davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OR)

XX/XX/XXXX - Received a text from Chase Bank saying my account had been frauded and I replied YES. Received a call from Chase representative who walked me through how to get my recovered funds, which in turn frauded me out of XXXX through a XXXX feature on the online banking app I use. I had never used XXXX prior ever. I immediately called Chase and then drove to the local branch and reported this. I immediately went and filed a XXXX Police Report ( # XXXX ) As well as an FBI report and a FDIC report ( XXXX ). I have repeatedly called Chase and was just given a letter XX/XX/XXXX that they were not covering the fraudulent charges. A recent ( XX/XX/XXXX ) local news story ( XXXX XXXX : Here 's how to spot it and protect your money | XXXX ) showcased a XXXX XXXX XXXX whom had the SAME thing happen and Chase gave her XXXX back. How can the bank cherry pick who to give money to and who to not give money back to. I am XXXX and should have some protections and not be discriminated against because I am younger than this lady. Chase will not give me information on the receiving bank account and I have no way to recoup my money. I believe this IS and should be covered under Chase policy as well as Schedule XXXX of the XXXX. I tried to stop the transaction while in a " pending '' state and Chase could not stop it, which is not my fault. I contacted them within a minute of the fraud. I did everything a consumer should do to be able to get their money back.

1. How did the fraudulent text know I had a Chase bank account, what my phone number was and what my name was.

2. How did the fraudulent people know how much money I had in the bank to take XXXX. 
3. I believe Chase to be not only responsible but also hiding a data breach of some kind.
Consumer complaint received 2021-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/21 I checked my Bank of America checking/savings accounts and noticed a large sum of money missing. Upon further review, I found someone had gained access to my banking information, logged onto my account and transferred money from my Savings account to my Checking/Debit account. Next using XXXX, they transferred money to themselves in 10 separate transactions. An additional 2 transactions occurred via XXXX where they transferred more funds. A total of {$3900.00} was stolen from me. I reported this immediately to Bank of America and they froze my accounts so no further transactions could occur. They were able to interrupt 2 of the XXXX transactions that had not yet gone through, so {$880.00} was recovered and put back into my account bringing my total loss to {$3000.00}.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

My rights as a consumer have been violated. The companies below are in violation and the violations needs to be addressed. XXXX XXXX {$460.00}, XXXX XXXX- {$450.00}, XXXX. XXXX XXXX {$4000.00}, XXXX XXXX- {$260.00}, which is still showing a balance, monthly payment, past due, and the last date of payment is XX/XX/2016. the Statute of Limitations for the state of South Carolina is three years for a collection/charge off account. I have not received a 1099c for this debt. XXXXXXXX XXXX {$52.00}, is a HIPPA violation for third accounts placed for collection.. XXXXXXXX XXXX XXXX XXXX {$460.00}. XXXX XXXX XXXX {$700.00}. 15 USC 1681 ( a ) ( 4 ) - states that accounts for collection or charged to profit and loss which antedate the report by more than seven years. 15 USC 1681s-2 ( B ) ( i ) - states that the person has been notified by consumer at the address specified by the person for such notices, that specific information is inaccurate. 15 USC 1681b ( a ) ( c ) ( 2 ) - states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In the accordance with the written instructions of the consumer to whom it relates. 15 USC 1681a section 603d ( 1 ) the term " consumer report '' means any written or oral or other communication of any information by a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used to collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility ( 2 ) exclusion ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1692XXXX ( i ) states that the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692e ( 2 ) ( A ) states that the false representation of ( A ) the character, amount, or legal status of any debt is a violation. Transactions between the consumer and the person making the report, and utilizations are experiences and they are a violation..
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

For some reason this bureau keeps making changes to my address that weren't requested but can't seem to remove outdated info from my report timely. The following needs to be updated/removed as follows : 1. Some how my home address is now an address that is a prior address? How is that possible? I never gave permission to switch my addresses. The address you show as my current is not the current address & hasn't been for months. The other bureaus have it correct but this one just keeps messing up my address! Fix it! 
2. XXXX is NOT my employer! I haven't worked there in going on 4 yrs. Remove it immediately! 
3. XXXX # XXXX - remove the dispute comments from this record. I never disputed it, never asked you to do so, only to remove XXXX XXXX & XXXX outdated paid off student loans. Some how you translated this into a dispute with XXXX XXXX. I want that language completely removed from the record as I never authorized you to dispute it. I had no legitimate reason to dispute an accurate, current record. Correct it now. 
4. XXXX # XXXX - this account is outdated. The info is incorrect anyway & the record does not add any value to my score. Remove it. 
5. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3500.00} 6. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$6400.00} 7. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$530.00} 8. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$2200.00} 9. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$4500.00} 10. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3600.00} 11. US Dept of Ed # XXXX - paid off XX/XX/XXXX {$3300.00}
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX ACCOUNT # XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX  ACCOUNT # XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

While enlisted in the XXXX XXXX, I was aboard the XXXX XXXX XXXX from XXXX and went on XXXX and was not able to access my account to make a few payments on time. The highest delinquency period was 120 days. However, Ive been making my payments on time and maintaining a current status since.
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

On XX/XX/2022, I closed on the sale of my home and the full payoff amount was wired to my lender, Amerihome Mortgage. Receipt of the funds was confirmed by Amerihome Mortgage and my loan was completely repaid on XX/XX/2022. Amerihome Mortgage is holiding approximately {$2400.00} in my escrow account and they still have not returned the funds to me.
Consumer complaint received 2021-11-09
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. (CA)

Someone used my identity I have filed a police report. 

XXXX  XXXX XXXX XXXX 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 2022-02-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they arein violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-02-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they arein violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-01-09
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. (NY)

Dear Sir or Madam, I checked my personal credit report on XXXX XXXX which I had noticed from your company an unauthorized credit inquiry had been made for a new credit card without my permission or consent. The Date of this erroneous inquiry was made on XX/XX/2021. I will attach a screen shot of it on my file from my XXXX XXXX  account. I had called XXXX XXXX late in 2021 about this matter and was assured this would be handled as I do not have any new credit cards with them.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (TN)

XXXX sending this complaint to your company because theres multiple loans opened in my name without my authorization, permission or consent to obtain goods ( identity theft, fraud, error etc. ) LOAN XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. After contacting Affirm on my behalf, the following personal information on file to create Affirm account is XXXX XXXX as legal name, phone number is ( XXXX ) XXXX, email address is XXXX, and billing address is XXXX XXXX XXXX, XXXX TN XXXX XXXX. The personal information isnt mines and doesnt belong to me. Please read additional information attached.
Consumer complaint received 2022-08-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NC)

Denial of credit in contradiction of XXXX and XXXX credit scores, along with a failure to confirm receipt of current income levels and asset liquidation net proceeds. Lack of communication, underwriting incompetence/indifference and unprofessionalism also played a large role in my experience. TD Bank did not provide convenience or Legendary Service as they advertise.
Consumer complaint received 2022-08-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (IL)

During a pandemic or in XXXX I was never contacted thru the debt company or never had a letter from Midland Credit to confirm if the debt amount is true or correct. Fast forward to XXXX, I contacted midland credit and told them that this is the wrong amount and I never own that money. They started threatening me that you have to pay this $ $ or else we will come after your paycheck, etc HOW CAN I PAY WRONG AMOUNT?? This is a threat to the community and unethical practices.
Consumer complaint received 2022-01-09
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: Experian Information Solutions Inc. (OH)

XXXX didn't properly resolve my dispute. Identity theft is one of the largest crimes committed in the United States. The application document that was sent with their response contains an unknown address ( XXXX XXXX XXXX XXXX XXXX OH XXXX ). I have no knowledge of this address nor is it listed/connected with any other accounts on my credit report. The application doesn't have a copy of my Valid ID Card with said address nor list the last four of my SSN to ensure security and verification. Just a signature that anyone could have forged. Which XXXX store was this application processed through? Have you conducted a thorough investigation questioning XXXX XXXX in order to verify my identity? I have checking accounts with XXXX but I have never pursued lines of credit.
Consumer complaint received 2023-06-26
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. (NY)

I am reporting two issues : XXXX. I received mail from XXXX XXXX XXXX, notifying me that my application for the XXXX XXXX card was declined due to incomplete or unsatisfactory information. 

I never applied for such card or account. 

In checking my credit report a hard inquiry does appear from XXXX  XXXX XXXX XX/XX/2023. 

I have reported to Experian and requested that a fraud alert be placed on my account. 

XXXX. On XX/XX/2023 I received a letter on XXXX XXXX XXXX XXXX, stating that my application was declined due to unsatisfactory or unverifiable information. It was a very detailed letter containing my correct credit score. It referred me to XXXX reporting Agency, but I was reluctant to contact either XXXX or XXXX based on the suspicious nature of the letter. I have made a note with Experian that this was an unauthorized application. It is not currently showing on my Experian report, but I am concerned that it will appear at a future date. Perhaps it is not showing because it is so recent, or perhaps it would appear on a report issued by another reporting agency.
Consumer complaint received 2022-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (SC)

In the month of XXXX, many users of XXXX XXXX wireless phones had their numbers " ported '' to XXXX XXXX fraudulently. ( I have attached documentation of this to the end of this complaint ). Once the " port '' occurred, the hackers took control of people 's phone numbers and used it to gain access to their accounts, such as XXXX ( a cryptocurrency app ) and used that to charge their bank accounts. Many users online are reporting this fraud. 

My telephone number XXXX was ported without my permission on XX/XX/2021. I lost control of my phone number that day. 

I was then the victim of identify theft and unauthorized charges from PNC bank on XX/XX/2021. 

Specifically, the following charges were made on my PNC Bank account : XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX I bank with PNC Bank and I immediately called PNC Bank on the XXXX to report the fraud. I was told that my username and password were being charged and a new debit card would be issued and that a dispute was being filed. 

The following day on XX/XX/XXXX, I went to the PNC Bank in XXXX, North Carolina and was told that no dispute was filed, no user id / password was changed, and my debit was not cancelled or stopped. At that time, they filed the dispute at the branch. The charges were still pending at this time and had not posted. They told me the charges must post before a dispute could be filed. 

Please understand that during this process I didn't have access to my phone number ( and still haven't gotten it back yet ) due to the identity theft. 

On XX/XX/XXXX, I received a letter from the bank that denied my dispute for these fraudulent charges, even though they are obviously fraudulent, repeated {$200.00} charges and many other users are experiencing the same behavior from XXXX. 

Also, I was charged overdraft charges due to the fraud and a {$33.00} charge to stop my debit card due to fraud! 

The letters say that " the date you revoked your authorization with ( the transactions ) was after the transaction posted. As a result, a credit will not be issued to your account. '' But this isn't true. As I mentioned, I called the bank on the XXXX and went in the following day to explicitly revoke any authorization for those transactions. Importantly, I was told that I couldn't dispute the transactions UNTIL they posted. But now they are denying my dispute on the grounds that I didn't revoke authorization until after they posted .... 

HERE ARE OTHER USERS THAT ARE EXPERIENCING THIS PROBLEM RIGHT NOW AS WELL WHO HAD THEIR NUMBERS STOLEN : https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Dear Sir or Madam : I first noticed there were transaction in my bank statement that was not made by me on the 17th. I started a claim with Bank of America to file a claim of unauthorized transactions and started a fraud claim. 
The amount of the claim was for {$3600.00} and it was three seperate transactions that were all made on the XXXX XXXX. 
The dates and charges were as following : posted date from my bank XXXX/2021 for {$1500.00} XX/XX//2021 for {$1000.00} XXXX/XXXX/2021 for {$1100.00} I was patiently waiting for the investigation and would think the bank would handle the case speaking to the merchant. However, the case was denied on the 9th day. Their reason was because they say that the charge was authorized by me. However, THIS IS NOT TRUE. 

SO I decided to take action and went ahead and contact the merchant about the charges and have them explain to me so i can explain to the bank. Their response is straight forward and told me that they could not find any of the bank transaction in my XXXX account and that those transactions from the bank are NOT from my XXXX account. Thus these charges could not have been authorized by me. 
The case was then reopened and said they would not provide any provisional credit at all to me until the case is fully resolved at the end of 45 days and if needed 90 days. I'm not sure if that is against the law to deny my right to provisional credit since it was more than 10 days since i started the claim. however, the bank of america continue to tell me they won't give me any provisional credit because the case was closed on the 8th and just reopened so i wont get any provisional credit. I'm fine with it but i just wanted to make sure they did not violate the legal laws or any laws regarding provisional credit and treated me in any unfair way. 

Again, they denied me on the 2nd appeal based upon that the charges were authorized by me. I told contacted the merchant again and thus XXXX merchant support again stated that they could not find the transaction in my account and that they do not know where the bank statement payments come from. 

They opened an appeal again just to deny my claim 3rd time. 

During the whole process and the 3 claims, they say the reasons for denial was because i authorized the transactions, however i have found evidence over and over to prove it wasn't me. Shouldn't they find proof to prove it was me that authorized the transactions if it was really me? I have seen no evidence from their side. I asked about the devices used from the transactions, the location, the account. Yet the bank denied all the information and just said it was me who authorized the transaction without a shred of evidence from me. 

I don't believe they are making a fair judgement and thus i would like to have this case taken to CFPB to investigate and hopefully resolve this matter. 

I have attached supporting documents for this case.
Consumer complaint received 2022-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

ON XXXX XX/XX/2022 our mortgage company, BSI Financial Services, notified us that it approved our request to close our escrow account. Since that time, BSI has failed to provide a new payment amount ( reflecting only principal and interest ) and has also failed to provide us the amount remaining in our current escrow account. When we spoke to BSI Financial today, after four days of unsuccessfully trying to reach someone in customer service, we were told that they could not contact the escrow company directly, and could only send an email message to them.