davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (DE)

Chrysler capitol violated XXXX : Billing error resolution. XX/XX/2024 Section XXXX : A reflection on a periodic statement of the creditor 's failure to credit a payment or other credit issued to the consumer 's account. For the amount of {$15000.00} ( XXXX ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. 
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. 



12 CFR 1026.11 ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six month ( b ) Account termination.

( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked. 
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  A Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is XXXX XXXX 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 2023-06-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andreu, Palma & Andreu, PL (FL)

Andreu, Palma, Lavin, and Solis notified me by postal mail they were trying to collect a debt for XXXX XXXX  account ending XXXX owned by XXXX XXXX. I emailed on XX/XX/2023 disputing debt, and specifically asked for verification through USPS. Never received a response. I am now getting letters from lawyers with case number # XXXX. I stated I was disputing the debt until I received supporting documentation from the original creditor, which I have yet to receive.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (MS)

Subject : Urgent Complaint Regarding Account Restriction by Regions Bank Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against Regions Bank regarding the unjust and unexplained restriction placed on my account. As a member of the military currently stationed outside of Regions ' network, I find myself in a deeply concerning situation with no access to my funds and no clarity on when this issue will be resolved. 

My account was inexplicably restricted by Regions Bank, without any prior notice or explanation provided to me. Despite my numerous attempts to seek clarification and resolution, both through phone calls, attempts to speak with managers, and even through chat support, I have been met with a complete lack of assistance. The representatives I spoke with were unable to provide me with any information regarding the timeframe of the restriction or the reasons behind it. 

As a member of the military, I rely on prompt and efficient access to my funds for various essential needs, including financial obligations and emergencies. Regions Bank 's actions have not only caused significant inconvenience but also pose a direct threat to my financial stability and well-being. 

It is evident that Regions Bank 's actions are in violation of several banking laws, particularly regarding transparency, timely access to funds, and customer service standards. Despite my persistent efforts to resolve this matter, I have been met with nothing but frustration and inadequate responses from Regions Bank. 

I urge the Consumer Financial Protection Bureau to intervene in this matter promptly and ensure that Regions Bank provides me with immediate access to my funds, along with a clear explanation of the reasons behind the account restriction. Furthermore, I request that appropriate actions be taken to hold Regions Bank accountable for their disregard of banking regulations and their failure to provide adequate customer support. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this urgent issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-01-18
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

On XX/XX/year>, I logged onto the XXXX XXXX website to purchase round-trip tickets for a flight to XXXX. As part of the purchase process, there was an offer to apply for a Citibank XXXX XXXX Advantage Credit Card. By doing so, I was told I would get a {$200.00} credit. I applied for the card and received an approval email. However, before I could complete the transaction I was cut off from the website. I went back in and re-entered all my flight information. When I reached the section for the payment there was no record of my approval. I called XXXX XXXX and was told by a supervisor there that I had to speak with Citibank. When I called Citibank, I was told that, unfortunately, NO ONE IN THE ENTIRE MULTI-BILLION DOLLAR INSTITUTION could provide me with the temporary card number to complete my transaction. Their website only shows a truncated card number with just the last four digits showing. No one could provide it! I asked for a supervisor and after holding for quite some time I was informed by him that there was nothing ANYONE in the company could do and that I would need to pay for the tickets with another credit card, even though they had pulled my credit and approved me FOR THAT SPECIFIC TRANSACTION! What if I did not have another card? They pulled my credit based on the offer they advertised and approved me, but then did not allow me to complete the transaction they advertised! I will NOT receive the bonus and they have a {$99.00} annual fee on top of it. This is unacceptable. The Supervisor, XXXX who said that his ID # is XXXX, said that I should simply " move on and use another card! '' He kept talking over me and would not allow me to even tell him the details of the experience. I, thus, was not able to complete the advertised transaction after applying and getting approved! This is false advertising, and a multi-billion federally Insured financial institution should have processes in place when making offers like this, Also, nothing in my approval e-mail indicated what interest rate I was approved for! They advertised a range. When I was approved, they should have told me the rate I was approved at so I could accept or decline! At their level, they really should have all these things down, and a Supervisor should have been able to help. I was told that I had to write a letter and send it to a XXXX XXXX at Citibank in XXXX XXXX. None of this helped me purchase the airline tickets I was promised I could purchase in real time. If companies are going to make offers like that they should be responsible for carrying through. I need to know that they will be held accountable for this.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: North State Acceptance, LLC (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the XXXX document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

In accordance to the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC1681 Section 602 states I have the right to privacy. 16USC1681 Section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 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.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

I have been a Chase Credit Card customer in good standing for over 20 years and when I filed a complaint regarding fees that were charged to me unauthorized they retaliated and closed all my accounts without notice. Also, I tried to transfer my funds from my bank account to another and they stopped it. Due to the closure of my accounts my XXXX score decreased several points. They still haven't refunded my fees and thousands of my point with XXXX are missing and my reward points are also missing.
Consumer complaint received 2024-04-29
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. (AZ)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-04-29
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: EQUIFAX, INC. (NY)

Equifax Information Services LLC Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Documentation and Review of Credit Report Dispute Resolution To Whom It May Concern, I am writing to formally challenge the conclusions reached in your recent investigation regarding the account ending in XXXX, as reported by XXXX XXXX XXXX XXXX XXXX. Your response dated XX/XX/2024, states that adjustments have been made to my credit file. However, it fails to provide a comprehensive disclosure of the investigative process, including crucial documentation that verifies the legitimacy of the data furnished and its compliance with applicable laws and standards. 

Demand for Evidence and Compliance Verification : Documentation of Authority and Accuracy : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & ( a ) ( 6 ) ( B ) ( iii ), I request detailed documentation that supports the results of your investigation. This should include : A copy of the original contract or agreement with XXXX XXXX XXXX XXXX XXXX. 
Correspondence or transaction records that validate the reported data. 
Verification of Calculation and Reporting Standards : In light of XXXX XXXX XXXX XXXX ( XXXX ) guidelines, particularly those related to the reporting of credit losses under XXXX XXXX, provide evidence of the methodology used in determining the " Charge Off Amount '' and its alignment with Generally Accepted Accounting Principles ( GAAP ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regulations : Given the amendments under the Bank Secrecy Act ( BSA ) and its XXXX frameworks, please furnish details showing your compliance with these regulations during the data furnishing and investigation processes, particularly concerning the verification of my identity and the prevention of fraudulent reporting. 

Resolution and Compliance Demand : I think your response 's discrepancies in the reporting and the lack of transparency are concerning. They suggest potential non-compliance with the FCRA and other relevant statutes, which may lead to legal ramifications affecting both our parties. Failure to adequately address these concerns might compel me to take further legal action, including but not limited to seeking statutory damages under FCRA 1681n and 1681o for willful and negligent noncompliance. 

I expect a response within 30 days of this letter, detailing the actions you have taken to rectify these issues and including all requested documents. Please treat this matter with the urgency and diligence it requires. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX without prejudice, all natural inalienable rights reserved. 


cc : Consumer Financial Protection Bureau New York Department of Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
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. (TX)

EQUIFAX is VIOLATING FCRA 605B AND 15 USC 1681C-2. I have submitted the required supporting documents which were police report and theft affidavit and they are STILL REPORTING ONE FRAUDULENT ACCOUNT ( XXXX XXXX )
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-12-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am wondering what process of investigation you are wasting that despite previous escalation of my dispute, you will advised that I had to wait for 30 days for the investigation yet there was no progress for so long already. I am writing to dispute and request the removal and update of an inaccurate late payment that continues to stain the reputation of my creditworthiness on my credit report. 
Account Information : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to emphasize that this late payment is inaccurate and does not reflect my credit history accurately. I have consistently maintained a positive payment history with the mentioned creditor, and there were no late payments during the disputed period. The presence of this inaccurate late payment on my credit report has a detrimental impact on my creditworthiness and financial standing. I am committed to maintaining a favorable credit history, and this reporting error is causing unwarranted damage to my credit reputation.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

Chase Bank closed my credit cards due to retaliation after I filed a complaint to CFPB because they have been charging me interest fees and fees without my knowledge. I have been a loyal customer for 20 years and they refused to do the right thing and credit my account. They closed without notice and I am missing thousands of Southwest points.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

Company closed my credit card accounts without my knowledge. I have been a customer for 20 years with great credit history. They retaliated after I submitted a complaint to CFPB because of interest fees that were charged without my knowledge. I questioned these charges and they have provided no call back or resolution. These charges were unscrupulous and can't believe they have been getting away with charging customers. I was told by numerous friends that Chase charged them fees without their knowledge too and didn't provide an explanation and just ignoring them. I can't believe they can get away with this especially since banks are regulated.