davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited a {$30000.00} JPMorganChase-issued check from XXXX XXXX into my JPMorganChase checking account on Monday, XX/XX/XXXX. The funds were withdrawn from the payors Chase account on Tuesday XX/XX/XXXX. Notwithstanding that, Chase refuses to release the hold and insists on holding the {$30000.00} in its entirety until XX/XX/XXXX. This is extremely abusive of both XXXX XXXX and me as Chase Customers. Neither XXXX XXXX nor I have use of those funds from the time period of XX/XX/XXXX until XX/XX/XXXX. When Chase does this to millions of customers for billions of dollars over the course of a year, it allows Chase to wrongfully and unjustly enrich itself to the tune of millions of dollars at the expense of its customers. 

Notwithstanding that Chase 's hold might be in technical compliance with Regulation CC, it is unethical and wrongful because Regulation CC was established to protect banks from loss. As in effect today, the hold periods of Reg CC are abused and solely benefit the banks at the expense of customers. Because of electronic check processing which did not exist when the hold periods were established, the lengthy hold periods no longer serve to protect banks from loss as originally intended. The banks abuse the holds to give themselves false cover and enable the banks to unjustly enrich themselves at the expense of customers.
Consumer complaint received 2024-03-15
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)

XXXX, Experian, XXXX and XXXX XXXX XXXX is in Direct Violation of The Fair Credit Reporting Act. XXXX XXXX XXXX, account XXXX, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 15 U.S.C 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. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act, and please Dont respond with validated because I'm not asking for anything to be validated or verified.
Consumer complaint received 2023-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (CO)

See the following bank transaction, XX/XX/XXXX Payment to Santander Consumer Usa - {$1000.00} - {$580.00} Santander Bank of which I have no banking relationship with withdrew {$1000.00} from my bank account at XXXX account routing number XXXX account number XXXX. 

I called Santander Bank on XX/XX/XXXX, and spoke to :, Santander Bank XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No information on XXXX XXXX XXXX XXXX confirmed Santander Bank has no information on XXXX XXXX As such I have no account number or address to access at Santander I am now - {$580.00} inn my checking account and can not pay my bills
Consumer complaint received 2020-07-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: OLIPHANT FINANCIAL, LLC (MN)

I called this company I explained to them that the XXXX XXXX loan that I had was supposed to be vacated because I am on Social Security XXXX and needs-based aid all other companies that I had had to file this with because I have become unemployable for quite a long time had taken the steps to dissolve the debt and to write it off this company purchased this debt from the XXXX XXXX XXXX XXXX and is trying to illegally collected from a Social Security recipient Once you have been provided the proper documentation you were supposed to file as far as I understand to have the debt absorbed and you send the proper tax documentation so that I am able to file it on my taxes every other company other than the XXXX XXXX has taken the steps to do this and they were sent to the proper documentation showing that I am a needs-based aid right now and that that has not changed I feel I am being taken advantage of by a company who is using scare tactics and I believe that they should be put out into the world so that people know these practices are not legal and that they are Once you have been provided the proper documentation you were supposed to file as far as I understand to have the debt absorbed and you send the proper tax documentation so that I am able to file it on my taxes every other company other than the XXXX XXXX has taken the steps to do this and they were sent the proper documentation showing that I am on needs-based aid right now and that that has not changed I feel I am being taken advantage of by a company who is using scare tactics and I believe that they should be put out into the world so that people know these practices are not legal and that they arePracticing actions that are considered against the law
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. 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. These were already included in my prior complaint and I'm including them 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
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. (GA)

I looked at my credit report on and noticed some things are incomplete and not accurate. I sent a letter to Experian and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 USC 1681i ( XXXX ) it states that this ( XXXX ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too. 

Here are the list of accounts that are not reporting accurately ( Name and account numbers ), delete accounts immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i XXXX XXXX ) ( A ) ( i ) & ( ii ), and 15 USC 1681e 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 2024-04-10
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: EQUIFAX, INC. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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. (NE)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor 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
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX 
Washington, D.C. XXXX Ref : Mortgage with XXXX / Mr.Cooper Mortgage Escrow dispute Date : XX/XX/XXXX To whom it may concern : I am writing to you for your assistance on my existing 20 year mortgage. I originally signed my mortgage loan with XXXX XXXX on XX/XX/XXXX. XXXX XXXX was bought out by XXXX XXXX XXXX which took over my loan. Then in XX/XX/XXXX, XXXX XXXX XXXX sold my mortgage to XXXX, and a few months ago, I was notified that Mr.Cooper ( affiliated with XXXX ) was now my mortgage company. Throughout these changes of mortgage companies, I have never been late or behind in any payments, and presently up to date with mortgage payments, property taxes and insurance payments, and will continue to demonstrate that consistent payment history until all mortgage obligations are completed in XX/XX/XXXX. 
My originally contracted loan with XXXX XXXX was for me to pay my property taxes directly to my municipal thein N.J. I have done so consistently for the past sixteen ( 16 ) years without any problems. Last month, Mr.Cooper who just took over my loan, decided to start an escrow account, without notifying me of any cause. I strongly objected by calling Mr. Cooper last month, and was told by a customer service agent, to send in my concerns in writing with documentation to a fax # ( XXXX ) XXXX XXXX, which I did on XX/XX/XXXX. I also sent the same letter & documents via XXXX, package # ( see attached ), a few days later. After a week or two of not hearing any reply from Mr. Cooper, I called to follow-up and was given no solution and hung up on the first time, and left on hold the second time for longer than 15 minutes at a time during the conversation. 
I have included all necessary documents for your review and ask your assistance on this matter. I am asking that they honor the originally contracted agreement, and I continue paying my own property taxes and the escrow be removed. To date, I have paid the first two ( 2 ) QTRs of XX/XX/XXXX. 
My mortgage will be completed in approximately four ( 4 ) years, XX/XX/XXXX and ask  that Mr. Cooper in no way modify or change my contracted mortgage until its completion.
Consumer complaint received 2023-08-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (GA)

My car was illegally possessed on XX/XX/15 with no communication from Westlake portfolio management. Ive contacted them asking for proof of purchase of my vehicle, asked for my original agreement they failed to provide it. But illegally took a vehicle that doesnt have their name as the Lein holder. I need my possession back to my residence because nothing was agreed or settled to even take a car thats not theirs.
Consumer complaint received 2023-06-07
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Act Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 USC 1681 section 602 A, 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. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. 

In accordance with the Fair Credit Reporting Act, The following addresses are inaccurate and need to be removed from my credit report. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2023-05-03
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. (FL)

XXXX XXXX XXXX XXXX 15 us 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, debt collector may not communicate with a consumer in connection with the collection of anydebt- 15 us 1692b ( 4 ) not communicate by post card ; 15 us 1692b ( 2 ) not state that such consumer owes anydebt ; 15 us 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of adebt
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I was look at my credit report on Experian and I notice some things that are not correct. I sent Experian numerous complaints about this matter. and it has been over 35 days and it is a violation of 15 USC 1681 ( a ) ( XXXX ) ( A ). 

Experian is allowing XXXX to report a bill that was Paid in full to the bearer to deliberately effect my credit score. In which Experian, is reporting inaccurate information, that is causing irreparable harm, this account was paid in full under XXXX, XXXX XXXX UCC XXXX, in which is a negotiable instrument under the UCC and also Title 18 section 8. and the company is in violation of the Terms and provision of the United States by Tring to tax the Doller in which it is a crime to tax a government issued federal reserve note. Title XXXX section XXXX EXEMPTATION from TAXTATION, thus government obligations are not taxable. More importantly this company has illegally sold my private information to a XXXX party without my written consent and i have not and will not give consent, in which constitutes fraud on behalf of XXXX XXXX XXXX pattern practice of XXXX, UCC, XXXX CFPB XXXX and many other not known at the time of complaint. 

Under 15 USC 1681 ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and excepts as provided in subsection ( g ), if the consumer or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency XXXX, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and recorded the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( XXXX ) before of a XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I logged on to my mobile app through Bank of America. I tried several times to do a mobile deposit for a check from XXXX. I would follow the steps, hit submit and it would come up with an error. I then used my husbands phone with the same app. It also had the same error come up. So I went to Bank of America ATM ( it was after hours so they were closed ) and deposited it. My statement stated that transactions would be covered on XX/XX/XXXX and funds would be available the next business day ( XX/XX/XXXX ). However, on Monday XX/XX/XXXX, it stated that 2 mobile deposits and 1 ATM ( for the same amount ) were deposited and now there was a hold on my check until Friday, the XXXX. Clearly a bank error. I called the customer service line and spoke with many reps that said that there was nothing they could do and couldn't release the hold. I went into the BOA location on Monday ( XXXX ) to make them aware of the situation and the branch manager advised me to return the following day when funds should of been originally released. On Tuesday ( XX/XX/XXXX ), the following day, I went back to the location, spoke to the branch manager and he told me that the mobile errors dropped off. He released the hold. I was able to use my account until Thursday, the XXXX, when the bank put another hold on my account, this time making my account with a negative balance. I went back to the bank and the branch manager spoke to BOA team and couldn't release the hold. He said they have a hold on it for 24 hours. But 24 hours passed and there is still a hold and a negative balance on my account. So on Friday ( XX/XX/XXXX ) I called BOA and spoke to two team members, one being a supervisor, and was told that there is a hold on the check until XX/XX/XXXX!!!!!!! Ridiculous. Because of a BOA error and no fault of my own or the other financial institution, my funds will not be available to me until 12 days after I deposited the check into the ATM. Every representative that I've spoke to says that there is nothing they can do. This is completely unacceptable! I am being penalized for a BOA error.