davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO. (NJ)

I am writing to formally file a complaint against JPMCB Card regarding several violations of my consumer rights. Specifically, I am concerned about breaches of both Federal and New Jersey State laws relating to the handling and disclosure of my personally identifiable financial information. 

( Violation of Federal and State Privacy Laws ) - JPMCB Card has failed to provide me with the opportunity to opt out before disclosing my personal financial information to third parties, including other financial institutions and consumer reporting agencies. This lack of disclosure and opt-out option violates my rights under the Gramm-Leach-Bliley Act ( GLBA ) and the New Jersey Data Protection Act ( NJDPA ). 

Despite my clear instructions that I did not consent to such disclosures, JPMCB Card has asserted their right to share my information based on their Privacy Policy and Privacy Notice. However, these documents state : " Personally identifiable financial information collected by financial institutions ( like XXXX XXXX XXXX is subject to other federal privacy laws ( such as the Gramm-Leach-Bliley Act ( GLBA ) ). '' " For New Jersey Residents : We will not share information we collect about you with non-affiliated third parties, except as permitted by New Jersey law, such as to process your transactions or to maintain your account. '' ( Failure to Provide Accounting Information ) -I have also requested a detailed accounting of my account, including documentation signed by an authorized representative, to clarify the true amount owed and the source of funding for the account. Instead, JPMCB Card has only provided me with a copy of the Promissory Note, which reveals multiple violations of the Truth in Lending Act ( TILA ). 

( Inadequate Handling of Correspondence ) - Additionally, despite my specific instructions that all correspondence be sent to a designated address, JPMCB Card continues to send mail to an address that is inconvenient for me. This disregard for my specified address is a violation of my privacy. 

( Identity Theft and Extortion Concerns ) - Federal law defines identity theft as " a fraud committed using the identifying information of another person '' ( 15 USC 1681a ( q ) ( 3 ) ). By disclosing my personal information without my consent, XXXX XXXX actions can be considered identity theft. Furthermore, these actions may also involve depriving me of my rights under color of law ( 18 USC 242 ) and could be construed as extortionate collection practices ( 18 USC 894 ). 
If these issues are not addressed promptly, I will consider taking further action to protect my rights, including seeking damages for breaches of the Fair Credit Reporting Act ( FCRA ), TILA, Uniform Commercial Code ( UCC ), and New Jersey consumer protection statutes.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2024 [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX NC, XXXX ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX  Block Request [ Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX s ) resulting from XXXX  that should be blocked and/or removed. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX NC, XXXX ]
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

I am writing to you to request your help in a matter related to a fraud that has occurred in my bank account. My XXXX XXXX account number XXXX was subject to an illegal withdrawal of {$12000.00} without my authorization from American Express. Although XXXX XXXX has returned the sum of {$4600.00} to me, they told me that the rest of the money must be returned by American Express ( A.E. ).

Unfortunately, I have had difficulty obtaining information from your company regarding these transactions. Even the police in Pinecrest, Florida, have been unable to obtain information and have had to go to a judge to obtain the necessary information ( subpoena ). I am concerned that A.E. is hiding the person who took the funds from my account. 

For this reason, I formally request that the funds illegally withdrawn from my account be returned to me. I have obtained the following American Express ACH transaction numbers from my bank, XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

I urge you to fully investigate this matter and find out why A.E. is covering up the scammers involved in this crime. I hope you can work with me to resolve this matter in a timely and fair manner. 

Please contact me through my email address XXXX or by phone at XXXX. I appreciate your prompt attention to this matter and look forward to your response as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-19
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. (NC)

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 trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information 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 2024-08-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/scrub> 2024, at XXXX I was transferred to Chase Customer service department to ask for a reversal of Overdraft fees that were charged to my account. The representative put into the system a request to have the fees returned to me. I was then informed by the XXXX that my request was denied. I asked for my call to be escalated to a person that I can instruct to have the fees reversed and I was transferred to a XXXX XXXX XXXX, ( spelling he gave me ) XXXX in the escalation department. XXXX XXXX tells me that he will not be reversing the charges. We are investors in Chase. While they're acting as an intermediary between the Trust and the Federal Reserve. Accepting funding from the Trust, as an investor puts Chase in a fiduciary role. It also requires acting ethically, leading effectively, and fulfilling their fiduciary duties. Chase is in breach of its fiduciary duty, when a fiduciary fails to act responsibly in the best interests of its client/investor. They are taking every deposited check, and every federal reserve note that is deposited into the Trust account and securitizing it. This was never disclosed when the account was open. This is allowing them to make XXXX 's what was deposited and giving back nothing. This is considered UNJUST ENRICHMENT. on XX/XX/year>2024, at XXXX I was transferred to Chase Customer service department to ask for a reversal of Overdraft fees that were charged to my account. The representative put into the system a request to have the fees returned to me. I was then informed by the XXXX that my request was denied. I asked for my call to be escalated to a person that I can instruct to have the fees reversed and I was transferred to a XXXX XXXX XXXX, ( spelling he gave me ) XXXX  in the escalation department. XXXX XXXX tells me that he will not be reversing the charges. I am an investor in Chase. While they're acting as an intermediary between my Trust and the federal reserve. Accepting funding from my Trust, as an investor puts Chase in a fiduciary role. It also requires acting ethically, leading effectively, and fulfilling their fiduciary duties. Chase is in breach of fiduciary duty, when a fiduciary fails to act responsibly in the best interests of an investor. They are taking every check and funds that is deposited into my Trust account and securitizing it. This was never disclosed when the account was open. This is allowing them to make XXXX 's what was deposited and giving back nothing. This is considered UNJUST ENRICHMENT. We are Instructing Chase to return the fees charged to the account. We are also requiring copies of all 1099 A 's, 1099 B 's ,1099 C 's, 1099 OID 's, filed using the Trust EIN or any Social Security # used to open the Trust account for XXXX XXXX Private UNREVOCABLE TRUST.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Myself and my mother are fully XXXX Individuals ; that has been fighting Identity theft for over 6 years.

I have recently reviewed my Credit Reports from all 3 Credit Reporting Agencies, and was shocked to have learned that I have been a victim of identity theft. I found numerous accounts that are 3 Collection accounts that were found unverifiable, invalidated, and inaccurate, on my credit reports that were not opened by me ; as well as, multiple fraudulent incorrect usage of my Name.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S. Code. 1681e ( b ) and U.S. Code 1681 ( 5 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

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  Dear Credit Bureau XXXX I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to XXXX XXXX XXXX A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 



List : Capital One, Account Number last XXXX XXXX, XXXX, XXXX AND XXXX XXXX AND XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of XXXX XXXX XXXX. XXXX XXXX XXXX has caused severe stress and anxiety due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards XXXX XXXX
Consumer complaint received 2023-03-28
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. (MI)

This is my 3rd 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 : XXXXXXXX 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 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 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 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 2024-07-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (MO)

I XXXX XXXX is writing this letter because of a debt that was placed on my credit profile AMSHER COLLECTION SERV account number XXXX. I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has 5 days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights. 

Per consumer law 15 U.S. Code 1692g - Validation of debts- If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights.
Consumer complaint received 2023-03-14
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. (CA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX/201 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$780.00} ; XXXXXXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXXXXXX Balance : {$340.00} ; XXXX XXXX XXXXXXXX Balance : {$8.00} ; XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$20.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11.00}.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (AL)

My account with MERCEDES BENZ FINANCIAL was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

MERCEDES BENZ FINANCIAL Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-19
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: DISCOVER BANK (NY)

Applied for personal loan with Discover. Denied because they could not verify my credit information/ application information. No clarity provided over the phone regarding what information was needed/ missing. Adverse notice provides close to zero explanation on rejection for loan. Discover did not request to verify all loan application information before processing hard inquiry. Discover representative assured me that I was preapproved and presented the hard inquiry as a mere formality. 

XXXX was not up to date and could not confirm whether it should be updated automatically by XXXX or not.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/2023 my debit card was charged {$380.00} for XXXX 
I called XXXX and was provided proof another person bought tickets and used my email address which was hacked into. I called my bank to dispute the charge and provided proof of the name of the person who bought the tickets. Huntington has not provided a credit. They have actually said the company was authorized to charge my bank card.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

The unauthorized transaction is on Paypal, the amount is XXXX {$1000.00} on XX/XX/XXXX. 

In the afternoon of XX/XX/XXXX, I received a verification code for login in the Paypal. I didn't wake up that time, therefore someone tried to login in. Since I received the code I would say I have enabled the double-verification. However, he ( she ) still managed to login in, and my password might leaked since all my password was same. 

The transaction is on XXXX, Paypal provided the delivery address. Though it ' in MA, but I never leave XXXX ( I am a student in XXXXXXXX XXXXy ) I have reported to Paypal, but Paypal refuse to refund and didn't proivde any reason.
Consumer complaint received 2024-07-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (AL)

On XX/XX/2005 we had a disbursement for {$21000.00} and there came a time when we were not able to pay, and asked for an income driven payment plan, however, I did not realize that this was a forbearance, nor how it worked. I had asked several times about adjusting the income driven payment when I had finical hardships and each time that I thought I was doing an income driven, they put me in a forbearance program, which I did not realize was putting me deeper in the hole. I have asked if they would take a settlement on the account, however, they refused. As a result the amount is now up to {$32000.00}, which appears to be predatory lending. I am not trying to not pay what I owe, however, I will never pay this off at this rate. I am a senior citizen living on a limited income and will never get this paid before I die.