davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
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. (OK)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (GA)

Dear Barclay Management, I ( XXXX XXXX ) am writing to you as a member of XXXX XXXX XXXX and as a federally protected consumer with an account number XXXX. This letter is to formally exercise my rights under 15 U.S. Code 6802 regarding the sharing of my nonpublic personal information. 
Under the said statute, financial institutions are required to provide customers with a reasonable opportunity to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. I understand that this includes the reporting of account information to credit bureaus or similar entities. 
Therefore, I am exercising my right to opt out of any such disclosures. Specifically, I request that XXXX refrain from reporting any information related to my account XXXX to any credit bureaus or similar reporting agencies. 
I would appreciate written confirmation that my request to opt out has been processed and that no further information regarding my account will be shared with third parties as per my rights under the aforementioned statute. 
Please do not hesitate to contact me at the Phone Number found on file related to my account should you need any further information or clarification regarding this request. 
Thank you for your prompt attention to this matter and for respecting my consumer rights. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NC)

I reviewed the last response from AMEX and have made several complaints through CFPB in addition to the disputes I filed with the company dating back to XX/XX/XXXX. I continue to ask for the company to report accurately to the credit agencies that I closed my account in XX/XX/XXXX. The company did not report my account closed until XXXX XXXX  XXXX. In your last response, you say that you are required to report factual information to the credit report agencies. On this point we agree and in accordance with the Fair Credit Reporting Act, I need you to report accurately to the credit reporting agencies that I closed my account in XX/XX/XXXX, not XX/XX/XXXX. Why is it not being accurately reported to the credit reporting agencies that I closed my account in XX/XX/XXXX? I was, subsequently, disputing the interest and late fees but, ironically it was not until my first complaint with CFPB on XX/XX/XXXX that AMEX finally reported my account as closed. In addition to why isnt it being reported accurately that my account was closed in XX/XX/XXXX, why was my account not closed until I complained to an outside agency? I have asked this questions multiple times and in multiple ways in my previous internal disputes and external complaints with the CFPB and have yet to get a direct answer or fair resolution. 

Additionally, I received a letter from AMEX on XXXX reporting a technical error on my account that may have affected the interest and fees on my account. I have attached that letter. Given that mistakes are made, as we are all human, perhaps it was a technical error not to accurately report my account as closed in XXXX XXXX  XXXX to the credit reporting agencies. Regardless of the cause of the prior issues with the interest and fees, please accurately and fairly report to the credit reporting agencies that my account was closed in XX/XX/XXXX and that the above technical error reported to me on XXXX contributed to the inaccurate reporting of the past due amounts and have that information reported accurately to the credit reporting agencies. 

My 16 digit AMEX Account identifier is XXXX.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I phone to pay off a deferred interest balance and was told that they could not direct my payment, that only the minimum payment, which THEY dictate, would be applied and the rest to the remaining higher interest rate balance, EVEN THOUGH THE INTEREST DEFERRED PROMOTION EXPIRES TOMORROW, XX/XX/year>. Law specifies the payments in the last two billing cycles apply to the deferred interest balance, but Capitol One is NOT abiding by that law. It seems, in my opinion based on my experience, at the least fraudulent and misleading when pushing the interest deferred balance transfer promotion with no clear information given that one could not direct payments, that there was no way to pay off the amount if any other charges were added.
Consumer complaint received 2024-06-14
Product: Credit 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: JPMORGAN CHASE & CO. (FL)

XXXX we booked a condo XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX, XXXX XXXX. Total cost was {$1600.00}. The condo was uninhabitable because of a car alarm blaring outside our bedroom window, within 10 feet, every 5 minutes the entire time we were there. XXXX XXXXXXXX XXXX police were called. The police talked to the host and found the host to be unhelpful. The host did not know who the management company was for the XXXX XXXX. The police were not able to identify the owner of the vehicle or tow the car without the property management permission. We needed to leave and got a hotel room on XX/XX/XXXX. Called and made a complaint to XXXX. I needed to call 3 times and explain the situation. I have not heard back from XXXX. 

Chase Reserve Credit Card- Called to dispute the charge. Explained the issue and was told that since we checked in and it was non-refundable at that point, they refused to issue a charge back. Not sure how we would know that there was an issue without checking into the unit. I would like to have Chase chargeback XXXX since we have not been able to get a response from XXXX.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OH)

Chase bank account reference number- XXXX On the night of XX/XX/year> applied for a chase bank freedom flex credit card using my information. I was made alert by a XXXX XXXX email as well as an email from chase bank. I called chase to report the fraudulent account application and they told me they already suspected fraud yet when I called today to get the reference number I found out that the account was still open and I had to request twice for them to close the account.
Consumer complaint received 2024-06-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (NY)

I have a Bluebird- American Express prepaid debt card and account. I do not have the card ending in XXXX that is associated with my account. Ive since changed my phone number and moved back to XXXX XXXX since using this card. Ive tried reaching out to customer service to replace the card but they instead updated my account information twice and on 3 occasions told me they could not process a replacement and they keep unlocking and locking my account I am getting the emails through my email XXXX. I do have the first and original card associated with this account but that is not enough for them.
Consumer complaint received 2023-05-04
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: Bread Financial Holdings, Inc. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-11
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. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Innovis (GA)

A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.
Consumer complaint received 2024-06-13
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Consumer complaint received 2024-06-13
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. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Consumer complaint received 2024-06-13
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent. 
"
Consumer complaint received 2024-06-17
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. (AL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Consumer complaint received 2024-06-17
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

"
Consumer complaint received 2024-06-17
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. (DC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Consumer complaint received 2023-05-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (GA)

I applied for mortgage XX/XX/XXXX and was pre approved, I begin the process submitting all requested documents I was led to believe everything was good and I would be closing soon. I was told near closing the first time my loan officer quit and I would have resubmit all documents and I did. I started with a new loan officer who stated I needed XXXX down payment on a XXXX in which I agreed to though I knew it didnt sound right for an fha loan. I paid for inspection and appraisal and was told I was approved under conditions. I met the conditions and then I was told I needed XXXX to close. My parents wired the money and it was there in my account the next day. I was then told I had high dti and I should find lower insurance which I did.I also was advised to pay off any debt I could do I payed off my credit card and sent in all supported documents. I waited for a couple of days with no communication. I received a call from my realtor to terminate contract because I was denied due to high dti. I was confused because no one had told me anything. This was a three month process which I am hurt because I fought for that house and no one had the decency to handle my application properly. I lost the home I loved. There are so many things that were not handled properly and should be addressed to keep regions from doing this to anyone else. I feel completely discriminated against.
Consumer complaint received 2024-06-17
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

"
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CO)

I am locked out of Equifax because I forgot my password and it is absolutely impossible to get anyone on the phone, and it won't let me click forgot password it just tells me to call them. There is no way to virtually contact them. I have no way to unfreeze this report and apply for a credit card or anything else for that matter.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

As a result of ID theft/data breaches in recent years, I have the following inquiries that need to be removed from all three CRA 's XXXX I have tried to dispute this date directly with the creditor and got no response after 90 days. These inquiries need to be deleted from all 3 CRA 's. 

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  Inquired XXXX XX/XX/XXXX On record until XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"