davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I called Chase bank I was scammed on XX/XX/year>, I discovered I deposited a fake check, and was requested by scammers to help pay her mover by XXXX. I paid the mover by XXXX twice, one is {$510.00}, the other is {$500.00}, so total {$1000.00}. 

I called Chase three times : firs call is XX/XX/year>. I told Chase representative I was scammed, I deposited a fake check, amount is {$1700.00}, then was scammed by XXXX payment twice. The representative said the check fund is available, if I am scammed to pay by XXXX, Chase bank will have my money back, so I need to wait if the check is fake. 

Second call is XX/XX/year>, I told Chase representative I want to report scam, I got a fake check, then was requested to pay by XXXX. The representative said the check fund is still available, there is nothing I can do. 

Third call is XX/XX/year>, I discovered the check amount {$1700.00} was returning to Chase, and the representative can confirm it's a fake check. I asked how about two payment by XXXX was scammed on XX/XX/year>, the representative said the chance to have my money back is 50 %. 

I believe Chase did not take care of my scam case in a timely manner, because I called them immediately after I discovered I was scammed, they told me to wait, but can not guarantee to help to get my money back. 

I told Chase how my scam happened as follows : On XX/XX/year>, I signed a lease agreement with a potential tenant called XXXX XXXX, she provided me her ID and a bank statement. Then she said her boss will pay her first month rent, then her boss sent me an E check from XXXX XXXX, the amount is {$1700.00}. I remote deposited the check, then got an email from Chase said the fund is available {$500.00} immediately, then available {$1200.00} on XX/XX/year>. She said the amount includes mover 's expense, she needed me to pay the mover twice by XXXX, then I keep my first month rent. But the next day ( XXXX ), the scammer asked me to help her to pay more money, I refused it, then she said she will cancel the lease agreement. I called her, she never answered my call. Her boss also texted me to send him money back electronically, I said I can only mail a paper check, he threated me he will dispute it, I said the E check fund is not guaranteed, it will be reversed back if any issue happens, then he never answer back. On XX/XX/year>, the E check was verified fake by Chase bank. In short, I didn't not keep my first rent, but was scammed {$1000.00}.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Reporting Agency : XXXX XXXX Transunion To Whom it May Concern, Account name : XXXXXXXX XXXX I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as having a past due balance of {$7400.00}, but also reports that there have been XXXX ( zero ) late payments with XXXX XXXX  Monthly payments. Also it reports an incorrect utilization of 122 %, which should equate to {$7400.00} and not {$7400.00}, as 22 % of {$6100.00} = XXXX x XXXX = {$1300.00} So the increase amount is {$1300.00} Adding the increase of {$1300.00} to the original {$6100.00} gives us : {$6100.00} + {$1300.00} = {$7400.00} Therefore, XXXX plus a 22 % increase is {$7400.00} NOT {$7400.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (WA)

SoFi restricted my account due to unforeseen circumstances, I called them to provide any sort of information to get this sorted. They said it was due to a XXXX transaction but did not clarify why when XXXX is setup through their app and they asked for the senders information which I provided the phone number for. They refused to explain why it wasnt a valid phone number and continuously told me that it wasnt a valid number. They wont remove the restriction.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

My XXXX report shows a joint credit card on my file as having a balance of over XXXX and late when not only is that account closed but the balance is {$0.00}. This error is causing my debt to credit ratio to be extremely high and is negatively impacting my credit. Additionally, this shows as a 30 day late when this is not accurate as NO bills were sent to me after moving and with USAA locking me out the account i had no way to determine the status of this account.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-15
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 (IL)

On XX/XX/XXXX, went to Bank of America to send a stop payment on three payday lenders because I filed them under litigation with XXXX XXXX XXXX on their practices. I notified the banker if she can make a copy of my letter that I have sent to them and she told me that it was unnecessary since it will be done in the correct time. I then noticed that my account was drafted onXX/XX/XXXX in the total amount of XXXX from two payday loans ( I filed three stop payments ). I called Bank of America on XXXX XXXX, XXXX and notified them of the incident. The telephone banker stated that the stop payment was done incorrectly and restarted the stop payment. I filed a claim stating that the withdrawal was done without authorization and they credit my account pending the investigation. Apparently, Bank of America sent my notifications electronically when initially, they were sent through the mail. I did not authorize for my claims documents to be sent electronically. In XXXX, I found out they sent a notification stating that the credit will be reversed stating that the charge was done in authorization and that I should contact the merchant for a credit ( the third stop payment was credited successfully and stated that they were at fault stating that they did not send documentation and the charge was not authorized ). Since I was under litigation with the merchants, I could not contact them and I asked how was that valid since I told the telephone banker that it was not authorized since the merchants were placed under litigation. They said that the withdrawals were done on XX/XX/XXXX and my stop payment was done on XX/XX/XXXX which was incorrect. They told me to submit documentation and they would reopen my claim. In XXXX, I submit documentation, the letter I gave the banker and the merchants, and the first ( which dated XX/XX/XXXX ) and second ( which datedXX/XX/XXXX ) stop payment filings. I did not receive a response so I called regarding my claim. They told me to wait until the end of XXXX and I will receive a response. I called in XXXX and they told me that I will have to wait until the end of XXXX. Both instances I asked for this to be expedited since this has been going on since XXXX. I called at the end of XX/XX/XXXXand they told me the same thing. They just sent me a notice, electronically of course, stating that they will not reverse their decision. The reversal of the credit also ended up with {$110.00} of overdraft charges due to other transactions coming through the account when they did the reversal. I was amazed at how two lenders charges were listed as authorized but the third, which all stop payments were done at the same time, was listed as unauthorized and I received my credit. I think the telephone banked deleted the initial stop payments from those merchants and created new ones and that is the reason why I am still dealing with this situation.
Consumer complaint received 2018-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CA)

I received a letter from Chase entitled " Important Changes to Your Account Terms '', specifically as it pertains to a credit card of mine ending in XXXX. It states that my new Purchase APR will climb by 6.99 % to 11.24 % as ofX/XX/18. It also stated that if I have issue with this rate change and want to " Reject '' these changes I should contact Chase by mail at Cardmember Services, XXXX. XXXX XXXX, XXXX, DE, XXXX. I did write a letter to state that I had been a faithful Credit Card customer for more than 15 years. In that time I stated that I had never been late, had always paid on time ... however, I have never had my APR remain the same or diminished. I have spoken to several representatives who continue to give me the party line which states that my account is constantly reviewed. I never know when it is reviewed either annually or otherwise. As I mentioned earlier I have never had the APR diminished or remain the same. I was also insulted after writing a letter to Cardmember Services that I received a form letter from XXXX XXXX, Customer Service Specialist in which he did not address any of my reasons or thoughts for wanting the Credit Card APR to remain the same or to have it decrease. I find that there is no incentive for Chase on this particular card to a faithful credit card customer and am deeply disappointed in their reaction to my pleas.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action. 
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing
Consumer complaint received 2018-01-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BB&T CORPORATION (SC)

We bought the car after experiencing the loss of our previous car from a MVA in which the car was totaled. We felt pressure to buy something quickly, from the insurance company. We purchased a XXXX XXXX, and the XXXX dealership obtained financing through XXXX XXXX XXXX. The account number is XXXX. The payments became a struggle when I had to stop working as a XXXX XXXX XXXX due to health problems. I tried to work with the company to reduce payments and they were unwilling to work with us to lower the payment amount. We thought maybe we could trade the car in and lower the payments that way, and the gentleman at the XXXX dealership suggested just letting the car go. It would only hurt your for a year. In fact he told us he had done the very same thing and it did n't affect his credit at all. They refused a trade in because the amount owed was more than the value of the car. Being desperate to lower our payments we fell for this and purchased a XXXX XXXX XXXX for {$300.00} less per month. I tried to talk my husband out of this but he would change his mind. My husband was diagnosed with XXXX XXXX XXXX in XXXX and does not always see things clearly. They came and repossessed the car, sold it and the amount we still owed was {$17000.00}. We only paid XXXX for the car new. I was not able to maintain employment and had to file for XXXX due to XXXX. We tried so hard but we were so gullible. The car was purchased at XXXX XXXX in XXXX  Carolina.
Consumer complaint received 2018-01-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

CITI 's Retirement Plan Services in XXXX XXXX, Texas is holding my father 's IRA hostage in what appears to be an overt act of theft. He XXXX  about 5 months ago. In speaking with agents of the Texas state banking division I have been told that you have oversight over IRA accounts for huge corporations like CITI. 
It is not a large account - a few thousand dollars - and they refuse to divulge exact details about it even to my sister as estate Administrator. 
When he set up the IRA, he stated that the beneficiary of his account would be a trust established in his name. Unfortunately, as sometimes happens in these cases, he never got around to establishing such a trust. 
The front desk employees who I am allowed to talk to tell me that a more authoritative person will call me but they nobody does so. I have been sent a request for verification that I am a trustee of his ( imaginary ) trust. The front desk employees tell me that if I do n't have the papers they need, they ca n't talk to me. 
The cost of getting a lawyer involved for such a small account is obviously prohibitive, and I 'm sure they realize that.
Consumer complaint received 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Goal Structured Solutions, LLC (TX)

Spoke with XXXX  today at XXXX XXXX today. Explain that my payment of XXXX has not been taken out. App still says it good. Ach its schedule on Wednesday so on XXXX of XXXX it should of process by payment my bank denied bc Im aware I dont have the funds which the funds/income are applied on Wednesday and the company process the payment early to my bank that it was denied and this company launch servicing charge me for nfs fee. XXXX said my bank declined it on XX/XX/year> why did launch servicing process my payment early if I have ach schedule to process on the XXXX. And what I hate it I been on the phone for more than an hour to speak to a representative to waive a fee. Its been three day when I call later in the afternoon and need to wait half hour and more for an agent than I get tired of waiting and hung the called. Im guessing I need to call way early like I did to get someone. This is harassment for waiting this long I get stress by this company.
Consumer complaint received 2021-03-18
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: HSBC NORTH AMERICA HOLDINGS INC. (PA)

I am a US citizen who moved the XXXX to attend university in XXXX and have lived full time in the XXXX from XXXX to XXXX. 

It is XXXX now and am returning to the USA and have been offered a position in the finance sector. The employer has processed a background check for me including pulling my credit report of which i have had no need to check as I have not needed to use my credit.

It has been discovered that I have two fraudulent credit card accounts opened in my name from XXXX, 2 years after I had already begun to live in the XXXX. One of the cards had been used up until XXXX and the other up until XXXX before being charged off and transferred to a company called XXXX XXXX XXXX. 

Acct XXXX Balance {$2200.00} Open date XX/XX/XXXX Charge off date XX/XX/XXXX XXXX XXXX Acct XXXX Balance {$3500.00} Open Date XX/XX/XXXX Charge off date XX/XX/XXXX I can attest that these are not my accounts and that I had no knowledge of opening them or using them to my benefit. These are fraudulent credit card accounts and would like them to be removed from my credit report immediately
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MI)

I would believe Citibank has applied the wrong promotion to my account with them. I honestly would have assumed it was my mistake if not for the fact I never set a reminder, and the agent I spoke to had a mini XXXX XXXX when asked, admitted Citibank was not in possession of the agreement, and then lied about finding and emailing it to me before rushing me off the phone. Normally, this is something I would be happy to call back to get straightened out, except the XXXX representatives who have been stealing from various other accounts refused to help me gain access to this one. Those would be the same agents the Citibank representative suggested I go to for the agreement. I've been having a somewhat negative experience with the customer service of retailers and banks as of late, which the CFPB is very aware of. They are also sending a replacement card for the original that never arrived, I assume via XXXX, which means it still will not arrive.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A. (NV)

I have a {$250000.00} CD with Citibank. On XX/XX/year> an interest deposit was credited to the account in the amount of {$930.00}. On the same day the {$930.00} was transferred to a closed account of mine at Citibank, this was not the account I instructed them to apply the funds. 

Citibank will not correct the error ; I just want the funds deposited to an XXXX account at Citibank, they refused. 

They informed me that I will be receiving a letter regarding the transaction.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX