am stuck in a dark place where I cant even obtain credit to help me in my dyer situations and that alone is not FAIR as a Honest and victimized individual. 
Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-28
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. (NC)

on XX/XX/2023 i went to XXXX XXXX  to open a credit card and they submitted my application and request came back that XXXX  credit agency was frozen. banker asked me to call XXXX  at the following number XXXX to have the freeze released. when you call they give, you two options to release the freeze 1- create XXXX  acct XXXX or option 2 send letter to XXXX i, chose option one and opened an XXXX acct online. i released the freeze and the next day i called my banker to let them know i had done so that is when the banker told me that i now had to use TRansunion to order credit report. transunion was also frozen so on XX/XX/2023 i called the number provided from XXXX XXXX for transunion and could not get customer service individual to help only automated service.i decided to open an online account for www.transunion.com and i provided confidential information including social security number, date of birth, full address and telephone number. when i hit enter button a pop up screen appeared asking me to give consent for transunion to pull credit on my behalf and i clicked yes.when i hit enter and went to the site all applications like freeze account was not available nor were any other choices on their site were also temporarily unavailable.I called the number for transunion and when i did there was a clunking sound on the phone and a very unprofessional woman answered with child crying in the background who said she could authenticate me with 5 questions to unlock freeze and no PIN required and she released the freeze.then XXXX ordered credit on XX/XX/2023 and credit card was approved, then I received 2 copies in 2 seperate envelopes of my credit report from transunion in the mail on XX/XX/2023. the report dated XX/XX/2023 showed no inquiries but the report dated XX/XX/2023 showed an account review inquiry that had " my name via TransUnion Interactive In '' and ( phone number XXXX ) and this was requested two times on XX/XX/2023. On XX/XX/2023 received a report dated XX/XX/2023 from TransUnion showing another account review inquiry from XXXX ( phone number XXXX ) with two requests dated XXXX and XX/XX/2023. 
I did not make these requests and have contacted social security, filed a police report and am filing this report. As of today I have no idea what my credit was used for in the 4 requests that I have mentioned that I did not authorize. there are no valid contact numbers that I can locate for either of the companies that have submitted credit requests on my behalf.
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.