davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MD)

I applied for a Chase Slate Visa Platinum account and on XX/XX/2021, I received a denial which I believe is unjust and based on discrimination. I had received numerous pre-screened credit applications from Chase and find it incredible that they would send me as many as five applications then when I apply, deny me the credit card account. I find Chase 's explanation and rationale for denial suspect, given Chase provides no specifics. Chase 's documented Key Factors are general and inaccurate statements to hide your discriminatory intent in my opinion given my credit rating is XXXX and my salary is approximately $ XXXX. Below is my response to Chase 's Key Factors that they use to justify the denial. The reference number from Chase is XXXX. 

Point 1 : My credit rating of XXXX out of XXXX. Why is this score inadequate, please clarify? 
Point 2 : I have made no more than two ( 2 ) other requests for credit in the last 12 months and/or sanctioned or approved no more than two ( 2 ) credit inquires in the last 12 months besides Chase. One was to determine the viability of a potential refinance of my propertys mortgage. Please define why those two are excessive? Define your standard for approval. It seems that Chase is suggesting that the Soft Inquires, that I know nothing about and have never sanctioned is the reason for the assessment, which is not appropriate.

Point 3 : Chase states that I have too many accounts with balances. According to XXXX, I have thirteen ( 13 ) open accounts. Less than fifty percent, six ( 6 ) of those accounts have balances, which includes a mortgage and car note. Define your standard for open balances and does it include mortgages and car notes? What does too many mean? 
Point 4 : I believe the Chase ( Lending Services ) assessment of my credit usage is a blatant misrepresentation. As of XX/XX/2021, I estimate that I have $ XXXX of available credit card credit. I have used no more than {$4000.00} of that available credit. Do the math, thats 2 to 2.5 %. What does Chase calculate my credit usage to be? 
Point 5 : Please explain what you mean by my proportion of loan balances to loan amount is too high because by any measure that is not accurate. 
- with respect to the XXXX XXXX Mortgage It was refinanced within 12 months so the proportion of the loan balance to loan amount is high, notwithstanding the $ XXXX equity in the property. 
-wrt XXXX XXXX XXXX XXXX the balance is less than 50 % of the XXXX amount. 
-wrt the XXXX XXXX XXXX The balance is less than 25 % of the Loan amount. 
-There are no credit cards where my proportion of loan balances to loan amount is above 10 %. Most are XXXX. Therefore, I would like a specific detailed rationale and explanation on why I was denied and am not worthy of the Chase Slate Visa Platinum account and an explanation on why I was sent the applications and why the applications did not expressly say the criterion for approval for the card. 

XXXX XXXX
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DISCOVER BANK (AR)

XX/XX/XXXX I was contacted by rep from XXXX XXXX XXXX XXXX in response to online inquiry for cross country moving services. I was given a quote and went over details with rep as to dates and what was to be moved. I called back later to finalize and make the first of three installments ; a customer payment is what was told to me and labeled on contract of the amount of {$570.00}. 
I made this payment by what I assumed would be a direct debit. XX/XX/XXXX I became aware that the company or rep I was dealing where not following threw with legitimacy of this move and or providing me reinsurance of dates contracted. 
A unamended driver and company called me on XX/XX/XXXX requesting different forms of payments for other two installments. On XX/XX/XXXX I wasn't able to get ahold of moving Rep I previously spoke with so I called Discover bank to report this. I then became aware that the payment came out of my account as a drafted check that had an image and wrong address printed on it. I raised my concern of this with discover bank rep on this call and promptly had them fully change my account numbers. I continued trying to get ahold of the withdrawing company of XXXX XXXX XXXX to address refund cancel accuracy of their company with no prevail and blockage of me being able to message them. From XXXX I called discover bank back several times to explain all circumstances. I asked for a charge back or help in reversing this illegitimate non receipt of service charge and every time and step of the way have without full explanation by them been told by discover bank that they can't do anything to refund me.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

There are a number of inquires on my credit report that I did not authorize or sign for. I need these inquires removed immediately as it is negatively impacting my credit score. 

XXXX XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX  Finance Reseller Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-04-09
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: EQUIFAX, INC. (GA)

Account XXXX is inaccurately reporting on my credit profiles associated with my social security number and are in violation of my consumer rights per the following : Based on the provided credit report, there are several inconsistencies that can be found among the credit bureaus. These include : Account XXXX - XXXX : XXXX and XXXX reported the account as a credit card, while Equifax did not specify the account type. 

Account Status : XXXX reported the account as open, while XXXX reported it as derogatory. 

Balance : XXXX reported a balance of {$260.00}, while XXXX and Equifax reported a {$0.00} balance. 

Credit Limit : XXXX and XXXX reported a credit limit of {$300.00}, while Equifax did not specify a credit limit. 

Payment Status : XXXX reported the account as late 30 days, while XXXX did not have any information on payment status. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ). Specifically : Section 607 ( b ) requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information in a consumer 's credit report. The inconsistencies in the account type and balance are a result of inaccurate reporting. 

Section 623 ( a ) ( 2 ) requires that if a consumer disputes the completeness or accuracy of any item of information in their credit report, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The fact that the consumer disputes the account and has no knowledge of it suggests that a reinvestigation should have been conducted to resolve the dispute. 

Section 623 ( a ) ( 5 ) requires that if a consumer disputes the accuracy of any information in their credit report, and the dispute is resolved in favor of the consumer, the consumer reporting agency must promptly delete or modify the inaccurate information. If the reinvestigation reveals that any of the reported information is inaccurate, the credit bureaus should delete or modify the information as required by law. 

In summary, the credit report shows several inconsistencies that violate FCRA sections 607 ( b ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ).
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NM)

A fraudulent account was opened at Wells Fargo bank under my name. I received a letter on XX/XX/2022 stating : we have completed our review of your identity theft claim, and determined that you have no financial liability for the bank account number ending in XXXX. We have confirmed that you did not open or have any knowledge of the accounts with Wells Fargo. 
This letter from Wells Fargo is titled " Claims Assistance Center, online fraud claims '' I sent a certified letter to Wells Fargo on XX/XX/2022 stating that I'm a victim of identity theft and asked that Wells Fargo : -close the account immediately -take all appropriate steps to remove information about this account from my credit files -send me copies of all the documents, including but not limited to applications and other business records, relating to fraud transactions made or accounts opened using my personal information. 
I asked Wells Fargo to send me a letter explaining their findings and actions. 
I have not received a letter from Wells Fargo yet.
Consumer complaint received 2019-07-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (TN)

Spoke to the with payment arrangement XX/XX/XXXX at XXXX XXXX. The calls have been nonstop since that day using various numbers from different states. Today I had 4 by XXXX. I told them that payment arrangement was already made and they had no right to call me nonstop. I have them logged in my cell but it's alot of calls and can't write them all on here due to disability. I probably have 20+ calls from them since the XXXX. I tod them I will sue them for harrassment. I'm fed up. The bill is around {$1000.00}.
Consumer complaint received 2019-07-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Credit Lending Services Inc. (WA)

Loan was open in mid 2018. We lived in XXXX. I moved to the state of XXXX. I have been trying to get them to fax over a copy of title to the vehicle licensing of XXXX. My registration expired months ago. We have requested for them to do so. stating that a title from XXXX can not be changed to XXXX. I do not live in XXXX and I need my car title to register my car now.
Consumer complaint received 2022-04-26
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. (LA)

I, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX and there is no third party involved. I have sent out a letter to XXXX XXXX mailed certified dating XX/XX/XXXX. XXXX XXXXXXXX is in violation in regards to the information being furnished on my consumer report. I, the consumer, never gave XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following fraudulent inquiries from XXXXXXXX XXXXXXXX and XXXX XXXX XXXX  XXXX. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. XXXX. XXXX  XXXX : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be remove from my consumer report within XXXX ( XXXX ) DAYS! If my demands are not met, I will hold XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( XXXX ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXX XXXXXXXX.
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Solutions Group, LLC (FL)

We had a new gate installed and had a contract with XXXX XXXX and somewhere between the signing of the contract with XXXX XXXX, XXXX XXXX XXXX took over the contract. Once done, we had a lot of issues that had not been fixed so we had to call in another company to finish the work to get our gate operating properly. This was in XX/XX/XXXX and once we stopped calling them to fix our gate, we never heard anything back from them. Beginning XX/XX/XXXX we started getting calls from XXXX XXXX with Recovery Solutions Group , LLC. Once the first call was received, I told her that our manager, XXXX XXXX, was out of the country and was supposed to be back on the XXXX, he could do some research on the matter and get back with her. She advised me to get in touch with him ASAP so he could respond to her. She then sent an email to XXXX XXXX and myself advising us to get this resolved or they would be taking more measures to collect the money. Mr . XXXX did not return to work until XX/XX/XXXX and could not get in touch with her since he was out of the country. During that time we received 7 calls and numerous emails from XXXX and during our conversations she was rude and threatening and at one point I hung up on her. On XX/XX/XXXX she even called Mr . XXXX on his personal cell which has nothing to do with work or work related. Even after we told her we were looking into it and that we had never received any further communication with Florida XXXX XXXX, she was not willing to give us time to do research to resolve the issue. After doing our research, we did find that the tags for the gate was received and a check was never issued, so on XX/XX/XXXX a check was written and sent to XXXX XXXX XXXX. Once the check was written, we did not respond to XXXX 's calls.
Consumer complaint received 2023-04-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (PA)

- I got in New American funding to process a loan for my investment property. The conversation was going fine and we signed a loan disclosure and began a loan process with them. We were shopping around for better rates and were very clear from the start. Once we gave them a chance to match another offer. The second time we got a better loan offer, we were clear with our loan officer and let him know to keep things on hold till we were shopping around. Yet he went ahead and scheduled an appraisal report, which we did not pay for.

The next two days we got continual pay requests from XXXX XXXX XXXX. I replied to the email letting them know to put things on hold, and also gave them a call and let them know we were considering other offers. The phone lady said she would put a note in our file. The next morning they went and did the appraisal without our permission or payment. 

Then they emailed us and said we had to pay for the services rendered and the services were a part of the new American disclosures and we had to pay them. 

All of this happened when all parties were aware we were considering new offers. Now, the new lending company, maybe unable to use the appraisal transfer and we will have to pay for the appraisal again. The appraisal fee was XXXX dollars. 

All parties were aware we have never owned a property before, and were unaware of such legally binding agreements. They were also fully aware that we hadnt consented to the appraisal, which we had conveyed to them through several means of communication.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I was working at XXXX XXXX XXXX doing a laundry reset. ( i did make a purchase there for XXXX ) My phone was charging in the car so I went to go get it and noticed I had several notifications from Chase asking if I made a purchase at a gas station for XXXX. I immediately said no I called them and replied to the email. Informing them that I did not make this transaction they cancelled my card and started a claim and credited the money back the following day. XX/XX/XXXX I recieved a letter saying that they deemed the transaction authorized. And that on XX/XX/XXXX they will take the funds back out of my account. I immediately called them and the rep told me that because I could have done it because I was in the vincity of that location. I told him that from where I was it was a good XXXX minutes away and that it wasn't me. I asked if I could send proof like pictures. He said say yes. So I did. I went back to the store took pictures and recorded myself in their computer of me working, it shows my in the laundry aisle working at the time the transaction happened. Their was no way to send the video so I sent pictures. Waited about a week and half to see if they recieved it, I even called about 3 times different days to see if they got it. After they recieved it I waited about a day and called them back, he said that it was declined again. I asked why he said because I had previous history with the merchant. I advise him that I rarely if ever go to that XXXX and I havent gotten gas from them in awhile, I spoke to someone higher and all she said was the claim was denied, their is nothing they can do. I refused to give up so I contacted XXXX XX/XX/XXXX to try and get this resolved he ( XXXX XXXX ) told me to give him a couple days I waited a week so I called back he then told me to file a police report becuSe he cant look at the cameras unless he has a report. So today XX/XX/XXXX I got one I sent it to him he then messages me back 20 minutes later saying that they don't have any footage and that XXXX is unable to assist. I have tried everything and anything and I dont feel like Chase is being fair, they didnt look up proof or even try they just looked at history ad was like no she csnt get her money back. I work to hard I have 3 jobs and this is a problem. I own a car it takes roughly about XXXX XXXX to fill up
Consumer complaint received 2022-01-31
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. (NJ)

The accounts below are reporting on my personal credit file with EQUIFAX. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-16
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. (MD)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-05-08
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. ()

I recently checked my credit report and to my surprise i saw many fraudulent medical collection accounts listed on my credit report. I also have been recieving calls from debt collectors about accounts that are not mine and i recieved notifications that ALL of my personal information has been exposed in several mass data breaches in the past ad current. This is extremely devastating and i request that all of the fraudulent information be removed immediately. My request is in line with the Fair Credit Reporting Act Section 605B and i have the power to exercise my rights.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

It is now approximately 2 months since my checking account was closed due in fact from Chase Bank failing me and my account being compromised. 
My account was frozen and closed with a balance of {$3000.00}. And received a letter that I should receive the balance in a check via mail. I come to find that I only received one check in the amount of {$1800.00}. After several weeks believing that perhaps I would receive another separate check. After contacting the bank regarding the remainder of the balance I come to find that the bank has placed the other check on hold in the amount of {$1200.00}. I have exhausted all attempts to retrieve my money. It is now 2 months! I will seek legal alternatives in this matter if I do not retrieve these funds.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$2300.00} MI XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$4200.00} US DEPT ED XXXX Balance : {$8000.00} US DEPT ED XXXX Balance : {$4200.00} US DEPT ED XXXX Balance XXXX {$1800.00} US DEPT ED XXXX Balance : {$1800.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$4200.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$8300.00} US DEPT ED XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$4900.00}