davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
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)

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 has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX 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 2023-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (FL)

I am writing to express my profound dissatisfaction and concern regarding my recent interactions with JP Morgan Chase Bank, where I have been a loyal customer for many years. 

I believe that my concerns and requests have been handled in a manner that is not only dismissive but also discriminatory. This has left me with the disturbing feeling that my treatment may be based on my race, XXXX, or ethnicity. 

Specifically, I have encountered the following issues : Delayed Responses and Lack of Attention : I have noticed a significant delay in response time regarding serious issues with my account. It feels as though there is a deliberate attempt to neglect or sideline my concerns. 

Dismissive Behavior : On several occasions, the representatives I have spoken with have downplayed or misunderstood my concerns, making me feel unheard and invalidated. 

Unjust Decisions : Decisions made regarding my disputes appear to lack merit and instead seem influenced by factors unrelated to the case at hand, making me question the bank 's impartiality. 

Poor Communication : Despite my repeated attempts to communicate and clarify the concerns about my account, I have consistently received unclear or non-transparent explanations. This has caused additional distress and confusion.

Denial of Resources : I specifically requested information and resources related to XXXX to voice my concerns, but my requests have been ignored or denied without a valid reason. 

It is of utmost importance for me, as a customer, to feel valued and treated fairly by the financial institution where I entrust my money. I am deeply troubled by the possibility that my race, XXXX, or ethnicity could influence the treatment I receive.
Consumer complaint received 2023-11-06
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. (TX)

I need to escalate this problem that I have with credit bureaus. They're not giving me any direct resolution to my problem. They are furnishing multiple accounts on my credit report without my written approval and that is invading my personal information. These negative accounts due to late payments and charges were all XXXX out by the individual who had these services but they're still declaring it as late or Charged-off. Why can't they just remove it or change it into its current status? I need to get this straightened out as I'm tired of going back and forth with them. I've been communicating with these departments since the start of this year. This is so annoying and exhaustingon my part.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I ordered a new card from Bank of America since I had lost mine. The new debit card was stolen in the mail and was then charged over {$500.00} worth of transactions at various XXXX in my area on XXXX morning. Bank of America is now denying my claim stating that there was no fraud because the card was physically there, which of course it was, it was stolen. 

Bank of America originally credited the amount when I filed the original dispute, but have no reversed that.
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: Experian Information Solutions Inc. (FL)

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 2023-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I have reached out to RESURGENT/LVNV FUNDING in regards to inaccuracies on my credit report XXXX this is the account number provided. I have received no response to my request for original information from the creditor themselves, also all account information including payment information and wet signature used to establish this account. I have explained to the company I have been a victim of identity theft and they have not taken the proper action. I would like this item removed from my credit report.
Consumer complaint received 2023-09-27
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) 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, 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
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: Experian Information Solutions Inc. (WA)

I recently reviewed my credit report and identified some inaccuracies that are negatively impacting my credit opportunities. I believe you'll investigate these discrepancies to ensure they are accurate. The account that needs to be investigated is below. 

XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

After reading the XXXX XXXX, XXXX XXXX XXXX XXXX article about Capital One Financial 's deceptively low interest rates on existing 360 Savings accounts, I realized that this situation applied to me! 

My longstanding Capital One 360 Savings account, which held more than {$150000.00}, was earning a measly 0.3 % in interest ... while the new 360 Performance account was paying a 4.35 % interest rate. I immediately opened a 360 Performance account and transferred all the money in my 360 Savings account. 

If not for this article, I would not have realized that Capital One had been ripping me off on interest while paying new customers much, much more. I'm irked that Capital One has shorted me, a loyal customer, on interest while offering a lucrative rate to attract new clients -- and that they failed to treat me as well as they treat prospects. 

The statement that Capital One 's retail bank president ( XXXX XXXX XXXX ) provided to the XXXX rang hollow to me : She said the Performance Savings accounts are marketed widely and available to anyone. Well, I had no idea that I could have been earning significantly more interest had Capital One given me the same rate it gave to new customers. 

I'm planning to find a new bank, one that will treat me with more appreciation and respect for my business. 

I'd be happy to provide any additional information you might need. 

Thank you!
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following accounts : XXXX  XXXX Balance : {$700.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$7700.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$2100.00}
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> I saw that there were funds coming out of my checking account, I called Chase Fraud prevention they started a disputed and advised me to open a new account since my current account was compromised. a week later I opened a new. The next day my account was closed. I called Chase to find out what was going on and they advised me that they could close your account at anytime. I looked at the terms and it is conveniently located at the very bottom of page 26 of 29. 

On XX/XX/year> after speaking with someone in the recovery department, he said because I opened a new account I flagged my profile then he said I used a fictitious check ( Which is total XXXX!!! ) I asked him for dates and amount and he said that is private information. Which If I am the party involved how is that private? 

On XX/XX/year> I reached out to the executive office, which let me tell you is a joke, the person helping me with my case, was unwilling to help me and look into this matter, when I spoke with him, he replied and I quote " What is the point of this call. The handling of my case did not sit well so I called the Exec line again, I asked to speak with a manager and the person said no, because the decision is final and I don't get to speak with anyone. 

Botton line, I have been with Chase 5 years, my XXXX XXXX XXXX has the first checking my XXXX XXXX XXXX daughter has a savings account and I have money investment account. I was a loyal customer and the bank has treated my like a criminal and has been nothing but rude to me. I am XXXX XXXX XXXX professional who works in the corporate world, and this is not how you treat people. Out of XXXX reviews on BBB 85 % of people had this same issues. So this is something that needs to stop and the CFPB needs to watch how Chase is conducting themselves.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In XX/XX/XXXX the companies were unable to validate the alleged debt reported to consumer reporting agencies with any endorsed contract between the consumer and original creditor. Which prompted the remittance of the following notice the next month : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Promptly delete my information from all your reports submitted to third parties in compliance with the Privacy Act of 1974.
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: Experian Information Solutions Inc. (MO)

In accordance with the 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 XXXXXXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX account number # XXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ). In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681 s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows information is inaccurate.
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated Reference ID : XXXX PayPal Store ID XXXX
Consumer complaint received 2023-10-28
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. (NY)

XXXX XXXX XXXX XXXX  will not delete a closed account from my credit report on all bureaus even after it is 7 years and two months in age, and they did not uphold their XXXX insurance agreement after I became permanently XXXX. I had been cleared by their collection agency case manager inXX/XX/2019, and told I no longer was being pursued legally, nor was I responsible for this debt of XXXX due to me being totally and permanently XXXX from injuries sustained in XXXX XXXX, and the XXXX insurance. My report even shows the account was closed XX/XX/2019, however, it shows a last payment date of XX/XX/2019. So those dates are very wrong as well. I have been disputing this for years now to get this negative account deleted to no avail. This is severely impacting my credit negatively, and is unfair. Can someone please investigate this matter as I would like to avoid unnecessary future legal fees.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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: Experian Information Solutions Inc. (FL)

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.