davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-01
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: JPMORGAN CHASE & CO. (CA)

I have examined a copy of my consumer report, and during this review, I observed that both the consumer reporting agency and the so-called " creditor '' have provided my personal information without obtaining my consent. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, it is explicitly required that they obtain my written consent or have a court order to share any of my information on my behalf. I want to make it unequivocal that I do not grant permission for them to share my information on my behalf, and I am now formally instructing them to cease and desist all unlawful activities.

In accordance with 15 USC 1692a ( 2 ) of the Fair Debt Collection Practices Act ( FDCPA ), the term " Communication '' encompasses the conveyance of information related to a debt, whether directly or indirectly, through any means. This definition includes various forms of communication, such as oral, written, electronic, or any other medium. Consequently, the act of furnishing the Consumer Report, which contains information about the alleged debt, by the company qualifies as a form of communication under the FDCPA.

In line with my rights under 15 USC 1692c ( c ), I am now officially notifying you to immediately cease any further communication regarding this account. This cessation of communication extends to all forms of contact, including telephone calls, emails, social media, or through any Consumer Reporting Agency. Any additional contact made by your agent or company, except for a confirmation of receipt of this letter, will be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ).

If you fail to comply with this cease and desist notice and continue to communicate, I will have no choice but to initiate legal action against you. I appreciate your cooperation in this matter.
Consumer complaint received 2018-11-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I was notified that effective XX/XX/XXXX the servicing rights to my mortgage would be transferred to XXXX XXXX. Upon receiving the letter I called Chase Bank ( XXXX ) and requested my mortgage document so I could see exactly what disclosures I signed In the loan documents I was provided on XX/XX/XXXX via email from Chase, it did not include any authorization for the bank to sell the servicing rights of the mortgage. I will state that it appears the documents I was provided is not all inclusive of what I actually signed I am requesting a copy of my full mortgage file with any documents that I signed during the closing process. 

Regardless of whether I signed a disclosure outlining that Chase Bank may sell the servicing rights, my primary concern is with the fact that the sale of the rights discontinues my ability to participate in the 1 % Mortgage Cash Back program. Given the remaining term on my mortgage, this is around a {$3000.00} loss to me over the life of the loan. At the time, this was a significant selling point when comparing mortgage products from different financial institutions, as a result of this benefit I opted to obtain a mortgage with Chase Bank. 

It appears this promotion was deceptive and misleading as it was never disclosed nor discussed during the loan process that since Chase Bank has the ability to sell your mortgage at any time, that the promotion may be only available to the customer for a limited period of time. In addition, itd be interesting to know how many loans that operate under this promotion have been sold since its been discontinued as this could have been as strategic yet deceptive and potentially unlawful practice decision made by senior management in the bank to drive loan growth. For example, any bank could offer a benefit such as this which would drive additional loan growth but then having the ability to sell those loans and eliminate any further liability from the promotion. 

Due to rising rates and the cost of refinancing, it would be extremely costly to take my business elsewhere so as a result of this deceptive promotion I am now at a financial disadvantage.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I called all three bureaus. And I did the dispute process. They acknowledge that XXXX  reported the debt was sold to another company and therefore XXXX  DOES NOT OWN THE DEBT. The company that XXXX sold the debt to has been paid in full and agreed to remove any derogatory reporting. They gave me this in writing and I have proof of this info and payment. Despite all of this NONE of the 3 bureaus will remove this from my credit report as derogatory. XXXX says that they acknowledged they do not own the debt to the bureaus- but they are going to continue to report it - and all 3 bureaus acknowledge all of this ( and have my submission of proof as part of my dispute ) but REFUSE to remove XXXX. This is going on 3 years or more of me disputing this info and the credit bureaus refusing to remove it. ( Among several other things like student loans that were never late and the Federal government ceased payments for anyways ).
Consumer complaint received 2024-05-13
Product: Credit 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: CITIBANK, N.A. (NY)

Somebody used my Citibank credit card to fraudulently obtain a {$300.00} cash advance. I have had no luck with Citibank getting this amount refunded. Each time I call, I am told that an investigator determined that the Cash was deposited into my Citibank checking account. THIS IS NOT TRUE!!!!!!!!!!!!!! There is absolutely no basis for this statement. 

I keep telling Citibank that this is not true and am getting nowhere.
Consumer complaint received 2023-12-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

So In XXXX Chase closed my credit card due to " inappropriate conduct '' i believe they closed it because they don't like that im critical of them because when you have an issue with chase their customer support agents don't help with anything they deny your help 100 % of the time employees don't give enough information on your issue. For example i filed a dispute on XXXX in XXXX of 2023 because they charged me on something they should not have a few weeks later chase sides with them and reverses the chargeback i call customer support and they say that XXXX tried to contact me and i didnt respond witch is not true and to reach out to the merchant but the merchant did not want to respond. i was able to get it reversed through twitter but it shouldn't have been reversed in the first place, also recently in XXXX they allow a company to overdraw my account with no way of getting my money back when presented to chase they say that they are unable to do anything and because of that i decided to criticise them to be fair there where moments where i said " XXXX and XXXX '' but they are acting like i was threatening them now today XXXX i cant use my Debit card or savings account and they are holding my money XXXX until a check arrives not only that they closed it with no word until i got annoying and they decided to spit the reason out over the phone but they allow me to use a credit card still witch i got 2 weeks ago they are trying to do something wrong to me by hoping ill overuse the credit card so i can be more in debt. not only that they make sure to go above and beyond when you want to dispute a credit card charge but when it comes to debit transactions they do very little.
Consumer complaint received 2023-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current (PA)

On XX/XX/XXXX at XXXX an amount of XXXX was deposited to a current online banking debit card from XXXX XXXX XXXX when I noticed the deposit I called the bank and told them I did not authorize or approve the deposit into that account i told them I didnt have access/lost to my current debit card and told the I needed a new physical card they told me they canceled the card weeks prior so I assume it did not work. They told me the dont do refund on deposits and that I would have to get in contact with the sender I got in contact with them on XXXX XXXX I explained the situation to XXXX XXXX XXXX ( the sender ) they gave me a case number XXXX XXXX XXXX ( XXXX ) case number. They told me to give the 3 business and they would reach out to me I have yet to hear a response it is now XX/XX/XXXX
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (TX)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The following accounts are reporting inaccurate, illegal late payments Target Redcard XXXX showing late XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Showing late XX/XX/XXXX XXXX
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Absolute Resolutions Corp. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (AR)

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

XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, Dept of Education/XXXX XXXX XXXXXXXX, Dept of EducationXXXX XXXX XXXX XXXX Dept of EducationXXXX XXXX XXXXXXXX XXXX Dept of EducationXXXX : XXXX, Dept of Education/XXXX XXXX Dept of Education/XXXX XXXX XXXX , Dept of Education/XXXX : XXXX, has violated my rights .

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-05
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (TX)

Received communication from XXXX XXXX XXXX stating that my credit score received from XXXX XXXX is low due to " Distance between address and area code of phone number '' " Not enough debt experience '' This is clearly bogus information as the area code for this address is provided by XXXX XXXX XXXX and I am XXXX years old and just purchased a new house. I have tons of credit. 

They say that due to this credit score I may be required to give a nonrefundable credit fee to order the service ( XXXX XXXX ) ..owned by XXXX & XXXX XXXX 
Did I mention that I have had mobile service from XXXX XXXX XXXX for no less than 10 years ( the same account ) This is not right.
Consumer complaint received 2024-04-15
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 urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
Consumer complaint received 2024-01-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

My husband, XXXX XXXX, last 4 of SS XXXX, DOB XX/XX/XXXX passed away on XX/XX/XXXX. There is no estate as he had no assets and his income came from SS and VA XXXX which stops at death. 
He had a credit card at USAA on which I was an authorized user only. The card has about XXXX on it and now appears on my credit report. 

As an authorized user only, I am not responsible for this debt and want it removed from my credit report immediately. 
I did not try calling them as it is difficult to deal with them without getting transferred all over. 
Thank you, XXXX XXXX
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

My loan account service was transferred from XXXX XXXX XXXX to Carrington Mortgage. They are showing there is some late fees that were transferred. I disputed the accuracy but the company refuses to send information to prove the accuracy of fees.

Carrington also is reporting the fees as if they are a late payment. The account is current but they are unwilling to change the way it is reported. I have tried to get them to correct the way they are reporting but they say it is all accurate.
Consumer complaint received 2024-04-15
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)

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2023-12-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

I am a consumer and natural person federally protected as defined by 12 CFR 1002.2 and serving XXXX XXXX XXXX XXXX and XXXX XXXX, debt collectors, with an official notice of dispute as defined by the FDCPA. Please be advised pursuant to 12 FR 1026.13, this constitutes as a notice of dispute for the amount of {$30000.00}. Please be advised I have not given XXXX XXXX XXXX XXXX any authorization to contact me, which is a violation of my Federally protected rights and a violation of 15 USC 1692. XXXX XXXX XXXX XXXX has stated We are trying to collect a debt that you owe which is also in violation of my Federally protected rights under 15 USC 1692. I also hereby include notice to cease and desist and to no trespass in the event that any party has no private right to the federal formal written titles 28 USC 3002 ( 1 ) ( A ) ( B ) ; 31 USC 3718 ; and 18 USC 8.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (IL)

I was late making a payment over 6 years ago on my Chase Freedom card. My APR was 14 %, with a 6 month penalty APR of over 28 %. They never reduced the penalty APR, and continued to charge me the penalty APR until today. There are thousands of dollars I overpaid them in interest over the past 6+ years. My interest rate is still over 28 %, when I called them about it, they refused to do anything. Since it is my oldest card, i asked them to reduce the credit line to {$500.00}. They were willing to do that. Doesnt change thay I overpaid thousands of dollars in interest.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TN)

I have requested a copy of my consumer report and for early warning to put a security freeze on the sharing of my nonpublic financial information.

Any consent that may have been given to Early Warning to share my information with 3rd parties has been revoked.

Early Warning is a consumer reporting agency and must follow the regulations of 15 USC 1681. Failure to comply after receiving this will be willful noncompliance.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Tesla, Inc. (IL)

I bought a XXXX XXXX XXXX on XX/XX/XXXX last year and signed a loan agreement. However, I had a rear-end collision on XX/XX/XXXX this year and I was not responsible. In XXXX, the repairman told me that I needed to scrap the car. Yesterday, the insurance officer told me that my compensation had already paid for my car loan. I leased the car so I can not get my compensation. I find it hard to understand.
Consumer complaint received 2023-12-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (OR)

My credit card was stolen from my friend 's car. The bank called to notify me that there was suspicious activity on my card, I told them it wasn't me as I was out of town and in a completely different state. When they first called, I made mention that I usually leave that card at home but didn't know where it was as I did not have it on me. They have refunded and unfunded my card multiple times. They have done extensive research showing I have never used that card in that town or with that store. I have sent them 2 police reports, mine and my friends. My flight information. My CC information showing charges that I was in another state. Now they are saying that if my friend 's wallet was stolen, which had my card in it, then she would have needed to get a new ID and I need to show them that as proof the theft took place. Her Id was never stolen, she had it on her. They found it suspicious I had used my card at a grocery store with the same name, ONCE, over XXXX miles away at a completely different time. They have opened, closed, reopened the claim over and over again. At this point it feels like harassment. My friend 's card was also stolen, she uses the same bank and hasn't had to do anything. I've been dealing with this for 2 months. 
It's nearly impossible to get the information to the fraud department, even the local branch I have brought all the paperwork too can't get ahold of them easily. I've requested management call me to no avail. Their management is doing everything it can, including making up scenarios, to try and make it look like I'm lying.
Consumer complaint received 2023-12-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Car was repossessed in XXXX during XXXX. Noticed XXXX XXXX that I was XXXX during the times of missed payment. The sold the car for about XXXX leaving XXXX for me to pay on the XXXX XXXX XXXX.