davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

On or around XX/XX/XXXX I closed my Chase Preferred credit card ending XXXX. At this time, I asked for my annual fee to be refunded that I had previously paid, which was {$95.00}. When I spoke with the rep on this date, the rep stated I would need to call back in 1 month to receive my money. I stated this seems odd, given I could see the credit adjustment on my Chase app account and that I should receive the check within a week or so. 

On or around XX/XX/XXXX, I spoke to another Chase rep from the XXXX asking to have my credit balance of {$95.00} refunded to me in the form of a check. That rep stated that they would have to research my previous call to verify if that was stated by the prior rep. And that Chase would call me back within 2-3 business days alerting me the outcome of my escalation ( I also asked that they log this as a Complaint in their system of record ). Additionally, they sent me a letter on XX/XX/XXXX stating my account has been credited, however no further check was sent to refund me my money. 

On XX/XX/XXXX, I called back to Chase, asked for a XXXX XXXX XXXX and ended up being transferred to a rep overseas in the XXXX. At this time, the rep confirmed I am owed {$95.00} and that she would begin to process the check. I was confused because I was promised this previously. The rep stated it would take 7-10 business days for the check to arrive, but I then stated I'd like it overnighted due to the delays. 
At this point I believe Chase is withholding my money and I would like my funds immediately plus Time Value of Money and additional compensation for the inconvenience so that they may learn from their servicing errors.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number :XXXX XX/XX/XXXX Experian Customer Relations XXXX XXXX XXXX XXXX, TX XXXX XXXX : Unauthorized Disclosure of Personal Information and Violation of Privacy Rights Dear Experian Customer Relations I am writing to bring to your attention a matter concerning the unauthorized disclosure of my personal information, which I believe constitutes a violation of the Privacy Acts No Disclosure without Consent Rule outlined in 5 U.S.C. 552a ( b ). I have recently obtained a credit report from your agency, and I discovered that certain details related to my child support account with the XXXX XXXX XXXX have been shared without my prior written consent. 

The specific information disclosed without my consent includes : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Child Support Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. {$40000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$40000.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : {$660.00} Original Balance : - Highest Balance : - Terms : 1 Month Source : Experian I would like to emphasize that, according to the Privacy Act, federal agencies are generally prohibited from disclosing personal information without the written consent of the individual. This disclosure, as detailed above, includes information about my child support account and its financial status, and I have not provided any prior written consent for such disclosure. 

I kindly request that Experian thoroughly investigate this matter, correct any inaccuracies resulting from the unauthorized disclosure, and take appropriate measures to remove the child support account from my credit report and prevent such incidents in the future. I am also open to providing any additional information or documentation to support the resolution of this matter promptly. 

I appreciate your prompt attention to this issue and look forward to a timely resolution. Please feel free to contact me at XXXX is my phone number or XXXX is my email address to discuss this matter further. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Over the past XXXX years, about once a month ( or XXXX months at the most ) CapitalOne BLOCKS a transaction for " SUSPECTED FRAUD. '' They have BLOCKED over XXXX transactions for " fraud -- NOT XXXX OF THEM WAS FRAUD '' Each I have to spend XXXX minutes on the [ phone with CapitalOne to say it is NOT fraud and then another XXXX minutes redoing the purchase. I am VERY annoyed AND I AM going to SUE THEM for my TIME SPENT dealing with their XXXX and my ANGER AND IRRITATION.
Consumer complaint received 2023-10-28
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. (MO)

I am writing to express my dissatisfaction with the results of my initial dispute and request for the removal of charge-off accounts from my credit report. Despite my previous efforts and the passage of a reasonable amount of time, these accounts remain on my credit report, negatively impacting my creditworthiness and financial well-being. As a result, I am filing a formal complaint and requesting that the credit reporting agency takes further action to rectify this matter. 

I initially disputed these accounts, providing comprehensive documentation that supports my claim that these accounts were inaccurately reported. Despite my efforts and the legal requirement for accurate and fair credit reporting, these accounts have not been corrected or removed from my credit report. 

I would like to highlight that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation within XXXX  days of receiving a dispute. It is now well beyond this timeframe, and the presence of these charge-off accounts continues to damage my credit standing. Furthermore, I have received no communication from your agency regarding the results of the investigation or any actions taken to resolve the matter. 

In light of the situation, I kindly request that you take the following actions : Conduct a thorough and timely investigation into the accuracy of these charge-off accounts, adhering to the guidelines set forth by the FCRA. 

Provide a detailed response outlining the results of your investigation, including any actions taken to correct the inaccuracies and the expected timeline for resolution. 

Remove the disputed charge-off accounts from my credit report promptly, as required by law, if they are found to be inaccurate or unverifiable. 

Send me a written report of the results of your investigation, a copy of my updated credit report showing the removal of these accounts, and a written explanation for any accounts that were not corrected or removed. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX  XXXX Balance : {$250.00} I will not stand for this level of incompetence from your company. It is absolutely absurd that a charged-off account still has a balance showing on the statement. You will provide a prompt and detailed explanation for this discrepancy otherwise remove this from my credit file. If you fail to do so, I will not hesitate to take legal action against your organization. 

XXXX XXXX XXXX : {$8700.00} I need to dispute charge off accounts that are still being reported on my credit file with still has a balance. This account have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report.
Consumer complaint received 2023-11-21
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. (MI)

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-28
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. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXXXXXX XXXX Balance : {$670.00} ; XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$740.00} XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX XXXX XXXX XXXX to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; XXXX XXXX XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX XXXX XXXX XXXX XXXX and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : Experian, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, etc... This notice is pursuant to 15 USC 1692 ( c ). The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of {$1000.00} for each violation listed.
Consumer complaint received 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-10-28
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. (OH)

I got a copy of my credit profile there were items on it, that I didn't recognized including addresses, phone number, incorrect birthdays etc... Which I was able to get deleted. I did a Police, and a FTC report and sent it to the creditor 's, and to Experian Credit Bureau. Experian did remove the items, and then 4 days later it was back on my credit profile. I called Experian and then I was told that it was put back on my credit profile because the creditor verified it was mine. I told Experian once again I'm a victim of identity theft. I told them again I never had these account. I was told I needed to dispute these items to have them removed. I sent in a debt validation letter to Experian disputing these items. I waited 45 days, and it came back verified. I sent out a second response validation letter. It came back verified, and then I asked Experian how is the creditor verifying debt that is not mine? Experian stated the creditor is saying that it was mine. This went on for an entire year with the creditor sending me correspondence 's stating here is the information that I requested which ended up being a monthly statement nothing more. for an entire year without anything other then a bill for every item. I send in information stating this is not validating the debt. For them to please send me the original contract with my signature on it. I have never received this to date XX/XX/. XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) this account only just recently reappeared back onto my credit profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

I received a letter from Well Fargo regarding them signing me up for identity theft protection, which they are supposed to refund. I called them XX/XX/XXXX spoke with XXXX and she said I would receive a check in 20 days. I never received a check. I called again on XXXX and spoke with XXXX he said that the prior agent didn't request the check, but he would and wait another 20 days. I still have not received a check.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/2024, I used Ally Bank 's eDeposit ( mobile check deposit ) service to deposit a check from the XXXX XXXX for approximately {$8800.00} ( refund relating to an amended return ). I used Ally Bank in this instance solely because it had a higher mobile deposit limit than my primary bank ( XXXX ). 

On XX/XX/2024, I received an email from Ally Bank stating that this money was " subject to an extended hold because some information on the check is not consistent with other information on the check. '' On that same day I called Ally Bank XXXX and spoke with an agent who indicated that this was a routine hold due to the amount of the check ( $ XXXX ) and the source ( XXXXXXXX XXXX  ), and that the money would be available on XX/XX/XXXX, once the routine hold period had ended. 

On XX/XX/2024, I received an email from Ally Bank stating that my account ( and all of my other accounts with Ally ) had been restricted due to " suspicious activity. '' I called the number indicated XXXX and was advised my account was restricted solely because I had deposited a XXXX XXXX  Check and that Ally routinely does that while they are investigating the legitimacy of the check. I was informed that it could take " weeks '' for that investigation to be completed and that in the meantime I would have no access to my accounts. I called the above number twice on XX/XX/XXXX - the first agent was very unhelpful and basically said there was nothing I could do other than to wait until an investigator was assigned to my case. The second agent I spoke with was more compassionate and explained that unfortunately this is the process that anyone who deposits a XXXX XXXX  check with Ally Bank is now subjected to. On both occasions I was able to answer all identity questions relating to my account. 

I understand the need for a temporary hold on the release of funds for a check > {$5000.00} and I have no problem with this. I had accepted that aspect and was anticipating having access to the deposited money on XX/XX/XXXX. My issue is with the blocking and restriction of my account which was done without any legitimate basis and also with the fact I am being forced to wait potentially WEEKS while Ally " investigates '' the legitimacy of a check mailed to me by the IRS. It seems unacceptable to me that a bank can routinely block access to a customer 's banking account - and the associated funds - without any reasonable basis for doing so. Also it seems unacceptable that Ally Bank does not warn the customer at the point of depositing a XXXX XXXX check that a temporarily hold of at least 5 days will automatically be placed on the check and that the account will also be blocked/restricted while an investigator verifies the legitimacy of the check. It is also unacceptable that Ally gives no specific timeframe about how long the investigation could take. 

I am unable to access the account number of the account in question as Ally Bank has restricted my online access to all of my Ally accounts.
Consumer complaint received 2023-10-03
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. (NC)

I asked Transunion, XXXX and XXXX to Investigate the legitimacy of these accounts. 

Account Name : XXXX Account Number # XXXX Account Name : XXXX XXXX XXXX Account Number # XXXX I asked for these accounts to be investigated because I do not recognize these accounts and furthermore the discrepancies raised more concerns with the reporting standards of these accounts. I specifically asked for substantial proof and any evidence showing my consent supporting the nature of these reporting 's. 

TRANSUNION and XXXX both stated that the accounts were 'VERIFIED AND UPDATED '' however that can not be true because the accounts that I asked to be investigated are still showing MAJOR discrepancies in the reporting between the bureaus. 

THE CREDIT BUREAUS NEVER TRULEY investigated these accounts and still continue to report them to my consume report. " According to Law 15 USC 1681s-2, a person shall not furnish any information relating to a consumer if the person knows or has reasonable cause to believe that the information is inaccurate. 

Attached is proof of falsely investigating and discrepancies ARE HIGHLIGHTED. 

XXXX  did not respond to my dispute but I have already previously submitted a complaint for them**
Consumer complaint received 2024-08-15
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (MA)

On XX/XX/XXXX I received an email from XXXX notifying me that a collection was added to my XXXX file. Further investigation showed that it was posted by Sunrise Credit services on behalf of XXXX. 
On XX/XX/XXXX and XX/XX/XXXX they posted the same collection on my XXXX and XXXX account I had not then and still have not received a debt validation letter from Sunrise Credit Services. 

Until XX/XX/XXXX I had been a long term XXXX customer. 
I was fed up with XXXX 's ongoing service problems, equipment failures and price increases and on XX/XX/XXXX I had XXXX XXXX installed and cancelled my XXXX XXXX On XX/XX/XXXX I returned my equipment and received a Thanks for returning my equipment email from XXXX. 

I was subsequently invoiced for XXXX, XXXX and XXXX. On XX/XX/XXXX I called the XXXX toll free number and spoke to XXXX, a XXXX employee who confirmed that I last used XXXX in XXXX, XXXX. She explained that she would process an adjustment, at which time I would be " all set ''. 


After I learned of the collections notice I posted a complaint on a XXXX XXXX XXXX at the end of XXXX and was able to chat online with a XXXX XXXX who said that the account had been sold to a collection agency and there was nothing she could do, I do not owe anything to XXXX or a collection agency. These are both large corporations that hide behind an online presence. 
It won't take you very long to figure out that being billed after cancellation occurs often, there are complaints in the XXXX forum, XXXX groups and the XXXX XXXX XXXX  for starters.
Consumer complaint received 2024-08-15
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (NY)

they kept on calling me over 5 timer per day... threatened me to take legal action & will come down to my address. 
they kept on changing the amount i owe them to XXXX and then XXXX and then XXXX and so on. they also mailed me, emailed me, & texted me nonstop
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist denied my applicstion for a business credit card because of information garned from a personal credit file. I informed that this action was agaainst the law because is 15 us1697 states that adverse action can not be taken against a consumer where its know that the credit file being used to make the credit decision contains obverious errors and is incomplete.