davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NJ)

XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Re : Complaint against [ SANDANTER CONSUMER U.S.A ] for violating my rights under 15 U.S.C. 1681 ( FCRA ) and 15 U.S.C. 1666b Account # XXXX Dear CFPB, I am writing to file a complaint against SANTANDER CONSUMER for violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, they have violated sections 602, 604A, and 2 of FCRA ( 15 U.S.C. 1681 ) and section 1666b of TILA ( 15 U.S.C. 1666b ).

The violations are as follows : In accordance with the fair credit act this creditor has violated my rights under 15 u.s c1681 section 602 I have the right to privacy 15 u.s c 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 u.s c 1666b a creditor may not treat a payment on a account under an open credit plan has late for any purpose. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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 information is inaccurate.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

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 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (KY)

They have my account locked they said they was going to close the account but they wont do anything they are just holding my money there are two accounts one has XXXX the other has XXXX in it I just want my money with or without the account being closed they been holding my money since XXXX XXXX
Consumer complaint received 2024-07-17
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)

According to the FCRA convergent account # XXXX has violated my rights. 

FCRA section 605 B. It is illegal to report information on my credit report without my permission.
Consumer complaint received 2024-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently checked my credit and noticed these inquiries that I did not request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove thank you. I have attached my identity report to this request.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I received a Security check deposit in the amount of {$1300.00} from a rental and deposited the check into my Chase account without sisters signature. The bank cleared the check and then claimed they needed to verify the check with my sister and the rental company. They verified it with my sister and now they keep stating they cant verify the check with rental company and has held our check, froze my account, closed it and is refusing to release our funds. The rental company wont help because it shows the check cleared on their end. We have given them every number associated with the rental company and still no release of funds and then was told money will be kept in a settlement account with Chase NY for up to XXXX years if not resolved. This has been going on since XX/XX/2024. Filed a complaint previously and you guys did nothing to help me.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AutoNation Enterprises Incorporated (NV)

XXXX have incorrect information on my credit report. 
And they doesn't want to fix it. 
I sent two disputes and they don't want to solve the problem. 
they have my day of birth incorrect my name incorrect. 
and they are putting a debt that does not belong to me XXXX dollars of a car loan I called the XXXX XXXX and they don't want to fix the problem either. 
I am not a customer and I do not have an account with them autonation financial. 
What should I do to solve the problem.
Consumer complaint received 2020-12-22
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I made a purchase with XXXX an online flight booking system. 

They failed to provide the service as the flight was canceled on their end. Capital One sided with XXXX stating " The merchant info shows there was no error. '' The information I provided is publicly available so there is no way the merchant can show they provided the service I paid for. 

Below is the text I sent to Capital One as justification for the refund. 

-- -- -- -- - Reference number : XXXX As you may understand, standard airline policy disallows the customer to cancel a plane reservation for a refund. This is not the situation here. This situation is that the AIRLINE canceled the flight and failed to provide the service agreed upon via the transaction. Attached you will find the following 5 items : 1 - Your trip confirmation and receipt - this is from XXXX and outlines my itinerary and the reservation dates with flight numbers and dates of travel. The next 4 documents will show that the two flight trip to XXXX was never operated and the flight return from XX/XX/XXXX wasn't either. The final XXXX to Washington flight appears to have operated. 

( Also please reference their note of : " Please note : Your credit card may be billed in multiple charges totaling the final price. All prices are in USD. '' Which explains the {$100.00} discrepancy in the charge. ) Flights were : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX Flight Status_XX/XX/XXXX XXXX Washington XXXX to XXXX XXXX XXXX - XXXX Flight StatusXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Flight StatusXXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX Flight Status_ XXXX XXXX XXXX XXXX to Washington XXXX You may confirm the flight history yourself from any website with the public historic flight data yourself. I chose to use : XXXX : XXXX Please consider this as hard evidence that XXXX failed to provide the service that was paid for and that I should receive a full refund as I did not cancel my reservation. 

Thank you for taking the time to review this additional information.
Consumer complaint received 2024-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (FL)

I still have not received a copy of the loan for the loan number you are requesting me to pay. The original loan number has been dissolved. I have attached the title report in addition to the original loan copy. I need to see a signed loan for the loan number Mr. Cooper is collecting for. It is not the loan I signed. What property address is the new loan number Mr Cooper is collecting on? I requested this 4 times. Just send me the purported new loan documents for me to review to send to the IRS. The IRS has no record except for the dissolution of the original loan.
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NC)

I recently received a copy of my XXXX credit report and noticed American express is updating monthly and reporting open accounts to XXXX in my name with a balance. I contacted Amex and XXXX multiple times and XXXX tells me the information they are receiving is coming from American express and is 110 % accurate and American express tells me they are not reporting anything to any credit reporting agency 's. it has been going back and forth, both blaming eachother and when i call they say they have no record of me disputing anything, even when i provide the same confirmation number they give me.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NC)

Chase Bank advertised promotion bonus of {$900.00} for opening new accounts in early XXXX. I retrieved the promotion e-mail link and opened both checking and savings account with Chase according to the steps that they directed in XX/XX/year>. I opened the accounts because of the bonus offered by Chase and was willing to comply with all of their terms for such. As of late XX/XX/year> I met all the criteria for the bonus in terms of the requirement for direct deposits, account balance, timeframe. This week when I reached Chase to inquire the status of my bonus, they simply responded multiple times that I was not enrolled in the promotion program ( bonus ) on their record and refused to honor their offer. I explained and submitted evidence to Chase but they repeatedly refused to honor the bonus as they originally advertised.
Consumer complaint received 2024-07-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (WI)

There were credit cards opened in my name without my knowledge and I didnt authorize or give my consent I believe a XXXX member or XXXX fraudulently use my name without my knowing- I would like for the debts from the fraudulent credit cards be removed immediately
Consumer complaint received 2024-07-17
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. (FL)

XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year>, XX/XX/year> and XX/XX/year>
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (VA)

Subject : Formal Complaint Regarding Disputed Charge and Violation of FCBA and VCPA by Fidelity Credit Card Services Fidelity Credit Card Services is continuing to bill my credit card for a disputed charge on XX/XX/year> in violation of the Fair Credit Billing Act ( FCBA ) and the Virginia Consumer Protection Act ( VCPA ). 

**Details of the Dispute : ** On XX/XX/year>, a letter and evidence was submitted to Fidelity to dispute the following : - **Disputed Charge Amount : ** {$1200.00} - **Merchant : ** XXXX - **Date of Charge : ** XX/XX/year> - **Date of Dispute Notification : ** XX/XX/year> Despite my formal notification, Fidelity has continued to bill me for this disputed charge, which is a direct violation of the FCBA and VCPA.

**Violation of Fair Credit Billing Act ( FCBA ) : ** Under 15 U.S. Code 1666 ( Correction of billing errors ), creditors are required to : 1. Acknowledge receipt of a billing dispute within 30 days. 
2. Investigate the dispute and resolve it within two billing cycles, but no later than 90 days.

3. Refrain from reporting the disputed amount as or attempting to collect on it during the investigation.

**Violation of Virginia Consumer Protection Act ( VCPA ) : ** The VCPA prohibits unfair, deceptive, or fraudulent practices, including improper billing practices. By continuing to bill me for the disputed amount, Fidelity is engaging in deceptive billing practices that are prohibited under the VCPA.

**Actions Taken : ** 1. **Initial Dispute Notification : ** - Date : XX/XX/year> - Method : Written letter sent via certified mail - Companys Response : No acknowledgment received XXXX. **Follow-up Actions : - Date : XX/XX/year> a fax was sent to XXXX ( see attachments ) XXXX XXXXXXXX XXXX by telephone. Customer Service Representative - Companys Response : still billing it on my transactional history statement Despite my attempts to resolve this issue directly with Fidelity, the company continues to bill me for the disputed amount, causing undue stress and potential damage to my credit standing. 

**Supporting Documentation : ** I have enclosed copies of the following documents to support my complaint : 1. Copy of the billing statement showing the disputed charge.

2. Copy of my fax on XX/XX/year> written dispute notification. 

I request that the CFPB investigate this matter and take appropriate action to ensure that Fidelity complies with the FCBA and VCPA. Additionally, I seek that Fidelity ceases billing for the disputed amount and corrects any negative reporting related to this charge. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-07-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (TX)

On numerous occasions i've asked this company to verify my debt in which they have not done so properly and legally under the FDCPA. 
This company is illegally holding me to a debt that has not been verified using unacceptable practices.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/1991 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/year> SSN : XXXX Address : XXXX XXXX XXXX XXXXXXXX KY XXXX Chex Systems , Inc XXXX 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX I am writing to request an investigation of the following information that appears on my Chex System consumer report which is fraudulent. 
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. Items listed above, have 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 ( AN ( 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. 
I have NEVER opened or used the following account numbers, please remove all information below : Contributor : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Contribution XXXX : Checking Account Fraud Bank Routing # : XXXX Account # : XXXX Fraudulent Inquiries below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Chex Systems report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-14
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: Westlake Services, LLC (IL)

On XX/XX/2024, XXXX XXXX did an inquiry on my credit. I did not authorize this company to check my credit. Under the Fair Credit Reporting Act, it is my right to have this inquiry removed.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

I opened an checking account and my first deposit was a check and I mobile deposited the check for a neighbor whom asked me to cash it for him due to him not having an account anymore.this was in the XXXX  of XXXX.the bank is chase bank.i the amount of the check was XXXX sum odd dollars my limit is XXXX XXXX daily for deposit.per the banks rules.so a hold for ten days was placed and about the XXXX  day I got an email saying my account was restricted because of the deposit it stated on my online banking so I then called the bank and they say after the check clears they want to talk to the original payee on the check before they release more funds.And blocked my online account.and my card.this has caused me for me, the bank is refusing the money
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My complaint is against Capital One Bank My Social security number used XXXX to open XXXX accounts # XXXX open date XXXX XXXX Fraud balance reported on credit bureaus XXXX I did not open or apply for a XXXX credit card issued by capital one bank. 

There was a second capital one credit card ending in XXXX XXXX XXXX # XXXX fraud balance showing on credit reports XXXX open date XX/XX/XXXX I did not apply or opened this account. 

This account was sent to a collection agency and requesting capital one to contact the collection agency to return fraud debt back to capital one due to fraud. 

Both accounts were already closed due to fraud concerns from me disputing both accounts from credit agencies ; however both accounts were never removed and deleted from each credit agency. 


Both accounts stated above using my social security number, I never opened or applied for any credit cards issued by capital one bank as checking my credit reports I have discovered bothf accounts ending in # XXXX And ending in # XXXX All accounts listed in my social were opened as fraud I never applied for any accounts and requesting this bank to delete and remove me from all responsibility and to contact collection agency on all accounts to return each account back to capital one due to fraud/opened I am requesting that each account is removed from all credit reporting agencies including XXXX report no later than XXXX XXXX to prevent legal action to sue civil suit monetary damages to Exceed more than XXXX in a civil court if both these account opened in my social security number aren't deleted from each credit agency by no later than XX/XX/XXXX to prevent a legal unnecessary monetary expense I am asking capital one bank to do the right thing. I am also requesting each credit inquiry pulled from XXXX  to be deleted from my report as well. 

My credit is very important to me and will exercise to the full extent of my legal resources to sue everyone involved for credit bureau damages and pain n- suffering and for FCRA Violations.
Consumer complaint received 2024-07-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: STATE EMPLOYEES CREDIT UNION (NC)

XX/XX/year> it says I open a car loan for XXXX $ which I havent had an car loan since my first XXXX, I contacted the bank which I was told to file a report and contact my credit bureaus
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (WA)

Per the FCR as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non- verbal per 15 USC 6802. I'm exercising my rights to Opt Out from consumer reporting. I've attempted to and was denied my federally protected rights per the Privacy Act of XXXX See attachment for further details on the creditor and account details.