davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

My chase account was closed on XX/XX/year>. After contacting chase and going to a branch, representatives will not disclose why my checking account has been closed and has yet to release my funds as of XX/XX/year>. I had recently just received my paycheck on XX/XX/year> and since I havent been able to have access to my paycheck, most of my bills have now become past due. I have did nothing wrong and do not deserve to deal with late penalties for not paying my bills because Chase has closed my account for no reason.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have never opened and account with USAA and when I first tired they told be " We're unable to complete this request. We're unable to move forward with this application. USAA Bank is exercising it '' I wasn't given an explanations or Have I given them a reason to do this to me
Consumer complaint received 2023-11-09
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: DISCOVER BANK (CA)

i sent a prior dispute but needed to update we authorized only the charges from XXXX XXXX XXXX XXXXXXXX XXXX CA this is correct the card we now know was duplicated and used after the hacking and texts messages sent
Consumer complaint received 2023-09-28
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. (NJ)

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.

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 2022-09-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Offices of Hayt, Hayt & Landau, LLC (NJ)

XX/XX/2022, a debt collector firm " XXXX XXXX XXXX XXXX XXXX '' sent me without my prior consent a XXXX letter stating, I owed a debt and used false, deceptive, misleading representation and implications that the communication was from an attorney. They are attempting to collect an alleged debt that was charged off on false claims of on behalf of another company. Also they now violated 15 U.S. Code 1692i ( b ) as they have filed legal actions against me as debt collectors on XX/XX/2022 without no authorization from me
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (GA)

I received a Marriott XXXX credit card in the mail. I did not apply for this card. I also received an alert from Chase.com letting me know that JPMCB card services completed an inquiry on my account without my consent. They then approved the card application for XXXX XXXX. This is a former name, married name. I am divorced. I currently use the name XXXX XXXX or XXXX XXXX XXXX. 

I have placed a freeze and fraud alert with all credit reporting agencies. I have also removed the names XXXX XXXX and XXXX XXXX XXXX from my alias list with all three credit reporting agencies.
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXXXXXX, 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 an 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 2018-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

On Wednesday, XX/XX/XXXX I called Chas, my XXXX XXXX Visa Credit Card provider, and asked how to make a claim under their purchase protection benefit. On XX/XX/XXXX, I purchased three high school textbooks for my XXXX year old daughter because she transferred to a new school. All three books were damaged when a water bottle in her backpack broke. The Chase representative assured me the textbooks would be covered and instructed me to file a claim at XXXX. I immediately went to the website and filed the claim, including uploading all of the requested paperwork which included a copy of my credit card statement, copies of the three receipts and photographic evidence of the damage. The website even had " books '' as one of the catagories I could list as the type of item they cover and that I could make a claim on. After following up repeatedly on my claim since the insurance provider failed to " review my information and contact me within 5 business days to outline the next steps of the process, '' as outlined in an email I received acknowledging my claim submission, I called to complain. The representative said claims are not looked at by an examiner " for eight to ten days '' and then it would take " two days to actually review the claim. '' I responded that this information was contradictory to the information provided in writing in the email XXXX sent to me, and she said that she is not an adjuster and that is how it works. I then asked to speak with an adjuster and she agreed to connect me to one. I was then put on hold and when she returned, she said my file had " just been updated while I was on hold and that the claim was being denied because textbooks have finite lives and are undergo revision after courses end. '' I explained that my daughter 's course had not ended and that I was told specifically by Chase that my textbook purchases would be covered and was again told they were refusing my claim. '' By the time the call ended I received an email stating that my claim status had been updated and was being denied. I find this completely outrageous and borderline fraudulent.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

A company that XXXX XXXX out of state received a bank check from JP Morgan chase in XXXX XXXX XXXX ( copy of the check attached ). I took a copy of the check to a Chase branch and asked them to re-issue in XXXX. Now we are almost in XXXX and the check hasn't been re-issued. I asked JP Morgan to put me in touch with the executive office and they have not obliged.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2. It states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a 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
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (VA)

I wrote letters to XXXX, Experian, and XXXX. I wanted to dispute the account reporting on my report on the grounds that they do not have the an original copy of the agreement with my signature on it. They sent letters back saying that they did an investigation but never provided original documentation of the agreement. I asked for names of the individuals who were doing the investigation. I have never received and names. I took the time to write and send letters that were notarized with a copy of my identification and SSN. I sent the first letter on XX/XX/2022 the second letter on XX/XX/2022 the third XX/XX/2022 the last letter XX/XX/2022. it cost me {$38.00} everytime to send four sets of letters that were notarized.
Consumer complaint received 2023-06-05
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. (CA)

XXXX filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NJ)

I have been charged a {$15.00} service fee in a savings account for over a year. I had NO IDEA I was being charged this fee. I contacted the TD BANK at XXXX XXXX XXXX XXXX XXXX NJ XXXX and spoke with XXXX, a Manager there. I explained that I am on social security and had no idea that any savings account would have ANY service fee let alone a {$15.00} per month one. That I wished to have these fees returned to me. She was not helpful or customer friendly at all. In fact I would say she was condescending toward me. She dredged up that when I opened the account a year ago I knew what type of account I was opening, etc., arguing with me. SIDE NOTE I moved to the area a year ago and received a post card from TD saying open a savings and checking account at TD and get a bonus. I did so and when it was time for the bonus to be given I had to argue with this same manager to receive it. Todays issue She then said they would give me half of the fees back {$60.00} vs {$120.00} ). I agreed to this and asked her if now my accounts would both be straight and that I will not be charged in the future? She really did not know, then proceeds to ask my age ( XXXX ). She then informs me that when I turned XXXX ( XX/XX/2020 ) my accounts should have automatically switched to a no fee account. That did not happen. I also had to argue with this bank three weeks ago along the same lines with my checking account as they were charging me {$25.00} in fees. I feel as though I have been unfairly and deceptively steered into products with hidden fees of which I knew nothing about. I do not appreciate this managers poor customer service or the way she spoke to me. I would like all the fees returned to me. She wasnt completely unprofessional in her manner in speaking to and arguing with a customer. Here are my account numbers : checking XXXX savings XXXX XXXX XXXX. XXXX
Consumer complaint received 2021-01-07
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. (FL)

I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

Discover Credit Card Ending in # XXXX I am writing to bring to your attention certain provisions under the United States Code, specifically under XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) ( B ), which govern the treatment of payments on credit card accounts under open-end consumer credit arrangements and the issuance of XXXX forms for charged off accounts. 

Firstly, under XXXX XXXX XXXX, a creditor is prohibited from treating a payment on a credit card account as late for any purpose. As such, I request that my account status and payment history be updated to reflect Paid as Agreed and to remove all negative inquiries and late payments immediately. 

Secondly, under XXXX XXXX XXXX ( XXXX ) ( B ), I have not received a XXXX form for the charged off accounts in question. Failure to provide this form is a violation of federal law and constitutes fraudulent activity on the part of the creditor. Therefore, I request that the charged off accounts be updated to Paid as Agreed and any negative items associated with these accounts be removed immediately. 

It is imperative that my credit report accurately reflects the lawful status of my accounts and the payments I have made. I trust that you will take prompt action to rectify these matters and update my credit report accordingly.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TN)

I canceled my Citi Premier credit card account. Citi 's stated policy is to refund the annual fee if the card is cancelled within 37 days of posting the fee to the account. My fee posted XX/XX/XXXX, and I cancelled the card on XX/XX/XXXX. 

I was advised when cancelling that I did not need to pay for the fee, as they would be posting a credit to bring the ending balance to {$0.00}. I subsequently began getting automated calls from Citi stating my balance was past due. 

I called and spoke to a customer service representative, who could not tell me when my credit would post and could not confirm whether my past due balance would be reported to credit bureaus. 

I paid the {$95.00} on XX/XX/XXXX to reduce the risk of this getting flagged on my credit report. Customer service told me that a credit would be posted and then refunded to my bank account or sent via check. 

I have still not received any credit to my Citi account, let alone received the money back. They can not tell me when I should expect it. Now over two months since cancelling the card.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-19
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. (AZ)

This is my sixth attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. These accounts are unknown to me. Also, I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX XXXX Owed : {$3000.00}
Consumer complaint received 2022-10-19
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. (AZ)

This is my sixth attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. These accounts are unknown to me. Also, I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX  XXXX Balance Owed : {$3000.00}
Consumer complaint received 2022-09-20
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-10-19
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. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.