davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

Below is the email that I sent to the CHASE EXECUTIVE ESCALATIONS email. They reply and the. Called multiple times.

First the rep typed in the wrong case # on her inquiry and apologized for taking so long. Then she didnt send the request. Whoops. Then she will call me back and never did. 

How unprofessional! 

Explanation Below On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : Long story short I took out an ad program with XXXX. Their XXXX XXXX  is completely non-user friendly and I struggled even asking for help through XXXX  I got the campaign going. I took {$500.00} per month ( my entire ad budget ) from XXXX and started a ad with XXXX. Well what was supposed to be {$210.00} per month for two ads they ended up twisting it around and taking {$500.00} per day from my account. The moment I realized what they were doing I went into XXXX and deleted the ad accounts. I messaged support and they said they would get right back to me and NEVER EVER did. I then called Chase. Issued a stop payment. I disputed the charges. I was told by Chase that they would mail a form that I need to send back in. The lady told me I would have a provisional credit. No credit came. I called and they said they are waiting for the form. I got mad and said they took a substantial amount of money and provisional means while you get things resolved. Not provisional after you get a form mailed. We went back and forth. Finally I found the form since it DID NOT COME VIA US MAIL AS PROMISED. I emailed it, faxed it and emailed it to the local branch asking him to fax and he confirmed he received and faxed successfully. 

Finally I got notice that the claim was closed because get this. I never returned the form. 

I moved money from my savings accounts with chase. Small amounts totaling probably $ XXXX to another bank. 

I am infuriated. How dare your bank rule against me for such a ridiculous reason. I said the charges were not authorized in that amount. I would never ever authorize that dollar amount for a small family business. I am your customer. You should have stood behind me. It was important to me that chase had my back. But you completely added to the frustration and broke my heart. 

I need someone to take action! I need to see that I matter. 

Please respond. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Sent from my XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (TX)

I am hereby issuing a formal complaint against Truist who acquired BB & T and my XXXX account, which is tied to an investment account. Given that I have been in good health and have not had the need to use my XXXX account in the past XXXX  years Truist has decided to close the account # XXXX on or about XX/XX/2022. This account closure was due to Texas Law ( according to Truist ) and the funds were sent to the Texas XXXX of Public Accounts. Truist only closed the XXXX account ( ~ XXXX} ) and not the associated XXXX investment account ( ~ XXXX ). As such I am now in a position where I can not access the XXXX investment account given the closure of the Truist XXXX account as they were tied at BB & T. 

I am asking the CFPB to step in as I believe Truist to not be acting in my best interest as the fiduciary for my XXXX and XXXX investment accounts.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (PA)

KeyBank will not close out a checking account that was opened online at their institution using my stolen identity resulting from a fraudulent XXXX  unemployment comp claim during the pandemic after my numerous attempts contacting them to have it closed out. I am still getting statements on this account I never opened. It does show a XXXX  balance.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has allowed the following companies to request my credit report without my knowledge, consent or authorization. I have had a credit alert on my credit report over 3 years so that if someone applies for credit with my information I would be contacted to verify that I applied for credit. That procedure never took place, I was never contacted and never did apply for credit with these companies. Now these companies are on my TransUnion report as inquiries. 

on your TransUnion 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
Consumer complaint received 2023-08-21
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: Thrift Investment Corp. (NJ)

I sent out identity theft letters to these companies in regard to1 8 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am willing to settle their civil liability damages I have suffered as a result of their violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, Thrift Investment Corp XX/XX/XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-01-09
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. (NC)

on XX/XX/2022 The Credit bureaus stated XXXX XXXX XXXX XXXX XXXX was properly Investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. Also they violated my rights under the care act posting late payments when they gave me consideration by waiving my late fees during the pandemic. 

I haven't given this accout written permission to furnish this account on my credit report as well.
Consumer complaint received 2017-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (CA)

BEWARE OF XXXX XXXX 'S PUSHING THEIR CREDIT CARDS ON UNWARY CUSTOMERS! Speaking as such a customer as well as a consumer economist, I found that they claim instant issuance of a credit card, whereas my wife and I stood in line for a half hour, early in XXXX of XXXX, while our frozen groceries melted -- only to be told that we would get a letter in the mail, which took weeks to arrive! We had just moved to XXXX XXXX and Target declined to issue us a card for that reason, whereas we got cards instantly from XXXX and XXXX. Target  store staff fail to mention the truth about their cards, making it seem that newcomers have no problem being approved, and that the cards are issued instantly -- which is a bald-faced lie. Try entering a Target store, and the " greeters '' corner you to push their cards, as do the checkout staff too. These high-pressure tactics lead unwary consumers to apply for a Target card, but be denied. 

FURTHER, writing to their corporate officers -- including XXXX XXXX XXXX and their top media staff -- does not even merit a response. Target does not even reply to customer service complaints, on their own comment form! Target top staff are high-handed, heavy-handed, and do not honor their own corporate responsibility statements. Target compounds injury ( by lying about their card issuance ) with the insult of non-response. Given their pious statements of respect for their customers and customer rights, this firm behaves abusively & does not deserve customer support. A full investigation of these abusive practices and misrepresentation is quite overdue! 

Ps. By way of background, I am a consumer economist who helped former XXXX XXXX XXXX XXXX write the original CFPB legislation, and who also advised your first XXXX XXXX XXXX. I am proud to have helped the XXXX people by doing so.
Consumer complaint received 2024-03-27
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)

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-09
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. (GA)

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 XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 2023-05-16
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: Kikoff Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, you have 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
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: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-01-09
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. (NV)

XXXX, Transunion, & XXXX is reporting inaccurate information on my consumer report WITHOUT permissible purpose and is causing damages to my report and my character. Fifteen United States Code 1681 A Rules of construction paragraph 2 titled exclusions states that transactions do not report to the consumer report and late payments are forms of transactions so this means that if a late payment is reported to my consumer report its a direct violation of the Fair Credit Reporting Act resulting up to XXXX $ per violation. 

XXXX : XXXX XXXX ( XXXX ) XXXX : XXXX XXXX  XXXX )
Consumer complaint received 2023-01-09
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. (NV)

XXXX, XXXX, & Equifax is reporting inaccurate information on my consumer report WITHOUT permissible purpose and is causing damages to my report and my character. Fifteen United States Code 1681 A Rules of construction paragraph 2 titled exclusions states that transactions do not report to the consumer report and late payments are forms of transactions so this means that if a late payment is reported to my consumer report its a direct violation of the Fair Credit Reporting Act resulting up to XXXX $ per violation. 

XXXX : XXXX XXXX ( XXXX ) XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently made sure payments on this account are on time, preventing any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-06-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

COMPLAINT ID : XXXX 15 US Code 1681i- Procedure of disputed accuracy CRA took 60 days to investigate the disputed items submitted. CRA has 30 days. May be up to additional if I would have submitted new information or documentation which would allow them additional 15 days. That did not happen. Violation by taking 2x the allotted time to investigate. 

The information I disputed and the notice I submitted was not documented that they submitted a notice of dispute within 5 days. That is required. The CRA did not do that. 

Please provide reasonable methods used to verify. Provide the evidence of the reasonable procedures that you used to come to such a conclusion that it was the disputed information was verified. 

Who did you talk to? What is the telephone number of the person you spoke to? What address did you contact? Your procedures for investigation are impartial and fair to preserve the rights of me, the consumer. You have failed a description of the procedure used to determine accuracy and completeness. Any furnisher/lender/creditor must have my signed disclosures that I gave them permission to report. *VIOLATION *Violation of the Gramm-Leach-Bliley Act* 15 US Code 1681i- Procedure of disputed accuracy ( C ) Contents of Notice ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.

The CRA failed to outline just that. How was the information I submitted used to verify the disputed items on my credit report? What information did you use to modify my credit report? The information that I sent to you? BC I have the right to privacy and if you obtained any verifiable proof, my permission ( verbal or written ) to report these items in the first place. So how can you verify or modify something that isn't supposed to be listed in the first place? 15 USC 6802 Violation.

Where is the evidence that I gave permission and consent? Provide evidence that the company has permission to report the disputed items on my credit report.

If you are in a business transaction with various reporting services, how does this make your investigation fair and impartial? These companies are paying you to report. This is identity theft. I am not part of that business transaction. This is hurting and harming me and my financial powers.
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Please be advised that the following statements are not limited to the legal complaint found herein I had requested specific documents from the bank aka Wells Fargo received by me on XX/XX/XXXX concerning copies of original closing Settlement statement with the U.S. Department of HUD concerning my home located at XXXX XXXX. XXXX XXXX, XXXX XXXX, Florida XXXX After careful evaluation of the documents sent from the bank, I compared the copies sent from the Bank with the originals I have and hold in my possession. I have clearly noticed that the documents sent from the bank that the signatures did not exactly match those of the original documents. The signatures OF SAID DOCUMENT provided by Wells Fargo APPEAR TO HAVE BEEN Noticeably TAMPERED with, SUPER IMPOSED, SCANNED FROM OTHER DOCUMENTS then POSTED ON THE COPIES SENT FROM WELLS FARGO and are not considered OR ASSIMILATE AS being AUTHENTIC IN COMPARISON WITH THE ORIGINAL HUD SETTLEMENT STATEMENT ( XXXX XXXX XXXX ) and is better translated or considered as some kind of intentional forgery in reliance to the signatures which consequently would affect and disrupt all legal passive actions and judgments that the Bank as exercise or implicated against me. 
In consideration of the following this causes a serious and dangerous act againts my person, which can be remedied accordingly. After reviewing the documents I decided to dig deeper so I went and pulled documents from the foreclosure process and came to discover that many documents submitted to the Court where missing paragaphs, signatures, pages, and the list goes on, WELLS FARGO EXECUTED MANY ANSWERS THE COURT VIA ATTORNEYS THAT SHOULD HAVE BEEN DISMISSED OR ADDRESSED. 
In pursuit of my complaint the Bank as been known to use constant illegal methods, and strategies, to unjustly FORECLOSE AND PLACE LIENS OR INFLUENCE JUDGMENTS THAT SHOULD HAVE NEVER CAME INTO EXISTENCE. 

There is no word to describe how difficult the dealings with Wells Fargo have been since the origination and transaction of the loan that was transferred from XXXX XXXX TO XXXX, TO WELLS FARGO and reassigned to XXXX XXXX XXXX XXXX. It is my clear understanding that WELLS FARGO sold the loan to XXXX for a discounted reduced sum much inferior to what was owed concerning the balance of the loan. Wells fargo also purchased insurance policies at my expense 4 times the normal amount itwould cost they would charge for a year of coverage and then cancel the insurances within 3 months or less still charging the full amount. Corruption added with injustice is the practice that this banking system operates on. 
They CAN NOT BE TRUSTED nor can they be rewarded for causing this kind of voluntary damage to my person Which reserves the sound right for me to defend my just cause and expose on founded grounds the continuous perversion associated with this peticular banking system. 


Thank you for reading my complaint I ask that appropriate remedies be initiated and applied concerning this matter.