davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Hello, my name is and this is for a claim back around XX/XX/XXXX. I purchased several pieces of furniture at a store about an hour away from my house in XXXX, Mississippi, at a place called the XXXX XXXX XXXX  This place is run by criminal employees and criminal managers who are XXXX  and apparently this case is being treated just the same. They employ people who are XXXX  at the state even the managers. I have been trying for XXXX months now to get funds back on a purchase that I made, which was never given to me. I've been promised several times by Chase that they would handle it as it is UNreceived merchandise THAT HAS BEEN RESOLD. I have asked several times and even had an excutive who was less than thorough giving only about XXXX minutes of her attention a week and after several times explaining how the store kept being closed that the movers i paid on the days they told me they would be open, still had to be paid even thiugh the store was closed several weeks I pleaded for someone to return my call several times to no avail. NOBODY called me back. 
Between this and the several banking issues I had the month prior I feel though as this is a personal attack especially after the denial on my purchase to the same places i use on a regular basis, the rejected transactions from bank deposits that should have occurred, The strange UNKNOWN changes in my address on file that after I Had this fixed then caused another problem. And dont even get me started on the card cutoffs all of the sudden month and last few month before. 
I feel this should all have been handled better and that I shouldnt have been lied to when they said they would handle this properly, as I am out of {$400.00} and change thanks to a Great deal of negligence and strange back room talk and messages that were put on file for others like Dont help this customer with anything or talk to the customer or help them have them only talk with XXXX at chase corporate the excutive officer not the front desk lady. 

Its just an assumption but I got the feeling she did not want people knowing and was dragging this simple debit claim out intentionally, which is UNRECIEVED MERCHANDISE. Here is to still having hope some one will hear my cry after 4 months as {$400.00} is alot and money is very tight since covid. 
Please feel free to reach out to me at my business number. I will try to be readily available to reciever your call
Consumer complaint received 2024-01-16
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. (WI)

I've recently disputed account # XXXX XXXX XXXX. I've recently mailed my identity theft report and my police report to all three credit bureaus. Experian, XXXX and XXXX. They have the documentation to support that this account is fraudulent and needs to be removed immediately. I will be uploading those same documents to this platform.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XXXX XXXX I deposited my lottery check for XXXX from ca lottery in XXXX to my Citibank account on XXXX. I was told it would be ready the next day. It was not. I called the bank and they said my account is frozen. I contacted the fraud department and they said my check is invalid and they will not cash it. I asked for my check back or my cash and was denied my check or my funds.
Consumer complaint received 2024-01-16
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. (PA)

Formal Dispute of Closed/Charge Off Accounts and Request for Correction Credit Reporting Agengy I trust this correspondence finds you well. I am writing to formally dispute the inclusion of certain closed/charge off accounts on my credit reports with each of the three major credit reporting agencies : XXXX, Experian, and XXXX. 

Upon a meticulous review of my credit reports, I have identified closed/charge off accounts from the following institutions : XXXX XXXX XXXX XXXX XXXX {$3600.00} ) XXXX XXXX ( {$1200.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX ( {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX It is important to note that closed/charge off accounts are considered certificates of indebtedness and their associated income. According to established consumer protection statutes, particularly 15 U.S. Code 6802 and 12 CFR 1016.7, income derived from these closed/charge off accounts can not be reported on credit reports. 

Furthermore, Title 5 U.S. Code 552a, commonly known as the Privacy Act, reinforces the protection of individuals ' personal information held by federal agencies. An " agency '' in this context refers to any executive department, military department, government corporation, government-controlled corporation, or other establishment in the executive branch of the federal government. This includes the right to ensure the accuracy, relevance, and completeness of records held by these agencies, particularly as they pertain to credit reporting. The Privacy Act underscores the importance of maintaining precise and fair information, giving individuals the authority to dispute and rectify any inaccuracies in their records. 

Additionally, according to 5 U.S. Code 552a ( b ), Conditions of Disclosure, no agency shall disclose any record contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be Enclosed with this letter are supporting documents relevant to the aforementioned closed/charge off accounts, including my Federal Trade Commission ( FTC ) report. I appreciate your prompt attention to this matter and kindly request that you conduct a thorough investigation, ensuring compliance with the Privacy Act and other applicable regulations, and notify me of the results in writing please remove. 



Sincerely,
Consumer complaint received 2024-01-16
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. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX  XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXXXXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-16
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. (CT)

I recently became aware that unauthorized accounts XXXX XXXX, XXXX XXXX XXXX was open on XX/XX/2023, the balance is {$340.00}, XXXX {$340.00}. Addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX, NY XXXX, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NJ)

These inquiries below are fraudulent and dose not belong to me I did not authorize anyone to pull My credit for any credit application XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (FL)

My daughter sent me a referral to sign up for Chase Bank there was a sign up bonus for {$100.00} all I had to do was open up a checking account and do XXXX debit transactions and when my daughter signed me up she received the money for signing me up and she also received the money for opening the checking account I never received the bonus when I opened the account I showed them the paper or the referral with the coupon code and the terms of it and they told me that it was not right but I had in black and white clear term saying that if I sign up through this referral I will receive a hundred bucks and my referee would also receive cash they told me I had to set up direct deposit when the statement clearly says 10 debit transactions I did it in the right time frame I did everything right and they refuse to give it to me and this was my first opened it months ago I want my bonus and I feel I should be compensated for having to wait so long and being called a liar I feel I basically had my patience provoked and my intelligence questioned.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

i made numerous attempts to dispute and i requested inaccurate inquiries and outdated information on my credit file.i understand that the fcra protects consumers from abusive tactics to report information on credit reports. Experian is in violation of numerous consumer law violations such as 15 usc 1681b, c, and G.
Consumer complaint received 2024-01-16
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. (CA)

In accordance with the Fair Credit Reporting Act. The account with XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 16811 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 16815-2 ( 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 2021-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for months but i just remember i could file a report on here as i feel as their not doing their job properly and it is affecting me a great deal as i used Paypal quite frequently. My email linked to my Paypal is XXXX XXXX
Consumer complaint received 2024-01-16
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. (FL)

Subject : Addressing Late Payments and Violation of Consumer Credit Law Dear [ Recipient 's Name ], I hope this letter finds you well. My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I am writing to bring to your attention a matter regarding late payments on my account ( Account number : XXXX ) with XXXX XXXX. According to my understanding of the United States Code Law, specifically 15 U.S. Code 1605, there should not be any late payments if a finance charge was involved. The finance charge is defined as the sum of all charges related to a consumer credit transaction. 

The law specifies that the finance charge includes various charges such as interest, service or carrying charges, loan fees, investigation fees, and more. In essence, the finance charge covers all fees directly or indirectly payable by the person to whom credit is extended. 

Considering this, I believe that the late payments on my account, dated XX/XX/XXXX and XX/XX/XXXX, should not have occurred if a finance charge was involved. As per 15 USC 1605 ( a ), I request that these late payments be removed from my consumer report. 

As a consumer, I am aware that accounts mentioned in this letter must be updated to " paid as agreed '' immediately under the law. Failure to do so may lead me to seek monetary damages for the violation of my rights under 15 USC 1605 ( a ) in small claims court in my city and state. I am prepared to take legal action under 15 USC 1681n civil liability. 

Furthermore, I have already submitted this matter to the Complaint portals of the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

I appreciate your prompt attention to this matter and expect the necessary actions to be taken promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite some of these accounts were already being removed from XXXX and XXXX on XX/XX/XXXX & XX/XX/XXXX of XXXX, I still keep seeing these under other credit bureaus ' record. 

This made me questioned their accuracy because first of all, they should only be referring these information from one furnisher of information, but why do they have different resolution? No verification procedures were also shown to me. 

Therefore, I needed them to please remove these incorrect and misleading accounts from my credit history to avoid affecting my scores.
Consumer complaint received 2024-01-16
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. (IL)

I am writing to formally bring to your attention a critical matter related to my consumer rights under the provisions of 15 U.S. Code 1681c-2. On XXXX XXXX, 2023, I submitted a request to investigate inaccurate accounts on my credit report. Unfortunately, it has been over 45 days since I sent my inquiry, and I have not yet received a response. 
It has come to my attention that the consumer reporting agency involved has failed to comply with the statutory requirement to block the reporting of information resulting from alleged identity theft within the stipulated time frame of 4 business days. As of today, 30 days have passed since my initial request for the removal of these items, and I am deeply concerned about this violation of federal law. 
As a victim of identity theft, I have taken the necessary steps to dispute and rectify the fraudulent accounts on my credit report. However, despite the clear legal obligation imposed by 15 U.S. Code 1681c-2, the consumer reporting agency has not acted promptly to delete this information from my file. This situation is causing me significant distress and threatens my financial well-being. 
Additionally, I want to emphasize that I have never provided written consent to any consumer reporting agency to report the disputed items on my consumer report. This is a direct violation of my rights as a federally protected consumer. Identity theft itself constitutes a lack of consent, and it is imperative that these accounts be removed immediately. 
Under 15 U.S. Code 1681b, consumer reporting agencies are permitted to furnish consumer reports only under specific circumstances, none of which apply in my case as I never granted written consent for the inclusion of these accounts in my report. 
I kindly request that you treat this matter with the urgency it deserves, as it directly affects my rights and financial stability as a consumer. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this situation. 
Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to this issue.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My XXXX account was sold to another company and XXXX never reported anything late but the new company took over and have 3 late payments under there account and i wasn't with them during that time i called them and they say they didn't do it but XXXX never reported late payments i call the new company and was told to file a dispute with all 3 credit it bureaus to get the late payments removed. New company is XXXX XXXX XXXX
Consumer complaint received 2021-11-27
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 have continuously tried to resolve this with experian credit services they choose to keep reporting after XXXX  days reporting incorrect information this XXXX  account has never been paid late. All the other credit bureaus are reporting this correctly paid on time.
Consumer complaint received 2018-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I previously disputed items which you verified as accurate. However I asked in writing XX/XX/2017 to please provide me with your method of verification, I asked for the following information in accordance with the FCRA. 
1. copies of any documents you used to make your decision, including electronic correspondence of all types.

2. A copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information received from that data.

3. the name and job title and contact information of the individuals you contacted at the data furnisher.

4.the name and job title and contact information of all employees within the organization that played a part in handling the dispute.

you have failed to provide valid information and method of verification and I ask that you delete these tradelines immediately
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Subject : Dispute and Request for Resolution Regarding Unauthorized Credit Reporting Dear XXXX XXXX XXXX XXXX, I am writing to address a serious matter concerning the unauthorized reporting of an item on my credit report, which appears to be in violation of both federal and Alabama state laws, particularly those pertaining to consumer consent. 

I want to emphasize that, even in the event of a permissible purpose, the consumers consent is indispensable. I explicitly deny providing consent for the reporting of the mentioned item, making the unauthorized reporting a breach of my privacy rights and constituting identity fraud, as stipulated in 15 USC 1681a ( 2 ) ( A ) ( I ). 

Alabama Code Section 8-6-19 reinforces the requirement for explicit consumer consent, making any unauthorized reporting a violation of state law. Furthermore, 15 USC 1681s-2 ( a ) ( 1 ) ( A ) imposes a duty on furnishers of information to ensure the accuracy of the information provided to credit reporting agencies and requires obtaining consumer consent.

Additionally, I have not received proper debt validation, indicating potential bad business practices. According to Alabama Code Section 8-8-17, proper debt validation is a requirement, and the absence of such validation constitutes a violation of my rights under state law. This aligns with 15 USC 1681g ( a ) ( 1 ), which mandates that consumers have the right to request and receive validation of debts and provides that the consumers consent is required for certain disclosures. 

Upon careful examination of my credit report, I discovered discrepancies in the amount owed across all three major credit bureaus, leading to a misrepresentation of the debt. Alabama Code Section 8-8-18 addresses misrepresentations of this nature, and 15 USC 1681i ( a ) reinforces the consumers right to dispute inaccurate information, ensuring that any corrections made are with the consumers consent. 

I urgently request the immediate removal of this unauthorized and unverifiable item from my credit report, as it is adversely affecting my creditworthiness. The lack of my consent for the presence of this item makes it unverifiable, and its continued presence tarnishes my credit. I expect this matter to be resolved promptly to mitigate any further damage to my credit standing. 

I anticipate your prompt attention to this matter and request a detailed response outlining the steps taken to remove the unauthorized item from my credit report.