davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NC)

This letter serves as my response to your recent communication regarding my Consumer Financial Protection Bureau ( CFPB ) complaint. After reviewing your response, I find that your company has failed to comply with applicable state and federal regulations concerning consumer rights and credit reporting. By not adhering to these legal standards, you have chosen to infringe upon my rights as a consumer, resulting in harm to my credit profile creditworthiness and financial standing.

Due to your failure to uphold these regulatory obligations, I am left with no alternative but to initiate a formal complaint in my local district court. This action will address your non-compliance and seek appropriate remedies for the damages incurred as a result of your actions. You will find a copy attached to this compliant.

I trust that, moving forward, you will take this matter seriously and review your procedures to ensure compliance with all applicable regulations to prevent further infringement on consumer rights. Should you wish to resolve this matter amicably prior to court proceedings, I am open to discussing a resolution that respects my legal rights and mitigates any further harm.

Please direct any additional communication to me in writing at the address listed above.

Thank you for your attention to this matter.
Consumer complaint received 2017-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (NC)

We signed up for a new credit card -- Gold Delta SkyMiles American Express card -- in early  XXXX . There were no membership fees when we signed up. After a year of using the card, an annual membership fee was assessed for {$95.00} on  XX/XX/XXXX . We decided that the card was not worth the cost, and according to the card agreement, we canceled the card within the grace period.
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On or before XX/XX/XXXX , I called AmEx to pay off the {$11.00} balance, get the membership fee removed ( this was well within the grace period given in the agreement ) and to close out the account. I had asked the credit card representative ( over the phone ) for the exact amount needed to close everything out completely. I payed that full amount. The payment for {$11.00} posted  XX/XX/XXXX , but the membership fee reversal did not post until  XX/XX/XXXX , even though I had called to reverse it and close the account no later than  XX/XX/XXXX . On  XX/XX/XXXX , AmEx assessed a late fee for the {$95.00} membership fee that should have been reversed when I called a week earlier.
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Since then, AmEx has been assessing late fees each month for the imaginary balance due to their own negligence. I and my husband have called many times to clear this up, but each time, the credit card representatives tell us they have no power to remove the spurious charges, even after the situation is made clear to them. Instead they try to bully us into just paying the late fees to take care of the situation. They offer no other alternatives and no way to contact someone at AmEx with the power to do anything other than take our money.
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Evidently, our credit scores are now being affected, which is completely unacceptable. We would like for AmEx to reverse all charges and clear up the credit reporting with each credit reporting service affected.
Consumer complaint received 2024-10-26
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 (KY)

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : DISCOVERBANK, NUMBER : XXXX XX/XX/2024 Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TN)

On XX/XX/XXXX, I wanted to transfer some money to crypto so I placed a wire transfer to my account, Chase fraud department contacted me I spoke with the representative so she told me she couldn't verify me. So they rejected the transfer. So I waited a while the same day to transfer again and still decline after I go to the bank in person. I was told to wait 24 hours by an associate to wait 24 hours and then the XXXX should process, waited 24 hours still rejected. On the XXXX of XXXX I tried to process the same XXXX twice, rejected. The last representation told me she wasn't going to process because crypto has been scamming and as she can see the reviews are negative on that website. I asked her what do that have to do with me in which I placed money over previously and I never had an issue with crypto. So she said no I will not be transferring your money over to crypto its decline. I tried a lower amount for XXXX and the next representative did that plus stated she said that my account will go under investigation upon checking they will be closing my account because of this transfer. I said that's no excuse I can invest my money how would like to. So the bank issued out a official check for both account and then they closed both of them.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (WA)

A credit card was opened without my knowledge or consent. There were charges placed on this card. I received the past due notification and contacted Synchrony Bank immediately on XXXX  XX/XX/2023. The representative took my information and would not close the account as I requested & did not forward it to the fraud department. When I contacted the bank again today, notes were placed on my account from XXXX  's call but no actions were taken by the representative. This was escalated and the supervisor was very impertinent. I request the following actions to be done immediately. 
*Amend my credit report - My credit was excellent with a score of just shy of XXXX. I lost XXXX points because of this. 
*Receive a call back from Synchrony Bank by a individual who will take action. My phone # is XXXX. 
*Receive a letter of apology from Synchrony Bank XXXX not a form letter ) I believe none of my requests are out of line and are directly driven by this situatuion.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-07-15
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)

XXXX  has consistently been a problem.  XXXX   XXXX    XXXX    & Experian has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents.
Consumer complaint received 2017-07-16
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. (TX)

Under CFPB case  XXXX ,   XXXX   XXXX   informed me that they would initiate an identity theft fraud investigation and informed me of the results after 60 days. The 60 days has passed, and I have yet to receive the findings of the investigation. I have provided   XXXX   XXXX   a copy of a police report filed with the   XXXX   Texas police department and a identity theft report from the Federal Trade Commission.   XXXX   XXXX   informed me of the fraud investigation on  XXXX   XXXX , 2017. I provide them the police report and identity theft report via certified mail (   XXXX    ) which was received by   XXXX   XXXX   on  XXXX   XXXX , 2017.
Consumer complaint received 2017-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (PA)

On   XXXX   XXXX  , 2017 my daughter had her wallet stolen. The  XXXX  incident report is number  XXXX  from district   XXXX   reported by officer  XXXX . She was secondary user on my   XXXX   XXXX    reward MasterCard  issued by Barclay. I called to report it stolen and at this point I wanted to close the account. The thief used the card and charged {$83.00}. I was told not to worry as that would be marked as fraud and I was not responsible for the charges. Then the {$83.00} was debited from my checking account as I did have automatic payments on my account. I called and was told that the first person did close my account but did not flag the fraudulent charges correctly. I was told they could not credit my checking account back the money and would see about getting me a refund for the fraudulent charges.They wanted to credit the charge card but it has been closed. I asked if they could send me a check. I waited and nothing occurred. I called again and was told they could reverse the debt from my checking. It was refunded back to my checking. Now I have received an email that my account is 2 months overdue. This has now affected my credit score and dropped it over  XXXX  points. I need to have them fix this account by marking those charges correctly as fraud. Then they need to show my MasterCard account as currently and never overdue. They must then fix my credit score.
Consumer complaint received 2017-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On Thursday,  XX/XX/XXXX , Chase shut down all of mine and my wife 's credit card accounts (  XXXX  in total ) without any prior notice and we were sent notice a few days later that they will be shutting down our checking and savings accounts on XX/XX/XXXX . After repeated attempts to contact the bank, all of the supervisors have been either unable or unwilling to provide any insight into the unilateral account closure. The only explanation they shared is : '' The banks exercised its right to shut down your accounts. '' After conducting further online research, we connected with more than 10 other account-holders that experienced similar unexplained account closures within the past year. So far, the only common denominator we 've been able to uncover between our accounts is a religious affiliation. We are all  XX/XX/XXXX . At this point, absent a further explanation from the bank, we have been forced to conclude that our accounts were unilaterally closed for reasons relating to religious discrimination.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Carvana Group, LLC (GA)

I am writing to formally dispute an unauthorized inquiry into my consumer report made by Carvana LLC on XX/XX/year>. This inquiry is a violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : Unauthorized Access : According to 15 U.S.C. 1681b ( a ) ( 3 ) ( F ) ( i ), my consumer report was accessed without my permission or a legitimate purpose. I have not conducted any transactions with Carvana that would justify this inquiry. 

Improper Purpose Certification : Under 15 U.S.C. 1681b ( f ), any entity obtaining a consumer report must certify the purpose for which it was accessed. There is no evidence that Carvana complied with this requirement. 

Lack of Consumer Initiation : Pursuant to 15 U.S.C. 1681b ( c ) ( 3 ), inquiries connected to credit or insurance transactions must be initiated by the consumer. Since I did not initiate any such transaction, this inquiry is unjustified. 

Obtaining Information Under False Pretenses : As per 15 U.S.C. 1681n ( a ) and 1681q, knowingly obtaining consumer information under false pretenses carries serious consequences. This inquiry appears to fall under this category, as it was made without valid grounds. 

Liability for Willful Noncompliance : Under 15 U.S.C. 1681n ( a ), individuals or entities that intentionally fail to comply with FCRA regulations may be liable for damages. I am entitled to either actual damages incurred or statutory damages up to {$1000.00}. 

Given the violations outlined above, I request the immediate removal of the unauthorized inquiry from my consumer report : Inquiry Date : XX/XX/year>XXXX  Company : Carvana LLC In addition, I seek a settlement of {$1000.00} for the damages incurred as a result of this violation. Please provide payment via check, direct deposit, or XXXX to ensure prompt resolution.
Consumer complaint received 2017-07-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I had started to make weekly payments back in  XXXX , for {$50.00}.
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A total of 36 payments had been made, equating to {$1800.00}.
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There was then a repayment fee applied??? Thus, I was penalized for making payments on this loan: XX/XX/XXXX  -- Repayment Fee -- {$340.00} I had made numerous calls around that time to discuss the payments that I had made as well as the repayment fee. I could not get any assistance, nor see any of my payments being applied. There is no indication that any of my payments have reduced my principal balance.
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I had noticed another " repayment fee '' that was applied prior to that :  XX/XX/XXXX  -- Repayment Fee -- {$370.00} I had also questioned this, and was not able to get any explanation.
The account is riddled with random fees, such as " insurance premium '' and " adjustment ''. There is absolutely no explanation/indication as to what these fees are. Moreover, I am being penalized for making payments on this student loan?
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Again, I had just made a payment on  XX/XX/XXXX  for {$100.00}. This payment was not applied to principal. The entire payment was applied to interest. There is no indication of how this payment adjusted the total balance of the loan. The total balance of this loan has continued to grow, despite making the {$1900.00} payments indicated.
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It is near impossible to get a hold of customer service agent. If one is able to get a hold of an agent, they do not provide any information/clarification as to what is happening with this loan. I am being taking advantage of by this company in a very egregious way.
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The loan did not go into repayment until just now, indicating that my first payment is due on  XX/XX/XXXX  for {$37.00}. I do n't know what to do given that all my prior payments have disappeared -- and I was additional penalized by making these payments before the loan was due. This is absolutely unheard of -- and frankly an abusive practice.
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I have yet to see any of my payments being correctly applied to this loan, as well as yet to receive an explanation on all the " miscellaneous '' fees I am seeing being applied to the outstanding loan balance.
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My unpaid principal balance is showing higher than the initial loan amount. How is this possible?
Original Principal : {$10000.00} Unpaid principal :  XXXX  Unpaid Interest : {$570.00} Again, none of the payments I have made over the life of the loan have been applied. This was previously a  XXXX  loan, and there were payments made during that time as well. I have contacted my bank to obtain statements showing the payments made prior to the loan being sold to Navient.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc. (AZ)

I AM GETTING HIRED AND THEN DENIED A JOB BECAUSE THIS SITUATION KEEPS SHOWING UP ON MY BACKGROUND CHECK ....
Explanation from XXXX XXXX XXXX The XXXX XXXX XXXX they were all misdemeanors at an AZ casino. The court documents show the fines were paid, happened years ago however remain on my record but as far as my explanation I was playing XXXX and XXXX XXXX and was banned from a casino in AZ and the only reason I have these multiple charges is that I did not know the other casinos were owned by the same XXXX XXXX because it would have my profile show up in their security database. <P/> The only reason I was doing this is because I needed to make some extra money when I was laid off in order to make ends meet. I am not a criminal whatsoever and never will be and do n't have any felonies on my record. <P/> Let me give you an example?
XXXX
If you got a speeding ticket it states on the ticket criminal speeding. Does that make you a criminal? NO.
XXXX
This is not like I trespassed into someones house or something. It was at a casino and should be off my record and background check. Please understand because I am being denied jobs from employers because of this and need to make a living.
XXXX
As far as the XXXX XXXX there was a miscommunication because a taxi driver said I didnt pay him when I paid him in cash. A police officer came to my house because the cab driver filed a report against me. I was not arrested and the police officer said just take him to court so the cab driver did. The prosecutor said XXXX XXXX this is stupid and you dont want to have it on your record so I paid him again, it was signed off by the judge in XXXX, and the charges were dropped which I have provided the documents for.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

My rights have been violated due to inaccurate information being reported using permissible purpose ( 15U.S.C.1604 ). My rights have been violated by a block of information resulting from identity theft ( 15U.S.C.605B ). I have been denied bank loans due to these violations ( 15U.S.C.602B ). I was denied consumer goods and also these companies have violated the Violation Of Privacy Act of 1974.i.e. XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX XXXX
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

During this Covid-19 pandemic a better plan needs to be implemented to assist homeowner in this trying time. 

A Loan Forbearance DOES NOT HELP!!! 

A loan DEFERMENT is the very best solution!!! 

How can the mortgage companies expect you to make full restitution after the forbearance period when you have not been working a do not have the funds accumulating to pay the account. This is another indifferent application by the mortgage companies to give false hope to the homeowner. Please stop the mortgage companies from implementing this practice or option. 

A deferment helps everyone involved. The banks get their money at a different time and the consumer gets the proper relief needed to get back on their feet. 

Please give this dire situation all the attention it needs Many Thanks XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.