davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

**Subject : Formal Complaint Against Chase Bank for Unfair Account Closure** **Dear Sir/Madam, ** I am writing to file a formal complaint against Chase Bank concerning the recent unjust closure of my business account. My name is XXXX XXXX XXXX, and I am the owner of XXXX XXXX XXXX. Chase Bank informed me that my account is pending a 10-day closure due to alleged unusual activity, despite my compliance with all regulations and protocols.

Since 2020, I have been a victim of identity theft, and despite my efforts to secure my personal and business information, it is possible that someone still has access to my identifying details. I communicated this situation clearly to Chase Banks representatives, explaining the significant financial strain, stress, and crisis I am currently experiencing. 

As a business owner, this decision severely impacts my ability to manage my finances and maintain operations. XXXX XXXX XXXX relies on a stable banking relationship, and the abrupt closure of my account with such a prominent financial institution poses substantial challenges. It undermines my credibility and hampers my efforts to establish new banking relationships. 

Additionally, Chase Bank 's representatives have wrongly attributed all issues regarding transactions and disputes to my fault, without providing a proper investigation or justification. This is in clear violation of proper banking protocols and possibly the Uniform Commercial Code ( UCC ) provisions. 

I request that the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) investigate this matter. Chase Bank has failed to acknowledge my unique situation and has proceeded with closing my account despite my repeated explanations and requests for reconsideration. 

This action by Chase Bank not only causes immediate financial hardship but also jeopardizes my businesss future. I seek your intervention to ensure that Chase Bank reconsiders their decision and provides a fair resolution to this issue. Should Chase Bank refuse to reconsider, I am prepared to pursue legal action, including filing a small claims court case or a class-action lawsuit against Chase Bank XXXX and I am determined to seek compensation for any misconceptions, discrimination, and litigation, aiming for up to {$1.00} XXXX USD in damages. 

For further information or to discuss this matter, I am available at XXXX. Thank you for your attention to this urgent complaint. I look forward to your prompt response. 

**Sincerely, ** XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate fully verifiable. I have been living with a friend because my score is affected by this inaccurate items and am not able to get my own apartment.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My account with 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 XX/XX/year> 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
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Sometime in XXXX I lost my wallet on public transportation. Recently I got my credit report because Im getting married and noticed there were several hard inquiries during the time period of my wallet being gone. My wallet included my ID and my social security card. I never contacted capital one because my fiance told me to go about it this way.
Consumer complaint received 2024-06-20
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Conn's, Inc. (TX)

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (OH)

In XX/XX/year>, I received an email from NetCredit regarding credit. However I never applied for consumer credit with this company and I have been a victim of Identity theft. 

There is an extended fraud alert on all consumer reports. This company NEVER contacted me to verify that this was a legal request for consumer credit. I DO NOT HAVE AN ACCOUNT WITH THIS COMPANY. 

However, I immediately filed an FTC identity theft affidavit ( report # : XXXX ) and provided it to the company. The company has refused to continue further regardless of what the federal law requires. 

So they have denied doing anything until they have a police report. So I filed a police report ( XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX, Ohio ) . 

They then told me I need to produce a police report with my personal banking information on it. They also told me I need to turn in a letter to them to send to the " credit bureaus ''. I ABSOLUTELY WILL NOT PROVIDE MY PERSONAL BANKING INFORMATION NOR WILL I WRITE THEM A LETTER TO SEND TO THE CONSMER REPORTING AGENCIES. 

THEY HAVE CONTINUED TO DISREGARD FEDERAL LAWS. It doesn't matter what their policy is, It is not above FEDERAL LAWS. Federal laws do not state I must produce a police report. Federal law does not require my personal banking information. 

If this is not immediately resolved I am and will be seeking litigation against this company. 

Its not a surprise that they hold 1 out of 5 stars with the XXXX. Every time I have called I can NEVER speak to a superior or someone with the slightest education. They put in a " request '' to be contacted. I have still to this day not been contacted by phone by this company. The emails are just as worthless as the phone calls. 

I have recorded all phone calls and saved all emails from this company. I SHOULD NOT HAVE TO GO THROUGH SO MUCH PROBLEMS WITH THIS COMPANY. THERE SHOULD BE NO REASON FOR THEM TO HAVE A POLICE REPORT WITH MY PERSONAL BANKING INFORMATION. THEY SHOULD HAVE PROCESSED THE REQUEST and PRODUCE THE REQUESTED DOCUMENTATION WHEN THEY RECIEVED THE FEDERAL AFFIDAVIT OF IDENTITY THEFT IN XXXX. 

IT is now XX/XX/year> and I am still demanding the same documentation. I SHOULD NOT HAVE TO PROVIDE THE SOCIAL SECURITY ADMINISTRATION NUMBER TO THEM WHEN I AM TELLING THEM SOMEONE HAS STOLE MY IDENTITY. 
As of todays date, a cease and desist is being sent to them and their registered agent and a demand to provide documentation that has been requested.
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: EQUIFAX, INC. (TX)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX **Date : XX/XX/XXXX, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX **Subject : Formal Complaint Against XXXX XXXX** To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXX regarding their failure to remove debts included in my federal bankruptcy from my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite my previous attempts to resolve this issue directly with XXXX XXXX, the incorrect reporting of these debts remains on my credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. 

I request the CFPB 's assistance in resolving this matter promptly. XXXX XXXX  must comply with federal law by updating my credit report to accurately reflect the discharge of these debts in bankruptcy. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Date of Birth : XXXX Last four of social : XXXX
Consumer complaint received 2024-08-03
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: SANTANDER HOLDINGS USA, INC. (NV)

These companies are selling my personal information to other companies without my consent and placing numerouscredit inquires which are ruining my credit score. I have not put in applications with these companies for credit. They are going in my credit report in attempt to solicit me for business.
Consumer complaint received 2024-06-21
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)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX XXXXdentity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX XXXXXXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-06-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC. ()

Hi i am using robinhood app for stock purchase form last 6 months. two days back robinhood did restrict my account. my account number is XXXX  XXXX i teied reaching them to unrestrict my account many times from last 4 days but they are not doing. i didi try calling customer care but they are also not helping and every day they are telling different dates. i have around XXXX in my robinhood account and it is on verge of loosing since they are not allowing to transfer to my accoutn nor they are allowing to but anything. please help as i am sole bread earner of family. i am getting suicide thoughts
Consumer complaint received 2024-07-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CreditNinja Lending, LLC (TX)

Original creditor : XXXX CREDITNINJA LENDING LLC. 

I Have Never Been Associated with this Company, Nor have I Myself Applied for a Loan with this Company. This is a Result of IDENTITY Theft And I Would Like for this Information to be REMOVED from My Credit Profile.
Consumer complaint received 2024-06-20
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: CITIBANK, N.A. (OR)

I had unauthorized credit ( hard ) checks which led to substantial decrease in my credit score, I would like to report the following credit checks from various credit unions : 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 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 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  I tried to call the customer service number to report the same, but was unable to proceed without the card ( s ) details and could not connect to a representative to report the issue.
Consumer complaint received 2024-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (PR)

On XX/XX/year>, and XX/XX/year>, I attempted to withdraw {$200.00} and {$2000.00} from my savings account at Marcus & Goldman Sachs. Two days later, I received a notification that the money could not be transferred, so I contacted the bank because I received an email instructing me to do so. I tried to get information through the chat, but they couldn't help me, and when I called, they asked me a series of personal questions. I explained the situation, that I had tried to withdraw money but was unable to, and they started asking me about several phone numbers and personal information, which I was able to answer because it was my information. 

After that, I asked what was happening and when I would receive the money, to which they responded that they could not give me any information for security reasons but that they would be verifying. They said that although they couldn't provide information about my account, I should give them five business days to call me back or send me an email. During that first call, I spoke with a customer service representative named XXXX. She said she would call me back but never did. On the second call, which I made on XX/XX/XXXX, I spoke with XXXX and started questioning why they wouldn't let me withdraw my money and what was going on. She asked if I had tried to withdraw {$200.00} and {$2000.00}, to which I responded yes. She also asked if I could receive a text from a phone number they had in their system, and I said that it was my mom 's phone but that I could receive a text message. She sent a code, and I provided it. However, she said she couldn't help me and that I couldn't withdraw my money until they verified other things she wouldn't specify. I have not received any emails or calls, and my account is still frozen.
Consumer complaint received 2024-05-31
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)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-11-15
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I have reached out to the credit bureaus and all the third-party reporting agencies with and disputes. After multiple attempts to have them to do and investigation to remove these incorrect data, accounts, inquiries, bankruptcy etc. I provided all the supporting documents to show for removal. But they refused to do and proper investigation but instead keep saying that they verified the information with the court and creditors. I'm requesting immediate removal. If not by the Law the in violation.