davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (MI)

I rented a condo in XXXX XXXX, Michigan XX/XX/XXXX - XX/XX/XXXX. COVID hit and Michigan went on lockdown on XX/XX/XXXX. I tried contacting the owner ( per XXXX XXXX guidelines ) on  XX/XX/XXXX to cancel this reservation. I called the number listed by XXXX for the owner ( XXXX ) XXXX and talked to XXXX XXXX. I told her that due to COVID I needed to cancel. She replied, let me look into it and call you back. I said ok, do you need my name and phone number? To which she replied " no, I have it on caller ID. '' She never called me so I decided to try and text her so I had some sort of record showing that I tried again to reach out. Being that we both have XXXX XXXX, I can see that she read the message but never replied. So at that point I started a dispute with Chase Bank. I processed the dispute via their app on my cell phone. Today ( XX/XX/XXXX ) at XXXX I received a reply from Chase Bank stating that they deemed the charge valid. I was unaware that because I processed the dispute via their app, that they would never ask me for my supporting documentation. So I called them this morning at XXXX, waited about 20 minutes to finally get connected with a rep named XXXX . She told me that there's no way to respond to the letter that I received via email and that I would have to mail or fax documentation. I then asked for a supervisor. She put me on hold and then hung up on me. So I called back. I then spoke with a representative by the name of XXXX. I went back through my story and he said that he would email me the instructions for re-opening the dispute but that it could take 9 days to get the email I told him I was considering opening a complaint with the CFPB as well and he stated he would recommend that I do that in addition to re-opening the dispute with them. I have proof A ) that I tried to cancel as well as B ) that I was not even in the state to use the condo on XX/XX/XXXX. I find it very unfair to not adjust this credit since this COVID pandemic and the state of Michigan being on lock-down being out of my control. I'm attaching my XXXX cell phone bill and have highlighted when I called XXXX to cancel. I've also attached a copy of the text that I sent to XXXX showing that it was read and that she didn't respond. Lastly, I've attached the chat with XXXX showing that I tried to cancel with them and they told me I had to contact XXXX.
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (PR)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NC)

Loan Depot ( XXXX XXXX ) has denied my husband and myself a loan based on discrimination practices. When applying for the mortgage loan we received pre-approval and was instructed by our bank that is suppose to be experts on mortgages to proceed with a flexible rate, knowing flexible rates are not very favorable because your monthly payment can change without notice. My husband and myself agreed. Now time to proceed to underwriting and we are instructed because we are no longer approved. When asked why they state we do not have the income. However, working in the most secure industry in the United States, the lender gets to tell us we do not have the income? While we know several caucasians who have less income, less reserved assets approved and close on XXXX home with no issues. In addition, our caucasian associates have filed bankruptcy within the last 3 years and was still able to close on a XXXX loan with no problem with unstable income. More importantly XXXX XXXX denied to live in redline areas because underwriters are denying XXXX XXXX the opportunity to live in redline areas. However, if we apply for a home in a minority less developed area we are approved instantly. This basically telling XXXX XXXX you can only purchase in certain areas to be approved. This has discouraged several XXXX XXXX from becoming homeowners.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NC)

On XX/XX/2022 my husband received a call that appeared to be from XXXX XXXX  XXXX. The person on the line stated he was a representative from XXXX XXXX  XXXX and that someone had set up a XXXX account in his name in the amount of {$15000.00} and that he had XXXX minutes to rectify the issue by setting up a XXXX transfer in his name, my husband, to TD Bank. The person was real professional and very convincing. Since my husband was very busy, we had customer 's coming into our store plus our field techs returning he handed me the phone. Again, this person was very professional, giving out names of supervisors at XXXX XXXX XXXX, etc. I followed his instructions and did XXXX XXXX transfers from XXXX different accounts under our business name to an account at TD Bank under my husband 's name. Total amount of the transfers was {$12000.00}. This person kept reassuring me that this was legitimate through XXXX XXXXXXXX XXXX, caller ID on the phone said XXXX XXXXXXXX XXXX and we would receive the money back within a few hours. Transfers were made. 

Unfortunately, the money was gone from our accounts and there is no option to stop payment or cancel transaction. We filed a claim with XXXX XXXX XXXXXXXX and it was denied because they transferred the funds to TD Bank per our instructions. How was someone able to go to TD Bank and set up an account in my husband 's name with no identification. We also filed a police report with our County 's Sherrif Department. According to XXXX XXXXXXXX XXXX they forwarded our claim/complaint to TD Bank but we have not heard from them. 

The account at TD Bank where the money was transferred to was opened under the name of XXXX XXXX. Since the account at TD Bank was opened up fraudulently, we do not know the account number.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (PR)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

Macy 's opened a second credit account in my wife 's name without her consent. We already have an original credit card in her name which we received and accounted for many years ago. Both cards were issued by an entity called Department Stores National Bank. We only learned that there were two different credit card accounts because we received a telephone call for non-payment of a bill when we had paid the bill on the original account. Apparently they shipped her a card for the new account making it seem like she had received an " award '' for her prior shopping. In this manner they were able to collect interest for an overdue payment. On the back of the new card there is, in very fine print, a statement that says, " By use of this card, you agree to all the terms and conditions in effect at the time of use. '' To be clear, we never authorized the opening of a second credit account and consider this action to amount to a fraud. Upon contact from Macy 's on XX/XX/2023, we immediately cancelled the second account.
Consumer complaint received 2022-07-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2023-02-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Chime Financial Inc (TX)

I opened a chime account when the card was issued they sent the wrong routing and account information with the card I called them to find my check and they had no idea where it was when it was found and sent back to the social security office I went to the social security office to get it and the sent it back to chime no chime is refusing to put my money in my account I just want my money my children need food and medication I called chime customer support and they were so rude XXXX and XXXX  they refused to let me speak to a person who was there manager in the company this was on XXXX/XXXX/223
Consumer complaint received 2023-10-01
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)

My pocket book was stolen a while back and whomever stole my wallet had access to all of my personal information. My social security card, debit cards etc. I recently checked my credit report because I begin to receive offer letters to resolve lines of credit I never obtained. Please remove these fraudulent accounts from my credit report. The Federal trade commission is aware of these acts. I have a report from them.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

There are multiple addresses that are not exactly correct on my experian report. I sent a letter to experian with my id, ss card, and utility bill. Experian is refusing to delete incomplete and inaccurate information. They stated that I need to contact the creditors that are reporting the incorrect addresses but I currently have no business dealings with said companies. i want these addresses removed.
Consumer complaint received 2022-07-06
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. (TX)

ON XX/XX/2022 I SENT A LETTER TO EXPERIAN WITH THE TRACKING NUMBER XXXX RECEIVED ON XX/XX/2022 AND RECEIVED A SECOND LETTER ON XX/XX/2022 WITH THE TRACKING NUMBER XXXX. LISTED TO REMOVED THOSE CHARGE OFF OF MY CONSUMER REPORT. ACCORDING TO THE IRS A CANCEL DEBT MUST BE REPORTED TO THE IRS AND THE CONSUMER MUST SENT A FORM 1099-C TO THE CONSUMER. IRS DEFINES A A CANCEL DEBT AS A INCOME. AND A INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORT. 
HOWEVER YOU RECEIVED BOTH OF MY CERTIFIED LETTER AND SIGNED, YOU ARE STILL REPORTING IT TO MY CONSUMER REPORT, THIS CLEAR A VIOLATION AGAINST THE LAW. 

THIS IS HAVE HARM DAMAGED ME AND MY FAMILY. 

15 USC 1681q OBTAINING INFORMATION UNDER FALSE PRETENSES 18 USC 1028 FRAUD AND RELATED ACTIVITY IN CONNECTION WITH IDENTIFICATION DELETE ACCOUNT THOSE ACCOUNT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FAILURE TO RESPOND TO THIS FACTORY WILL FORCED ME TO TAKE LEGAL ACTION.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On XX/XX/2022 my wife  received notice that three wire transfers were being requested from our account and that the total of all three wires were approximately {$30000.00}. I immediately went to the bank where i have banked for XXXX years including my business accounts for XXXX XXXX XXXX and advised them that the wires were fraudulent. Two of the wires were not executed and were able to be cancelled. The third wire for {$9800.00} was executed. We advised that bank that at no time did we ever authorize these transactions. In fact as per Citibanks wire fraud prevention units decision regarding reimbursement to our account, they in fact confirmed this was a scam. With emphasis the day prior to the wire transfer My wife received a call from someone purporting to be from Citibank telling my wife that there was fraud on the account and in fact read to her items that were fraudulently made. They in fact already had her account info, social and date of birth. The citibank representatives from the fraud department which had to be accessed by phone and not directly at the bank were aggressive. The citibank representative stated Citibank never notifies by phone and implied it was our fault. Interestingly at Citibank online they indicate that suspicious activity may warrant a call by phone. ( citibank.comXXXXXXXX specifically states if we notice suspicious activity on your card we may contact you by phone, text or email to confirm you have authorized that purchase. I no way did this fraud have anything to do with us, rather the fraud was as a result of a successful scam resulting from information obtained from Citibank not us. Clearly this was a scam against citibank although it ultimately affected us. It is disgraceful and shocking that a bank whose systems were comprised have not returned this money to us. We have gone online and there is a wealth of information about Citibank Scams.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICA FIRST FEDERAL CREDIT UNION (AZ)

Credit Card with American Frist Credit Union taken out in my name with a {$10000.00} balance. They have spent {$8200.00}. 

They put in the application XX/XX/XXXX, and signed for it on the XXXX of XXXX. 


**The attached documents are the fraud documentation given by the bank to submit to the authorities**
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I reached out to the court because of a freeze they had placed on my XXXX checking account. The court administrator advised me that they had already reached out to XXXX and asked them to release the funds. They provided me a letter so that I can also go to the branch and asked them to release the funds. The branch administrator took a copy of the letter and faxed it to the department to release the funds as they could not do it at branch level and asked me to wait two days. I then called the department and asked them for a status and they claimed they did not have the letter and that I could not fax myself, therefore, I should ask the court to resend. I contacted XXXX XXXX at the court and she said she would call them directly. I again waited. I called the department again and they asked me to send a copy of the letter electronically which I did. I gave them time to research and still the funds have not been released. I again attempted on XX/XX/27 by calling them and they said they would look into it. It is now XXXX and the funds are still on hold, almost 3 weeks unnecessarily. This has caused me a burden and I was not able to pay my bills on time. I asked that they release my funds and for this inconvenience and are penalized twice for this inconsideration.
Consumer complaint received 2022-07-06
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: CBC Companies, Inc. (OH)

Placing a hard inquiry on my credit report without my knowledge. There are several hard inquiries on my report that I did not approve. 
Also a hard inquiry showed up on my report and I did not submit any report with the company
Consumer complaint received 2022-07-06
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. (PA)

I received a copy of my credit report with the intention of trying to improve my credit and take care of responsibilities and I noticed a few accounts that I wanted a little more explanation on. Im not saying that they are reporting right or wrong Im saying that I am not 100 % sure if they are. I also read something called a Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C Sec. 1681i ( a )? I heard if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 % right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30days to complete this investigation. Please investigate the following accounts and remove them if anything is missing and correct them, -XXXX XXXXXXXX account # XXXX Cancel Contract. Please provide the original contract or delete -XXXX XXXX XXXXXXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX XXXX XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX  XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

-Date of birth on all three credit bureaus 1989 with no month or date. Please Delete XXXX XXXX XXXX  account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

-XXXX account # ( no account number available ) Cancel Contract. Please provide the original contract or delete. 

XXXXXXXX XXXX  account # ( no account number available ) Cancel Contract. Please provide the original contract or delete. 

-XXXX XXXX account # XXXX ( Has NO LATE PAYMENTS ) Please Correct I demand the following accounts be verified or removed immediately. I also read where I can get the updated report after you investigate this form, the free Lawyer guy said. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (NC)

I attempted to use my XXXX credit card at XXXX on XX/XX/19 around XXXX. It was repeatedly declined, so I contacted customer service. The representative told me that my account had been suspended without notice prior to such action, or even the possibility of such action.