davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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. (NV)

In accordance with the Fair Credit Reporting and XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Accounts and Account numbers listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

Payments are made in the amount of {$680.00} prior to or on the due date each month evidenced by the attachments where the payment over the required payment of {$670.00}. These payments have again NEVER been late. In addition, payments have been made every week on XXXX in the amount of {$50.00} which in XXXX of the complaints the company admits that these payments are noted to be placed toward the principle of the loan- not in an unapplied account. But where they go is in an unapplied account. During the last complaint the company threw all monies in XXXX bucket to somehow cause my account to " fall past due '' all the while the payments were made timely with an additional {$50.00} payment. Due to the misapplication of funds the company has now - from how they explain in additional information - charged a fee - expenses pd by servicer. The details can be found in the attachment.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CA)

I am writing to file a formal complaint regarding fraudulent account openings by Barclays Bank PLC. Despite multiple attempts to resolve this matter directly with the company, I have encountered significant obstacles and believe that my concerns are not being adequately addressed. 

The crux of my complaint revolves around two Barclays accounts that were opened fraudulently in my name. These accounts were established without my knowledge or consent, and the information associated with them is inaccurate and does not belong to me. Despite bringing this issue to the attention of Barclays, I have not received satisfactory assistance or resolution. 

Moreover, I recently discovered that my ex-partner, who is responsible for the fraudulent account openings, falsely claimed to be an authorized user. This individual manipulated the situation by providing false information to Barclays, further complicating the matter. 

I have diligently pursued resolution with Barclays, but I feel as though I am being given the runaround and that my concerns are not being taken seriously. Despite providing evidence of identity theft and fraudulent activity, Barclays has failed to initiate a thorough investigation into the matter. 

Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that Barclays takes appropriate action. Specifically, I request that the CFPB : Initiate an investigation into the fraudulent account openings by Barclays Bank PLC. 
Require Barclays to provide detailed information regarding the circumstances surrounding the opening of these accounts and the actions taken by the company. 
Facilitate the removal of the fraudulent accounts from my credit report and any associated negative remarks. 
Implement measures to prevent similar incidents of identity theft and fraudulent account openings in the future. 
I trust that the Consumer Financial Protection Bureau will handle this complaint with the seriousness and urgency it deserves. Please provide me with written confirmation once the investigation has been initiated and the necessary steps have been taken to address this matter satisfactorily. 

Thank you for your prompt attention to this urgent issue. I look forward to a swift and satisfactory resolution.
Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (DC)

I submitted a wire transfer to Ally Bank for XXXX at XXXX XXXX  today and it is XXXX XXXX  and the wire is " under review ''. Their website and representatives said if a wire transfer is submitted before XXXX XXXX  it would be processed by XXXX XXXX the same day. I talked to several supervisors who can not give a reason for the delay nor an estimated time when it will be complete. This wire needs to be completed by end of business day tomorrow for a home closing and if it is not completed we are in breach of contract and will lose the house. This means the funds have to leave Ally and arrive at the destination by XXXX XXXX. If it doesn't we lose tens of thousands of dollars in earnest money and will not have a place to live as we have already sold the home we're currently in. This delay will have a devastating financial and life-impact for our family.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

This mistaken late payment on my account is causing me considerable distress, especially considering my history of punctual payments. I am appealing you to correct this error promptly by removing it from my account, as it does not accurately reflect my payment habits.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: DailyPay, Inc (NC)

My name is XXXX XXXX I have an account with DailyPay a paycheck advance service I have sent DailyPay numerous emails about my missing money DailyPay owes me over XXXX dollars of my earned paycheck money I only received XXXX remainder pay direct deposit out of XXXX payperiods I have provided DailyPay with documentation proving there error plus they have charged me over for transfer fees each DailyPay transfer I do they take XXXX cent and they take XXXX cent from my available balance Daily money then they charge me XXXX dollars from each payperiod this XXXX cents is only suppose to be charged when I do a transfer they are charging me 3 times and XXXX out of my biweekly check and DailyPay only provides XXXX percent of my daily pay where is my remainder pay from that iam missing so much of my paycheck money please look at my dailypay statements and please look at my bank statements there is a big difference showing that iam owed money that dailypay refuses to give me DailyPay is operated by XXXX bank
Consumer complaint received 2024-04-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC. (TN)

I have a savings acct and multiple CDs at Bask Bank XXXX Texas Capital Bank connected ). I went to open another CD and they said that I had to have a smartphone and use their app to post my ID and facial photo. Obviously, this is a new requirement as I have CDs w/ them. I don't have a smartphone and will not ask others to install apps on their phones. Is it legal to refuse to do business with everyone that doesn't have a smartphone? Thanks.
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (SC)

I am writing to file a formal dispute regarding the unauthorized sharing of my personal information by XXXX XXXX XXXX XXXX to Midland Credit Management on XX/XX/2023. This incident has raised serious concerns about the privacy and security of my financial information. 

On the aforementioned date, XXXX XXXX XXXX XXXX disclosed sensitive details of my financial accounts and debt obligations to Midland Credit Management without my consent. This unauthorized sharing of information violates my rights as a consumer and undermines the trust I place in financial institutions to safeguard my personal data. 

The unauthorized sharing of my information has caused me significant distress and concern about the potential misuse of my financial data by unauthorized parties. I am deeply troubled by The XXXX XXXX XXXX XXXX failure to uphold its duty to protect my privacy and maintain the confidentiality of my personal information. 

I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX  for its unauthorized sharing of my personal information with Midland Credit Management. Additionally, I urge The XXXX XXXX XXXX to implement measures to prevent similar incidents from occurring in the future and to provide assurances that my personal information will be handled with the utmost care and confidentiality moving forward. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this dispute and uphold consumer rights to privacy and data protection.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

JP Morgan Chase XXXX XXXX XXXX XXXX, DE XXXX To : CFO/CEO/LEGAL DEPARTMENT , Formal Notice of Liability, Violation of 12 U.S.C. 411, 412, G.A.A.P., Equal Credit Opportunity Act, and Opportunity to Cure This correspondence is a Formal Notice of Liability and legal demand to JP Morgan Chase on behalf of XXXX XXXX XXXX XXXX XXXX regarding violations of federal law and ethical business standards related to the denial of credit on XX/XX/year>. 

JP Morgan Chase has engaged in actions that contravene : - 12 U.S.C. 411 and 412 : These statutes govern the equitable provision of money and credit by financial institutions. Your denial of credit, without justification or transparency, constitutes a failure to comply with these provisions, directly infringing on my consumer right to fair access. 
- Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ) : This act mandates that no individual be denied access to credit based on discriminatory factors. Your actions appear to violate these provisions, resulting in an unlawful denial of credit to me. 
- G.A.A.P. : As a financial institution, JP Morgan Chase is bound by G.A.A.P., which requires transparency and fairness in decision-making. Your failure to adhere to these principles constitutes not only a legal violation but also a breach of trust with the public. 
- XXXX XXXX ( XXXX XXXX ) : The moral standards embedded in law require fairness and impartiality in financial dealings. Your institutions disregard for these principles further amplifies your liability. 

This letter provides an opportunity to cure these breaches by reconsidering the denied credit application and granting an appropriate line of credit, reflective of my financial standing, within 14 days from receipt of this letter. Failure to act will result in the filing of formal complaints with federal regulatory bodies, as well as the initiation of legal proceedings for damages, including but not limited to, compensation for lost financial opportunities, emotional distress, and punitive damages. 

JP Morgan Chases conduct has caused significant and demonstrable harm to me. I reserve the right to demand full compensation for this harm, seek injunctive relief, and pursue a court order mandating corrective actions. Further, should this issue proceed to litigation, I will aggressively seek discovery of internal communications and records to demonstrate a pattern of discriminatory or unlawful conduct. 

Please consider this notice your final opportunity to address these violations and mitigate the financial and reputational risks that could arise from your failure to act. 

Sincerely, /s/ XXXX XXXX XXXX XXXXXXXX XXXX 
President/ Trustee/Non-Decedent
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (DE)

I have submitted 4 applications for the XXXX  issued by Goldman Sachs. In each submission I have been asked to provide an image of my drivers license. While inconvenient, I understand fraud procedures in general. Typically this is not requested when my application XXXX elements match my credit report ( which they do ). After the third application denial, I called to understand why this was happening. After speaking with the specialist she first asked if I have been a victim of fraud in the pat. I have, and I made them aware of that situation and that I previously had my credit blocked, but had since removed that block. She informed me that she had appropriately notated my file and asked me to resubmit the application a 4th time, and assured it would not be a problem, I complied, only to be denied again because Goldman Sachs could not verify my ID. I have been erroneously denied credit, which is an ECOA violation.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I realized I had drastically overpaid my Chase/Amazon Prime Visa card from my bank 's XXXX  XXXX  ( I missed a XXXX  point and paid XXXX instead of XXXX ). As soon as I realized this had happened, I called Chase. They informed me that a check would be mailed to me in XXXX to XXXX business days. On XX/XX/XXXX a 'reversal ' showed up on my account on the Chase website. On or around XXXX, I received a letter from Chase dated XXXX which said that the money would not be sent by check but would be returned to my checking account. As of XX/XX/XXXX I have not received the returned funds. It has been XXXX business days since I called to request a refund. On XX/XX/XXXX a representative of Chase told me over the phone that 'the latest I would receive my refund was XX/XX/XXXX '. This seems to violate XXXX which says that the creditor should refund the money within 7 days of receiving a request.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

I entered into an XXXX loan in XXXX of XXXX in the amount of {$350000.00}. The loan facilitator was XXXX XXXX XXXX  XXXX XXXX XXXX FL. 

In XXXX of XXXX I filed XXXX XXXX  personal bankruptcy and lost my business. 

In XXXX of XXXX the bankruptcy was XXXX. 

After a couple of years of grinding I was able to salvage my credit. I sold my house and entered into an agreement for a construction loan with XXXX XXXXXXXX XXXX  in XXXX Arkansas. They pulled my credit report and other than the bankruptcy showing up, it was fine. We knew the Bankruptcy would be there. We entered into an agreement for construction in XXXX of XXXX. 

XXXX of XXXX I get a call from XXXX XXXX Bank asking if I had taken out an XXXX loan. I said no, but I had one that was included in my bankruptcy. They advised that the XXXX has reported an outstanding debt on my report. I began the process of trying to have that removed from my report because it was included in the bankruptcy. After months of no satisfaction, XX/XX/XXXX I retain my bankruptcy attorney to assist. My attorney contacted XXXX and was told that they can confirm it was a mistake and it would be rectified on the next reporting cycle. It was never rectified. We attempted to contact the XXXX again about it, but our contact is not responding to us. 

XXXX I submitted a formal complaint to the bureaus. The results came back as accurate. Knowing its not accurate on XXXX I uploaded the supporting court documents and submitted them online and by regular mail. It wasn't long after that that the report was corrected. Then in early XX/XX/XXXX I received notice that derogatory reports had been made to my report. I looked it up and the XXXX had AGAIN reported the loan as outstanding. On XX/XX/XXXX I submitted my dispute with the documentation and again it came back as accurate. It's definitely not accurate. 

I think the mistake is in the fact that the facilitator XXXX XXXX XXXX and the XXXX used different account numbers for the same account. It's probably internal only for them but it's causing me problems. I need this removed from my report as it was most definitely included in the bankruptcy and XXXX XXXX of XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-05-14
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: EQUIFAX, INC. (IL)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO. (FL)

My mortgage loan was recently transferred to the business effective XX/XX/year>. I added XXXX pay from external accounts on the website for the business. The mortgage payment for XX/XX/year> cleared from external account ending in XXXX. Currently, the business has external account ending in XXXX in a locked status according to the website for the business. 

Calling customer service XXXX times on XX/XX/year> was useless as no one knew how to assist in a rather simple matter. 

Significant documentation attached proves that I am the rightful account holder of account ending in XXXX. 

Therefore, the business needs to fix the technical glitch and unlock external account ending in XXXX.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/scrub>XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year> XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> 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 2023-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please review the attached documents. I want the bureau to start an investigation into these accounts, as I am always on time, yet they are inaccurately reported as late.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am formally contesting and requesting the expeditious removal of fraudulent account from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the XXXX XXXX XXXX. Furthermore, I have engaged with the bank associated with the fraudulent account. The bank has acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent account, which have erroneously remained on my report for over five years. However, this fraudulent account persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent account since the submission of the requisite documents. I expect your bureau will do the same. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX