davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Chase Sapphire Credit Card advertised XXXX introductory reward points to any new card customer that spends XXXX XXXXXXXX in the first three months. I received my card in XX/XX/XXXX and charged over XXXX XXXXXXXX within the three month time period. To date, the total amount of " New Cardmember Bonus '' points, listed on my monthly statement, is XXXX. Chase is XXXX short of what was advertised. 

On XX/XX/XXXX I called the customer service number, on the back of the Sapphire card ( XXXX ), around XXXX to speak to the representative about my remaining XXXX points. She ( can't remember the name ) requested an address verification to continue her search- I verified. Then, she claimed the system would not allow her into my account without my birthdate- I gave it to her. Then, she said the system is asking for the name of my other Chase credit card - I told her " Slate. '' Then, she requested the three digit CVV number on the back of the Slate card. By that time, I was frustrated, did not understand what any of my information had to do with reward points, and felt uncomfortable releasing any more personal information. She immediately apologized and said her system requires that information, followed by, " I will transfer you to the Escalation dept! '' The phone system put my back in the queue for another 20 minute hold for the next representative. 

At XXXX XXXX answered and said he was the supervisor. I explained the reward points situation and expressed my dismay for being required to answer personal information, and details about my other credit card that had nothing to do with the card that had the points discrepancy. He said the personal questions, " can be annoying, '' and without any further security inquiries, he delve into the situation at hand. Basically, XXXX confirmed that I, indeed, did spend over XXXX XXXXXXXX within the three months period, as stated in the terms and agreement. And, assured he would " send a note to the Marketing and Advertising dept, '' to research and eventually add the XXXX points to my account. It would take two statements cycles, if I were to receive any solution, XXXX concluded.
Consumer complaint received 2021-05-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (IL)

I have contacted cash app on multiple occasions to dispute 3 XXXX XXXX transactions, XXXX posted onXX/XX/XXXXXXXX posted on XXXX, and XXXX posted onXX/XX/XXXX. Cash app/XXXX XXXX  has refused to process the disputes. claiming they didn't know what transactions I was talking about. I sent them the screenshots on their banking app of the transactions. They claimed it would take them 10 business days just to assign the disputes to another representative from their email team then an additional 45 days to investigate. Using their chat form I am given the run around with them using the same templates requesting the same information from me such as my email all with no response. They are refusing to acknowledge or process my dispute process and giving me the run around whilst I'm out of over XXXX dollars from a merchant I have been unable to resolve the matters with.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: First Technology Federal Credit Union (TX)

XXXX is a company that provides services in 2 different industries- in this case a loan agency and a solar panel sales agency. I had a balance transfer check in the amount of {$5600.00} from 2 First Tech Federal Credit Union sent to " XXXX ''. When I looked up the address online to send the check to I did not know that there were 2 separate agencies and the balance transfer check went to the solar panel agency instead of the loan agency. The check was issued on XX/XX/XXXX and deposited by by the XXXX solar panel agency on XX/XX/XXXX. The check included my account number with the XXXX LOAN agency- i have no account number with the solar agency. When I called and spoke to the solar panel agency and explained the situation they attempted to look up my account and then confirmed that they do not have an account for me and that I would need to work with my bank. Clearly this is fraud on the part of XXXX, and I do have another complaint filed against them ( XXXX ). However, the problem here is that First Tech Federal Credit Union will not assist me in getting this matter resolved. I have called, emailed and sent a letter. When I call I am given the runaround, being told that this needs to all be communicated via email. When I attempt to email them or send USPS mail, I get no response. Of course, XXXX is not willing to work with me either. I need First Tech Federal Credit Union to investigate this issue, but clearly they are not willing to! I have attached a copy of the check sent and also screenshots showing my outstanding balance and that there has been no payment applied to my XXXX account for the {$5600.00} balance transfer that was deposited on XX/XX/XXXX. I have filed complaints against both XXXX and First Tech Federal Credit Union due to the fraud committed by XXXX and the inaction of First Tech Federal Credit Union, refusing to work with me.
Consumer complaint received 2021-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (ME)

On XX/XX/XXXX {$490.00} was added to my cash app account, then withdrawn. I called customer service for XXXX..I was then instructed to download cash app in case there were any charges for services. I gave this person my account numbers. On XX/XX/XXXX went to my bank to report the transaction. They contacted cash app. On XX/XX/XXXX I was assured they refunded me my money. I never received it. It was sent to an account that was not mine. Been battling this issue since then to no avail. They say they sent refund..they are not listening to me when I tell them it was not sent to me.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

On XXXX XXXX I received a copy of my consumer report and I recognized multiple accounts listed on my consumer report fraudulently. XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX according to the FDCPA 15 USC 1692j ( a ) it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating
Consumer complaint received 2023-09-15
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. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

In XX/XX/ my car was flooded in a freak storm. A claim was filed and the car was totaled and paid out under coverage. Only now am I learning that my auto insurance company USAA inaccurately reported the event as " collision. Although I am trying to correct this, I have encountered resistance from XXXX XXXX to access my report. 

WHY DOES XXXX XXXX HOLD SO MUCH POWER OVER OUR LIVES? 
WHY ARE THEY ALLOWED TO POST FALSE INFROMATION THAT DIRECTLY IMPACTS MY RATES AND COVERAGE? 
WHY ARE WE AS CITIZENS NOT INFORMED OF THIS IFNROMATION AS WE ARE WITH CREDIT AGENCY REPORTING?
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OR)

I previously filed a complaint and the company responded to you that they gave my money back. I have not received my money nor will they tell me where it is at besides the fact they will not give it back to me. 
This all started when my phone was stolen and someone logged into my cashapp account and changed all my information over to them. I alerted the company and they stated they closed the account. Clearly the account is not closed and this person is still using it. My stimulous check went into this account after they told me it was closed and they said they would combined my old account and new account at one point, then they retracted and said my request to access my funds was not approved. 
They still will not give me any info as to where my money.
Consumer complaint received 2024-04-16
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 accounts 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This agency violates 15 USC 1681i. 

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (NC)

According to a settlement agreement between myself and Flagship Credit Acceptance dated XX/XX/2022 for a Lawsuit for identity theft I filed against the Respondent they agreed to the following terms. 
Special Consideration. Within thirty ( 30 ) days of execution of this Settlement Agreement, Respondent further agrees to submit requests to the major credit reporting agencies ( CRAs ) to which it furnished information about Claimants Account, requesting by XXXX XXXX XXXX form ( XXXX ) that the CRAs report the account as paid in full for less than the full balance. To the extent that on the Effective Date of the Agreement Respondent has already submitted a request to the CRAs to remove the tradeline in a manner consistent with this Settlement Agreement As you can clearly see in the agreement the respondent stated that they put in a request to all the CRAs to REMOVE the tradeline in a manner consistent with the settlement agreement. And it should state paid for less then full amount. However this has never happened in breach of our contract. As you can see in the attached credit report from XXXX Moreover there is no provision in our settlement agreement that allows the respondent to report late payments. Which they are currently doing today. Its obvious the respondent has a problems reading their own contracts with comprehension and even a greater issue of following the contract. Also let me please remind the respondent that the settlement was reached because they defaulted for identity theft lawsuit and threatening to report fraudulent information to XXXX and XXXX when the person knows or should know it is fraudulent is violation of federal law and my consumer protection rights. Not to mention a breach of contract. I have attached again copies of my police report, FTC, identity, the settlement agreement and the respondents last reply. It is clear that Flagship Credit Acceptance has no problem violations 15 usc 1 Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court.. My next steps will be to file complaints with the OCC, SEC and SOS respectively. I look forward to settling this breach of contract in federal court. And would like to thank the respondent for helping me collect my preponderance of evidence.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Dear Consumer Financial Protection Bureau, I, XXXX XXXX XXXX, urgently submit a formal and grave complaint against XXXX XXXX XXXX  ( Respondent ) under the Fair Credit Reporting Act ( FCRA ). This complaint addresses the egregious misrepresentations of my credit standing, specifically concerning XXXXXXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX.

Statement of Violation : Bank XXXX XXXX, in blatant violation of FCRA provisions, has disseminated profoundly inaccurate information regarding my credit standing, deliberately misrepresenting the status of my Travel Rewards account ending in XXXX. 
Presentation of Undisputed Evidence : I provide incontrovertible evidence, including a meticulously documented payment receipt from XXXX XXXX XXXXXXXX on XX/XX/year>, and an unequivocal email notification dated XX/XX/year>, explicitly stating the termination of the aforementioned account. 
Alleged Violations of FCRA : The Respondent 's egregious actions starkly contravene FCRA mandates ( 15 U.S.C. 1681s-2 ), imposing unambiguous obligations on furnishers to provide nothing less than accurate and complete information to consumer reporting agencies.

Urgent Request for Remedial Measures : I urgently implore the Bureau to embark upon a swift and intensive investigation, compelling XXXX XXXX XXXX to promptly rectify the severe inaccuracies pervasive in my credit reports. I demand nothing short of the immediate removal of erroneous information and the issuance of corrected credit reports, unequivocally reflecting accurate and verified account statuses. 
Implicit Warning of Legal Recourse : Should this matter persist unresolved, I want to underscore my unwavering readiness to pursue the full spectrum of legal remedies available under FCRA and other pertinent statutes. The gravity of XXXX XXXX XXXX XXXX actions necessitates a formidable response to safeguard my rights and rectify these severe transgressions. 
Expedited Request for Document Upload and Address Update : In addition to the aforementioned urgent actions, I request that all correspondences related to this matter be expeditiously uploaded to the Consumer Financial Protection Bureau 's records. Furthermore, it is imperative to update my mailing address to reflect the current information provided. 
This matter demands the utmost urgency and gravity, and I trust the Consumer Financial Protection Bureau will address it accordingly. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX TX XXXX Attention : Credit Dispute Department This letter is being sent to you in response to a notice sent to me on ( XXXX XXXX XXXX ) or a listing on my credit report the following loans ( XXXX XXXX XXXX XXXX  ), ( XXXXXXXX  ) and ( XXXX/Dept of Ed-XXXX  ). i received official letter from last loan that my loan was passed to was paid in full. Be advised I paid this debit off and as such this is not reported correctly and, a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested. 
Violation of the FCRA Violation of the FDCPA If your offices can please remove this from my credit immediately that would satisfy this urgent request. 
Best Regards, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-03
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. (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 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years