davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

{$2100.00} were wired out of my bank account without my knowledge. I have no idea who stole this from me but whoever it was, emptied my bank account and I was left with no money. My bank account Chase, did not do anything about this claim, they just closed it. I need to recover this back somehow.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

I was supposed to get ( two ) seperate direct deposits on XX/XX/ in the exaact same amount of {$130.00} each deposit for a total of {$270.00}. But I only recieved one direct deposit of {$130.00}. But when I contacted openforce which is the company that pays my financial institution which is chime, they said that both deposits were sent and they provided me with two seperate trace numbers and documents that show they sent it. They told me to contact chimes ACH DEPT and provide them those two numbers. And they were very communicative and professional with the situation the whole time. But chime had not been helpful at all they barely speak English and I was hung up on at least 7 times after about a week of explaining the situation to many of there employees and supervisors its like they got rid of me calling out something. I submitted documents of proof that they sent the deposits to XXXX and spoke to a supervisor for 1 hour and a half and for him to just quickly brush me off the phone. I am owed {$130.00} still from the XXXX XXXX XXXX which I still have not recieved
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (KY)

I applied for an XXXX XXXX  XXXX XXXX XXXX on XX/XX/2022 with account number ending in XXXX  assigned from XXXX XXXXXXXX XXXX. I received an email on XX/XX/2022 to welcome me as a new cardholder. I received a text message on XX/XX/2022 stating that my XXXX  XXXX XXXX credit request was approved and that the welcome package and card ( s ) would arrive within 14 days. On XX/XX/2022, I received an email stating that my credit card ending in XXXX was mailed on XX/XX/2022 and was on the way. I received the packet as stated and activated the card. At this point all is well. 

On XX/XX/2022, I received an email stating that my credit card application for an XXXX  XXXX XXXX card from XXXX XXXX  XXXX was approved and the credit card would arrive within 7-10 business days. I DID NOT apply for this card. On XX/XX/2022, I received an email stating that my credit card had shipped and would arrive in XXXX business days. I received the welcome packet and card on XX/XX/2022. I contacted XXXX XXXXXXXX XXXX to cancel the XXXX  XXXX XXXX card on XX/XX/2022. On this same day, I received an email stating that it was time to activate the card. The XXXX XXXX  XXXX representative XXXX XXXX XXXX stated that this card had been declined for several attempted transactions. 

On XX/XX/2022, I received an email stating that Chase had received a request for a credit card. Same day, I received an approval email stating that a welcome kit would arrive in the mail in XXXX to XXXX business days. I DID NOT apply for this card. On XX/XX/2022, I received an email stating that I had enrolled a card ending in XXXX online with paperless enrollment confirmation. AT THIS TIME, I HAD NOT RECEIVED THE CARD AND DIDN'T KNOW THE ACCOUNT NUMBER. I was out of town with a hold on my mail until XX/XX/2022. While out of town, I received an email on XX/XX/2022 stating that my XXXX of XXXX XXXX  had been upgraded. I had not requested a XXXX of XXXX account or credit card. I received an email on XX/XX/2022 welcoming me a as a XXXX of XXXX cardholder. I received TWO identical XXXX XXXXf XXXX welcome letters upon my return. I called Chase and cancelled this credit card on XX/XX/2022 On XX/XX/2022, I received an email notification that my request for an XXXX XXXX XXXX was not approved and a letter would be arriving with more details. ( As noted above, I already have this card which is where it seems the trouble started ).
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY (TX)

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section602 states i have the right to privacy.

15 USC 1681 section 604 a section 2 ; it also states a consumer reposting agency can not furnish a account without my written instruction.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-23
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: CCS Financial Services, Inc. (MA)

I am a XXXX customer with XXXX. I ordered a replacement tv box in XXXX of 2022. In the box with the replacement tv box was a cell phone. I called XXXX and they told me I couldn't return the phone to them because it had been more than 10 days ( was about XXXX weeks later that I called ). I told them the box had just been opened by XXXX and I had no idea a cell phone would be inside. I never ordered a cell phone! In fact, I told the rep who pitched a cell phone that I was locked into XXXX for 2 years, I don't even have XXXX cell service. 

I was then put in touch with the fraud dept but never got an XXXX number as requested. I also never heard back from them. I called back a couple months later and went through another hour+ on the phone and spoke to a fraud agent who said I would get a XXXX number and they would not report to my credit! A couple months and nothing! 

I also tried bringing the phone. still in the box, to the local XXXX store but they wouldn't take it back. Which I found strange because their website listed store dropoff as one of the ways to return items. 

I had multiple chats with the chat line at XXXX  to no avail. I eventually gave up and told the chat person to please lmk how to get the phone back to them. I couldn't go on wasting hours trying to resolve their mistake. 

Next thing I get a collection notice and a {$270.00} collection is reported to my credit. My credit score dropped from XXXX to XXXX! I'm PEEVED! I had just returned from house shopping in XXXX. Now I can't make an offer on any houses I was looking at!! 

Apparently this scam is prevalent at XXXX because multiple people are complaining of it on the XXXX chat forum. I assume an employee is making commissions on these bogus cell phone sales?!? But possible someone at XXXX just mixed my info with someone who actually wanted a cell phone. I pointed out to the fraud dept that the credit card info showing on this new cell phone bill under my XXXX account wasn't my credit card! 

PLEASE help, documentation included.
Consumer complaint received 2022-08-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I spoke with a representative regarding an incorrect public record reporting on my Transunion file. I also attempted to dispute unauthorized inquiries on my reporg and a supervisor in the XXXX XXXX Department, XXXX XXXX XXXX, flat oit refused to start an investigtion. He further stated that his supervisor would call me in XXXX business days and it has been more than XXXX month. That conversation took place on XX/XX/2022. 

A public record on my file belongs to an individual with a similar name of XXXX XXXX. XXXX nd XXXX both hve removed the listing buy, Transunion keeps stating it was verified, but refuse to provide with whom they spoke with and their method of verification. I personally spoke with someone at the courthouse named XXXX and she explained that they don't even accept calls or correaondences from the credit bureaus. Transunion continues to report false information. 

I have placed a fraud alert on my files, I have submitted a fraud affidavit and police report but Transunion continues to violate tjr FCRA by properly investigating, correcting and/or removing the information. There were also fraudulent inquiries from XXXX, XXXX and XXXX from XXXX XXXX. This is my last recourse as I have madr several unsuccessful attempts to rectify this issue. I have been called names, yelled at and talked over. When you're information is compromised and you make attempts to prevent more damage, I don't need to be called a liar. I just want the information removed. As previously stated the other bureaus had no issue doing so and ot took them less than XXXX hours.
Consumer complaint received 2022-11-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

In XX/XX/2022 I applied for a conventional 30-year fixed mortgage with Chase for the purchase of a new primary residence. I submitted the requested documentation on XX/XX/2022. 

For context, XXXX XXXX XXXX XXXX XXXX XXXX income is treated differently than traditional wages. I am paid a gross salary. Among other things, my taxable income is reduced by a designated housing allowance ( i.e., the housing allowance is not additional income but a reduction in my taxable income. It's a tax break permitted by the IRS ). 

I was pre-approved. Then, conditionally approved based on the condition that I provided a closing disclosure for the sale of our primary residence at the time. Unfortunately, the timing of the sale of our house and the purchase of a future home did not line up and we had to sell our existing home on XX/XX/2022 with a contract date on the home we were purchasing of XX/XX/2022. Several times throughout the underwriting process and just prior to the sale of our home I was told by Chase that everything looked good on the mortgage and we should be getting approval soon. I even offered to payoff some existing debts with the proceeds from the sale of our home to reduce our DTI ratio and was told that was not necessary, that everything looked good even carrying those debts. 

With being encouraged by Chase all along the way that approval was inevitable, we sold our house on XX/XX/XXXX and moved our family of XXXX ( me, my wife, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) into a bedroom at a friends house to live for the two weeks until settlement. On XX/XX/2022, out of nowhere, I was told by my loan processor ( by email ) the loan would likely be denied because Chase can not consider my housing allowance as income. Which I disagree with, but can understand. 

This is what I can not understand : I gave them all of the documentation they needed ( pay stubs, housing allowance worksheet, compensation agreement, etc. ) on XX/XX/2022. This issue should have been realized by their underwriting team well before XX/XX/2022, five days after I sold my house. It could have easily been identified as a problem by the end of XXXX and well before I sold my house. BUT I SOLD MY HOUSE. They led us on, telling us numerous times that we were headed to approval. Now my family has to back out of the contract with no where to go. 

My family is paying for the mistakes of Chase and their underwriting team. What happened is at best unethical and negligent.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Despite having credit freeze and fraud alert, Equifax placed 3 hard inquires on my account. They refused to conduct an investigation or even provide details on who made the inquires. Here is what they placed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/2022 XXXX - XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX
Consumer complaint received 2022-11-24
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

My mortgage is with XXXX. My homeowner 's insurance is not escrowed and we pay it ourselves. Each year, I upload the insurance documents to their website so that they see that I have paid for the whole year in full. Each year, they threaten me stating that they don't have the documents and that they will be purchasing homeowner 's insurance on my behalf and charging me. They did this again, even though I uploaded all of the documents they request. I uploaded them within 24 hours of the new policy taking effect because they would not allow me to upload them prior to that date ( XX/XX/2022 ). I've tried to call them, but they state it is not on their website, even though I can see it uploaded there. I've asked where else I can send the documents but they will not respond. I asked to speak with a manager but they said the manager would have to call back, but no response yet. I have full insurance coverage which was provided to them, but they are still threatening to charge me for insurance I don't need. They did the exact same thing last year- and I suspect this is fraud.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

According to, the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness. All three bureau 's I have asked for information showing proof of this bankruptcy they are reporting on my credit profile. 

I have sent letters to all three bureau 's from lexis nexis stating that they didn't release or report this inaccuracy to the three bureau 's. Now the three bureau 's have stated in there reports they received this information from lexis nexis. 

I have sent the three bureaus a letter from the bankruptcy courts showing they have never released any information regarding my name to anyone. 

All three are refusing to provide me information or proof that a bankruptcy belongs to me. 
It's not fair that these agency can still report inaccuracy on my report and cost me thousands of dollars. I wanted to complaint against the bureaus
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southern Management Systems Inc. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S code 1681e ( b ) and 15 U.s Code 1681i ( 5 ) this account is in severe violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? How is that I made no promise to make payments on this account and instead paid it through a settlement agreement and it has been reporting severely past due since 2017. This account, might I add was agreed to be deleted and was deleted only to be put back days later. This account/agency has misrepresented the date of status or last activity ( XXXX ) to re-age the account for any reason such 1. Attempting to modify the credit bureaus statue of limitations on reporting ( 7-10 ) 2. Attempting to modify my statues of limitations for a lawsuit 3. Attempting to increase score damage and coerce payment by making the debt appear newer in age Which are all violations of my rights. As a consumer, I request to know all steps your agency took to insure this item is 100 % accurate under 15 U.S.C & 1681i ( 7 ) Method of verification-Description of reinvestigation. Reporting act Account # XXXX
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of the accounts below are not accurate. the open date, date last active, and date of last payment is not 100 % accurate. 

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

i attached a consumer report as evidence.
Consumer complaint received 2022-11-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: RC Willey (UT)

RCWILLEY store credit card I have experienced numerous issues when attempting to make payments to RCWILLEY store credit card. It tells me that I have had " too many '' returned payments ( from my debit card/checking account ). This is absolutely incorrect! I did have an issue with fraudulent charges on my bank a few months ago, which caused my bank to temporarily freeze my account for a few days. Not knowing this happened, my regular RCWILLEY payment was scheduled, and happened to return during this time. After speaking with my bank and resolving the issue, I logged on to my RCWILLEY account and made another payment to my account. Ever since then, the RCWILLEY payment system gives me trouble and doesn't allow me to make payments from my checking account because I get that error about returned payments. Making payments through a checking account using a routing and account number is free on their site. Using a card ( debit card included ) makes you pay a 2.30 % convenience fee. Their system wants me to use a card and pay the fee each time. I have changed my bank account information, and tried to make a payment that way and it still won't allow me to. Thus causes me to get assessed late fees because they refuse to accept my payments. Today I finally got fed up and tried to pay off the account balance in full in the amount of {$1400.00} just to be done with RCWILLEY and their system is making me pay a 2.30 % convenience fee. That is almost a {$33.00} fee just to make my payment. Their system is telling me that is order for XXXX me to not have to pay a fee, I have to use my checking account ( which they reduae to accept ) or I have to go into their store in person to make the payment. I shouldn't have to drive XXXX minutes each direction just to make a payment. This is absolutely shady business practices, and I am now feeling like this is what this company does to get money out of people. My payment is due on XX/XX/2022, and now I am going to be assessed more intrest because they won't take my payment. I have written them several emails about these issues, and no one in this company cares enough to actually respond. No one has contacted me in attempts to help resolve this matter.
Consumer complaint received 2022-08-17
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-11-23
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. (NY)

In accordance with the fair credit reporting act XXXX  XXXX account # XXXX, account # XXXX, has violated my rights. 

15 usc 1681 section 602 states that i have a rights to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-24
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. (SC)

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.