davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CO)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Unresolved Issue with JPMorgan Chase & Co . 

Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance and urgency regarding an unresolved issue with JPMorgan Chase & Co . I have encountered significant difficulties in my attempts to retrieve funds held by Chase, and I believe that my rights as a customer, as well as banking regulations, are being violated.

The issue in question pertains to a cashier 's check that I deposited into my JPMorgan Chase account. The cashier 's check was issued in the name of my brother, " XXXX XXXX, '' and I had explicit authorization from him to deposit this check into my account. Following the deposit, I requested that Chase return or issue the cashier 's check to me, but the bank has been uncooperative and has failed to resolve this matter despite numerous attempts at communication. 

I initially provided my brother 's phone number to Chase as a means of verifying his authorization for the deposit. However, the bank refused to contact him through the provided number, claiming it was not registered with major carriers such as XXXX, XXXX XXXX XXXX, or XXXX. I explained that my brother uses a prepaid phone plan, which is likely the reason his name does not appear in these databases. I suggested that Chase contact XXXX XXXX, the issuing bank of the cashier 's check, to verify my brother 's name and information, but this alternative was also rejected by Chase. 

Chase 's insistence on only using a phone number registered in my brother 's name is highly suspicious and raises concerns of potential fraudulence. The bank 's failure to explore alternative means of verification, such as contacting XXXX XXXX, is both frustrating and inexplicable. 

I have also lodged a complaint with Chase regarding this issue, and the complaint number is " XXXX. '' I trust that you will find this complaint in your records, and I hope that this information will assist you in addressing this matter more effectively within Chase 's internal complaints system. 

I believe that my rights as a banking customer are being violated, and this situation is in clear contravention of banking laws. The inability to access my own funds, despite having provided all necessary documentation and authorization, is both unreasonable and unjust. I kindly request your assistance in resolving this matter with Chase and ensuring that my rights are upheld, and banking regulations are adhered to. 

I appreciate your prompt attention to this matter, and I look forward to a swift resolution. Please feel free to contact me at XXXX or XXXX for any further information or clarification required. 

Thank you for your assistance in this regard. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-29
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)

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. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section2. 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, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

Dear HMF : Thank you for your response to my original complaint submitted on XX/XX/2023 ( Ref : XXXX ). Please note that I do not accept an apology for miscommunication. And the case is not closed because no resolution has been discussed and reached. 

First, it is not just miscommunication. I was provided with wrong, inaccurate information by multiple customer representatives. And those misinformation have consequences, which HMF is responsible for resolving them for me. 

Secondly, I am paying more than what I was supposed to pay to buy out my lease ( pay off in full ) because of the delay caused by the inaccurate information. Please refer to the two buyout letters generated by your system : one generated on XX/XX/ quoting me the total purchase price of {$42000.00} ; the other one generated on XX/XX/2023 quoting me a higher total purchase price of {$42000.00} ( both letters saying the quotes expiring on XX/XX/2023 ). Please explain the difference. 

Thirdly, I was ready to pay off my lease so I came down to the dealer XXXX XXXX in XXXX XXXX on XX/XX/ to do the payoff. I wanted to pay off my lease before the XXXX payment is due ( XXXX payment is due on XXXX XXXX XXXX  ) but because of all the wrong information given by HMF customer representatives, the payoff has been delayed and XXXX payment was deducted on XX/XX/XXXX  even though it is not even due. 

I request HMF to fix all the mess they created and make sure my lease is paid off as I intended originally. I refuse to pay any additional charges/fees caused by their incompetence & irresponsibility Best XXXX  XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX XXXX were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my XXXX contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-29
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. (PA)

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 name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX # 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 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 2024-05-29
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. (TX)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (CA)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights. 
XXXX RESPONSE THAT IT IS NOT AT ALL LOGICAL ABOUT WHAT I AM ASKING FOR IN MY LETTERS.
Consumer complaint received 2024-05-29
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. (LA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-06
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. (TN)

In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 ( it also states a consumer reporting agency can furnish an account without my written instructions under 15 USC section 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose!
Consumer complaint received 2023-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OH)

Outside of other issues with company lying called XXXX of XXXX told 10 day payoff was XXXX sent cashiers check XXXX XXXX for amount check had tracking arrived on the XXXX sat XXXX being told i am being charged interest. Extra amount XXXX and they did not bother cashing it. Was sent with 10 day limit was told loans dont accrue interest with forebearance as well by finaid rep. It is not my problem that you didnt cash my check. I am not paying interest on your negligence
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my OTHER 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 XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OR)

A couple days ago I received a letter in the mail from XXXX XXXX XXXX XXXX. Equifax keeps telling me to contact XXXX XXXX, and it does no good. I do not have any account in my name, address, or Social Security number with XXXX XXXX XXXX. I have attached a letter of proof from XXXX XXXX saying that they can not locate any personal account in my name. Since I have no account with XXXX XXXX Equifax must delete fraudulent inquiry " XXXX XX/XX/2023 ''
Consumer complaint received 2024-08-05
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. (GA)

XXXX XXXX XXXX. The dates open, the last report, and also the dates last active are inaccurate.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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-29
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. (GA)

Dear CFPB, I am writing to file a formal complaint against the credit bureaus ( TRANSUNION, XXXX, XXXX ) regarding their handling of inaccurate information on my credit report, despite multiple attempts on my part to rectify the situation. Additionally, I have reason to believe that my personal information, including my Social Security Number ( SSN ), has been compromised, leading to fraudulent accounts being opened in my name.

Over the past several months, I have diligently attempted to address discrepancies on my credit report with the credit bureaus. Despite my efforts, the incorrect information persists, adversely affecting my creditworthiness and financial standing. Furthermore, upon discovering the fraudulent activity, I promptly filed a Federal Trade Commission ( FTC ) Fraud Affidavit to document the unauthorized use of my personal information.

One specific instance involves an account listed as in collections by the XXXX XXXX XXXX. Upon requesting debt validation, XXXX XXXX has confirmed that they have no record of such an account associated with my name or SSN. This discrepancy clearly indicates fraudulent activity, yet the credit bureaus have failed to take appropriate action to remove the erroneous information from my credit file.

As a consumer protected under the Consumer Financial Protection Act ( CFPA ), I am demanding that the collection item be promptly removed from my credit report. Failure to do so would not only be a violation of my rights as a consumer but would also implicate the credit bureaus in aiding and abetting illegal actions.

I am seeking your assistance in ensuring that the credit bureaus comply with federal regulations and take immediate steps to rectify this situation. I request a thorough investigation into the inaccuracies on my credit report and prompt resolution of any fraudulent accounts opened in my name.

Please find enclosed copies of relevant documentation, including my FTC Fraud Affidavit and correspondence with the XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a timely resolution.

Thank you for your assistance in this urgent matter.
Consumer complaint received 2024-05-29
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX and 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 a account without my written instructions7
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive sent out my letters they asked me to send in and I have done that XX/XX/XXXX of this year. The old information keeps coming back to my report even tho is was identity theft
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (WA)

I have keep sufficient funds at Wells Fargo for my accounts to inclusive of their PMA Premier Checking. The advantage of PMA Premier checking is that there are no wire transfer fees.

Recently I noticed that a wire transfer fee was charge to my account. I discussed this with Wells Fargo customer service and they agreed that I have a PMA account but they would NOT remove the wire transfer fee. Terrible customer service officer and considering closing all my accounts with the bank I have been using for XXXX years.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (FL)

The scenario with this card is it was a back up card I rarely used. I opened this card in XXXX. I have never made a late payment on this card or had any negative experience with it previously. In XXXX or XXXX of XXXX there was an annual fee assessed of ~ {$30.00} and I was not made aware of this fee/bill. Apparently I was late in XXXX of XXXX, leading to XXXX of XXXX ( now 60 days late ) because of this fee. To be clear I had no balance on this card at the time and this fee was generated from Barclay 's Bank. In XXXX I discovered this error, called and paid the fee and cancelled the card so this would not happen again. I was very upset my relationship after 31 years ended on this note. What I am asking for is the removal of this 30 and 60 day late from all 3 Credit Bureaus. This unfortunate incident dropped my credit score in excess of XXXX points ) - : I have attached the account PDF with details on my payment history and account description. This has drastically affected my financial situation as it impacts my insurance costs, increases interest rates and overall risk factors. I would be very grateful for any assistance with this matter.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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. 

XXXX XXXX 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