davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (PA)

This complaint is regarding the automatic debit made by Chase Bank from my account without my information or any inquiry. 

On XX/XX/2023 Chase Bank has debited my account with {$13000.00} against miscellaneous transaction. Upon inquiring from Chase Bank claim center I have been informed that XXXX XXXX XXXX XXXX has opened the dispute against me for the wire transfer she made in the month of XX/XX/2023 and the bank has settled this amount against the dispute without informing me or investigating me during the research of the dispute of this transaction. 

The invoice amounting to {$13000.00} has been raised for XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX XXXX dated XX/XX/2023. In the month of XX/XX/2023 I have received following wire transfers against the sale of furniture from XXXX XXXX XXXX, all the wire transfers were authorized and correct and due with XXXX XXXX XXXX to be paid to XXXX XXXX XXXX XXXXXXXX XXXX The screenshots of wire transfer are enclosed with this application ) : Date Amount ( $ ) XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX Total XXXX I have filed a claim with the bank timely having claim # XXXX for the credit of this amount with Chase bank XXXX XXXX. This forced debit of amount {$13000.00} has took my account in overdraft. On XXXX XXXX I called the Chase Bank Claim Center at XXXX am to inquire the status of my claim. The representative on the phone line has verified and confirmed the above stated amount from me and has assured that the credit will be given back to my account. The lines were recorded and can be retrieved with the date and time given. 

However, on XX/XX/2023 the bank has declined my claim and has refused to refund the amount of {$13000.00} that was earlier debited from my account. 

The bank has committed fraud with me by not making me the part of any ongoing investigation against any amount in my account. It is requested to please help me in recover my amount of {$13000.00} from Chase Bank at earliest. 
Enclosed : 1- Copy of bank statement showing the debit made by bank on XXXX XXXX of {$13000.00} and the credit of above mentioned amounts into my account through wire transfer. 
2- Copy of letter of response by Chase Bank against my claim for the amount {$13000.00}. 
3- Invoice raised for XXXX XXXX XXXX XXXX against purchase of furniture. 
4- Screenshots of Wire Transfer amount sent into my account by XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-09
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: DISCOVER BANK (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2020-10-23
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. (NM)

I have called Equifax and XXXX  numerous times over the past 6 months regarding inquiries that were on my credit report that weren't recognized. I was told by both credit bureaus that I needed to call each and every company that had pulled my credit. I did. Upon calling I was told that they didn't have any information on file with my name or SS #. I called Equifax and XXXX  back. I then was told I needed to add fraud alert on my report and go to the police station and file a report. I added the fraud alert, I took days off to try and file a police report and was told at the police office that they are unable to file a report of such. I'm very frustrated and annoyed that I keep getting the runaround and not getting any help. XXXX  was able to help me and I had NO ISSUES with them at all. I was then told last week to contact the FTC and or Consumer Finance.
Consumer complaint received 2020-10-23
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ashton & Weinberg, Inc. (VA)

On XXXX XXXX I received a phone call from number XXXX. Unfortunately I did not catch the mans name but he stayed he was calling from a law firm about a debt. Without any provocation from me, the man stated that I was XXXX XXXX That I was a XXXX XXXX for not paying my debt. How is this able to happen? No one should be allowed to talk to anyone like this.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (GA)

I contacted the company on XX/XX/2020 and sfvised them that all three credit agencies XXXX, XXXX XXXX and XXXX  were all reflecting this as an open loan that was paid off in XXXX - XX/XX/2020 and they should update their file. However, they refused and told me to do so.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (PA)

I have called several times to get my US Bank Reliacard activated and the company will not activate my card. They asked me to upload a picture of my drivers license and a selfie of me at verify.usbank.com/retail and I did that. I called and waited on hold for hours and the representative said they can't help me. There is nothing they can do. The card is locked and she didn't know how to help. I asked to speak to a supervisor. The supervisor said she couldn't see any of my information and we had to upload the drivers license and picture ( selfie ) again and wait another 7 to 10 business days. I have called at least 20 times to US Bank Reliacard to get a new card and activate it. I finally received the card months later and now I can't activate the card and they keep saying they can't help me. What am I supposed to do? I need to pay my bills! Thank you for your assistance  in this matter. The customer service phone number that I have been  calling is XXXX or I have also been trying to activate the card using the website listed on my mail. www.usbankreliacard.com
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-26
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: EQUIFAX, INC. (TX)

XXXX XXXX  XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

PERSONAL INFORMATION Previous Address : XXXX XXXX   XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Other Names : XXXX XXXX This is not my former name. 
Other Names : XXXX XXXX This is not my former name. 
NEGATIVE INFORMATION > ACCOUNTS XXXX  XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

ATTORNEY GENERALXXXX | XXXX This account does not belong to me. 

Please use the above confirmation number for all future communications on the status of your dispute. 

The dispute verification process may take up to 30 days.

Please note, when you upload documents, including letters, to Equifax as part of your dispute, the documents may be submitted to one or more companies whose information is the subject of your dispute.

sent ftc on all the above
Consumer complaint received 2020-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (TX)

After an automobile accident that after court deemed other individual at fault for the accident, one medical bill was added to my credit report as a collection ( Hospital bill ). It is still in my collection report even though this accident happened a few years back and it was settled. I still have the collection on my report affecting me even though the other individual was responsible to pay the bill.
Consumer complaint received 2023-03-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CO)

Our business uses Wise to pay our overseas vendors. I had found their service to be generally effective and reliable. After conducting an internal audit, I discovered that a refund from Wise back in XX/XX/ of {$1800.00} had not been deposited into our bank account. 

I contacted Wise regarding this issue, and they informed me that the transfer had been completed. I then asked for the trace ID for the transaction so that the transaction could be verified through the banking system. They again informed me that the transaction was completed and that they could not supply me with the trace ID for the transaction. 

I informed Wise that the receiving bank may have not received these funds and that I will need the trace ID number for this transaction in order for the receiving bank to fully investigate why these funds were not transferred to the receiving account. Wise again told me that they could not supply me with the trace ID for the transaction. 

Wise then asked for a statement from the receiving bank showing that the funds had not been deposited. I supplied this to them. 

After a week and no response from Wise I contacted them again. I received no explanation why the transferred funds were not deposited in my account. I received no trace ID from Wise for this transfer. I received no refund from Wise for the missing {$1800.00}.
Consumer complaint received 2023-03-07
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. (LA)

This is my 7th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XX/XX/
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX Acct : XXXX, XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX Acct : XXXX, XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX inquiry, XXXX XXXX XXXX inquiry, XXXX XXXX Acct : XXXX, XXXX & XXXX Acct XXXX XXXX and XXXX, XXXX XXXX XXXX accounts XXXX, XXXX XXXX  XXXX Acct : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

In 2018 i was a victom of identity theft and charges were made to a credit card that i did not approve. A report was made to citi bank. An invistagation was suppose to be made but was not and they sold the debt to XXXX XXXX. When i was contacted by XXXX XXXX debt collector i told them the debt did not belong to me, they have denied the settlement i offered and are currently being suing by their attorneys at law XXXX XXXX XXXX
Consumer complaint received 2020-08-26
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: EQUIFAX, INC. (AR)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$610.00} XXXX  XXXX {$23000.00} XXXX XXXXXXXX {$14000.00} XXXX XXXXXXXX {$130.00}
Consumer complaint received 2023-03-06
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (UT)

I currently was a victim of a scam and fraud and when I called my bank ( Wells Fargo ) to report the transactions and protect my accounts they were negligent and only changed my online banking log in and pretty much blamed me. They asked that I send more information and I did but they did not respond and then said that because I didnt send it they would not get my money. This all started XX/XX/XXXX of this year and they have done nothing to help me. I asked them to freeze my account and stop checks from being deposited while they were pending but they still let it all go through. When I call to give more information they dont answer or allow me to so I send them emails and they do not respond. There were checks deposited to my accounts that I did not deposit. Two checks of {$1500.00} and when I asked to stop them they did nothing and let them go through. Then when I was getting threatening messages to hurt me and my family if I didnt return the money so I did my best to return it but the checks bounced so now they blame it all on me. I sent that money back because of their negligence to help me when I needed it and now they are not helping me. They told me to just change my phone number and that was it. I also filed a police report and havent heard back since.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/2021, I wrote a check to myself from a credit union account to deposit into my Citibank checking account, and I deposited it that day. I do this frequently as it's the simplest way to transfer funds from home during a pandemic. On this occasion however the check bounced because an automatic payment hit the same day for more than I anticipated. I was {$20.00} short, and the more than {$5000.00} in my saving account at the credit union was not linked, so it didn't help. Okay, my bad. Citibank reversed the deposit and charged me {$29.00}. Fine. THEN, on XXXX XXXX I wrote another check from my credit union to cover the bounced check and a bit more. Suddenly I can't sign in to my Citibank account, I can't get cash from an ATM, and it takes several calls to Citibank before I am finally told that they suspected fraud on my account. They have frozen the account for 2 weeks. I can't even SEE the funds I have in the bank, much less access them. What's more, the second check has cleared my credit union account and funds are almost certainly in my Citi account now. I don't believe that Citibank has any reason to believe I bounced a check on purpose, and the amounts are relatively low, under $ XXXX. I am not a criminal and they have no reason to suspect I am. Aside from my several calls to them, Citibank has not notified me that the account was frozen or why, nor could they explain why I can't even sign into my account. If this is legal, it shouldn't be. I plan to change banks as soon as this is cleared up, but I also want to go on record objecting to this practice as an abuse of power, unnecessarily punitive, bad business practice and extremely inconvenient to a customer who has been with them for many years. I can understand Citi freezing the second deposit until it has fully cleared. That seems fair. Freezing me out of my checking account including other funds I need should be illegal or only used when there is strong evidence of a crime. In this case there is none.
Consumer complaint received 2024-01-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Biehl & Biehl, Inc (CA)

We received a call on XXXX at XXXX from Biehl and Biehl XXXX from XXXX trying to collect debt. XXXX was advised that our account was out for the day and that she would be in the following day. I took down his information which was XXXX his direct line again his name was XXXX. 

Today XXXX called again XX/XX/11 at XXXX accused the accountant that he spoke with her on XXXX and she said I'm sorry but i was not here that day. He said i was waiting for your return call. Shes stated again i was not here that day, you spoke to the other girl. Okay well when can i receive payment. She asked what account are you calling for. He stated he was with a collection compang for XXXX XXXX. And stated so when can i expect payment. She advised him. Whenever I recieve money in i will be able to make payment. He states when will that be. She stated Im not sure. He then said you know have 13 outstanding bills dated back and your telling me you can not pay them. Again she stated I do not have any money to make a payment right now. When i can I will. He stated when will that be, she said again i dont know exactly when I will be able too. He said again how can you not make a payment, youve known for that last 7 months to make a payment. She stated I understand. He proceed to cut her off and said how do you understand if you are not able to make a payment knowing that you owe. So how do you understand? During this conversation I the XXXXXXXX XXXX was sitting listening to the phone call, Told her to say to please stop calling and only email. That this is her harassment. She advised him to please only email her and to not call again. He stated well what good is that going to do, you have been emailed and you still havent done anything. So I Assistant manager took over the phone call and advised him to only email us and to not call again it is against the law to for you to contact us via phone again, i will report it to the FCRA, He then stated what good will that do. Nothing ever comes out of it. So when will you make payment, I advised him again to not call and only contact us via email. He again said, so when will make payment. We already told you we dont have the money right now and we will when we can. Again he stated when will that be, i said please and he cut me off and again when will you make a payment. I tried to talk again and he kept cutting off. i tired to talk, could not get a word in i said this is harrassment and he kept talking and I hung up the phone. Guess what he called again at XXXX. After I had already advised him to not call. Violating rights. My parts guys answered the phone. I hung it up. I will not be talked to the way he did to us.
Consumer complaint received 2020-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (HI)

XX/XX/2020 - {$200.00} XX/XX/2020 - {$250.00} Barclay credit card company accepts via telephone, payments using only a checking account number and bank routing number. They do not ask the payer to verify the name on the checking account nor do they validate whether the name on the credit card and the checking account are the same. 

Due to this blatantly insecure policy of theirs, my checking account was debited twice within 5 months without my authorization. I had to file a dispute each and every time which is a long and arduous process. This policy is an open door for fraud and theft. Stricter requirements must be in place when someone is using a checking account to make a payment.
Consumer complaint received 2023-03-07
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: U.S. BANCORP (WA)

I was sent a bank statement from US bank stating I had a business account with them, which I never applied for. When I called US bank they stated the line of credit was closed and the balance was XXXX. 

I also recieved a letter from XXXX XXXX regarding a recent application for a Credit card. I never applied for this card. I called XXXX XXXX and no account has been open. 

My bank account was hacked and {$13000.00} was stolen. I worked with my back to close and set up a new account and my money was retrurned to me.