davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
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. (WV)

On XX/XX/year> by XXXX account was hacked and XXXX was stolen from my checking account through XXXX XXXX which was lined to my debit card. I reported it to my bank, had my card cancelled, notice tranactions from a card with the last 4 digits as so did XXXX  that was not mine but still went through my checking through XX/XX/XXXX. how my bank didn't even notice this unusual pattern is beyond me as well. I had to go to XXXX to have them to install a stolen app om my phone so we could reset my apple id and password. Chase Bank would not refund my money because they said they had no proof.i tried to explain to them that there was a card on their as well and showed on my account that I have no Clie where it came from but they still let them go through. they seemed to not even care about trying to resolve this issue with me.
Consumer complaint received 2024-07-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Bridge IT, Inc. (FL)

I contacted the Brigit company on XXXX XXXX XXXX, for reporting three late payments to the credit bureau which is false!! I have attached the email communication between me and Brigit company via email! I also have screenshots of the payments made by me and Brigit company on my credit profile on their platform to show the lies and violations of the FCRA!!
Consumer complaint received 2024-07-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (FL)

I paid off EARLY several loans with Affirm.com, and after making the full payment they listed in order to payoff loans, they then added XXXX XXXX  to the balance then requiring a future additional payment. 
Then when I tried to pay that XXXX XXXX, their system said I could not and required a minimum payment of XXXX XXXX. When I tried to make a XXXX XXXX  payment, Affirm refused the payment saying they couldn't accept it. 
So now I have a balance on loan that was paid in full and Affirm will NOT fix the problem.
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX XXXX I placed an order for XXXX XXXX XXXX XXXX with XXXX XXXX  for the amount of {$760.00} I did not receive this order for whatever reason. I disputed this with Chase and they sent me correspondence stating that they found the charges valid for the reasons that the charge was made in person and made available for pickup. That was not the case the merchant shipped it. Im based in California and the merchant is based in XXXX. I have never been to XXXX so that would physically be impossible. I have provided photo evidence that they shipped it. 
They didnt solve my dispute with other any evidence they resolved it saying they dont use the proper procedure so I shouldve been dude a refund as they never submitted any evidence saying it was delivered instead they said it was not picked up which is what I had said initially
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Contrary to what was provided I did call end clothing about a refund on XX/XX/XXXX as provided in photo and they told me I had to dispute with my bank. As proved they already lied about not reviewing their phone calls about me requesting to return a mishandled product as they assured me they sent the right product but I sent proof that they sent the wrong size and as a consumer Im Protected in returning a mishandled product which was the wrong size as I wouldnt be assured a refund. I received the wrong size as pictured and they refused to accept a return or replacement so as my bank I believe Im entitled to a refund as I took every necessary step to resolve this with the merchant
Consumer complaint received 2024-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (TX)

XXXX of XX/XX/year>- researched on Chase bank website how to submit request to remove escrow from my mortgage account. I mailed the required request in writing to the address provided on Chase Mortgage website : XXXX XXXX XXXX, XXXX, KY XXXX. The letter was returned from the post office as non deliverable. 
I called Chase Mortgage escrow department to ask for a new address and what steps I needed to take to waive the escrow and was told by the representative that My mortgage did not qualify to waive the escrow account because the investor required that there is an escrow account for the life of this loan. I asked for that information in writing, which was sent XX/XX/year> and I received. The letter states : Thank you for your request about your mortgage loan account. 
We can not remove your escrow account. The investor guidelines require an escrow account for your loan. 
If you have questions ... ..... 

Today, XXXX XX/XX/year>, I called Chase bank to follow up. I researched the requirements for XXXX XXXX to allow a mortgage holder to remove their escrow account and found that my account meets all the requirements. I spent 1 hour and 22 minutes talking to two different representatives regarding this issue. The first representative stated that I could not waive the escrow account and when I said that didn't satisfy me he transferred me to what he called the escalation department. I did record the entire conversation with the representative from the escalation because I no longer trust that as the consumer I get accurate information from Chase bank. 
Finally, XXXX XXXX, from the escalation department said he discovered that my loan does meet the requirements to waive the escrow account but I would need to send a letter formally requesting Chase bank to waive the escrow. He also recommended that I inform Chase that my mortgage does in fact meet the requirements to waive escrow, which in my opinion is doing their work for them. 
I was told by XXXX several times that Chase is a very large company. 
I am reporting this to CFPB to inform you that Chase bank employees are either not trained to do their job or are told to give customers erroneous information. Also, the information on their website should be accurate and up to date.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

I am writing to formally dispute the inaccurate information reported by Early Warning Services ( EWS ) on my consumer report. I have been wrongfully accused of fraud, and despite multiple disputes with the truth, Early Warning has refused to correct this erroneous inquiry.

The issue originated with XXXX XXXX XXXXXXXX, where a fraudulent check was mistakenly attributed to me. XXXX XXXX XXXXXXXX conducted a thorough investigation and concluded that I was a victim of fraud. Enclosed with this letter are : A letter from XXXX XXXX  XXXX confirming their findings and absolving me of any wrongdoing. 
A copy of the police report I filed when I first discovered the fraudulent check. 
Despite this evidence, Early Warning has failed to remove the fraudulent inquiry from my report. This inaccurate information has severely impacted my ability to open new bank accounts and has caused significant setbacks and harm to my financial reputation. 


Early Warning Case Info : Dispute Case ID : XXXX Bank Name : XXXX XXXX XXXXXXXX Reference # : XXXX
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (CA)

Yesterday, XX/XX/2024 I discovered my credit card was not in my wallet. I just used it an hour earlier so I have a very good idea where I lost it. On calling the business they said they had not found my card. So I proceeded to call the number on the back of my wifes card ( XXXX ) to report the card lost or stolen. I have visa card from XXXX issued by CITI bank. 

When I called the number the person who answered said they were going to send me a {$100.00} reward. I thought this was strange, but maybe it had something to do with my XXXX XXXX XXXX on the XXXX  XXXX. I gave her my name and address, She wanted to know my email address. I started getting suspecious and asked if I could report the card missing. She continued to request information. I refused to give it and demanded to report the card missing. I was concerned that someone could be using the card at that very moment. Finally she admitted that I was not talking to CITI bank or to XXXX and gave me a number to call to report the card missing. When I called that number ( XXXX ) it was still not CITI bank or XXXX. I had to use my phone to search for the correct number. 
When I reached a representative to report the card missing I told the representative about the misleading and incorrect phone number on the back of the card. The representative did not know a thing about it. I asked her to report the problem to the management and to fix it. 
When I received an email from XXXX XXXX stating I had a hold on my card I followed the link " Contact Us '' XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX XXXX XXXX ) in an attempt to inform them of the problem with the phone number on the credit card but the link led to a blank page. 
What bothers me the most about this situation was the deception in the phone number and the possibility of me giving out all sorts of personal information to an agent thinking that I was talking to a trusted business, namely XXXX or CITI, I called what was supposed to be a TRUSTED NUMBER on my credit card! It was actually a phishing scam. 

I want XXXX and CITI bank to send a notice out to everyone who has a credt card notifying them that the phone number on the back of the card is wrong and not to be trusted or used to report a stolen or missing card and they should provide the correct number. 
Furthermore they should be required to inform the cardholder every time that VERY IMPROTENT AND VITAL NUMBER is changed so there will be no confusion in the future about who you are talking to!!!
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo (OH)

Re : Late Payment Removal for Account Ending in XXXX I am requesting that you permanently delete the 30, 60, 90 day late payment that you have furnished on my credit report for XXXX XXXX XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Experiences between the consumer and the person making the report are excluded from consumer reports. May I also remind you that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required under Consumer Credit Cost Disclosure is mailed or delivered to the consumer not later than 21 days before the payment due date.

This late payment is ruining my credit standing, character, and general reputation, and is preventing me from making certain transactions that my family relies on to live and operate in the banking system. After you have deleted this late payment, please send me a letter confirming that it has been deleted from your files and deleted from any credit reporting agencies you have furnished the information to.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-20
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts/items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my fourth 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 XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within XXXX days. Enclosed are supporting documents.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

Subject : Dispute of Inaccurate Information on LexisNexis, XXXX, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my LexisNexis, XXXX, and XXXX consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information. 
2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by LexisNexis, XXXX, and XXXX XXXX violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX, XXXX, and XXXX report. Specifically, I ask that : XXXX. LexisNexis, XXXX, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. LexisNexis, XXXX, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my LexisNexis, XXXX, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (SC)

I have a Chase Ink card for my company. In early XX/XX/year>, I requested that XXXX XXXX gift cards for {$100.00} each be sent to me from my accrued points ( total coast was XXXX points ). I never received them. At the end of XXXX, I called and they told me they would launch an investigation. In early XX/XX/year> I received a letter stating that, due my having multiple accounts ( I have a personal Chase card as well ), Chase directed me to go to a Chase bank to correct a problem ( not sure what the problem is ). I called XXXX  times ( including today ) to request that instead of sending me new cards that they just return to the XXXX points to my account. Chase has refused to do so and insist that I go to a Chase bank branch ( this is very inconvenient for me and I do not have a bank account with Chase, only credit cards ). 
I believe it is extremely unreasonable to require me to physically go to a random Chase bank to resolve this issue. I am requesting that Chase credit my account the XXXX points that were deducted for gift cards that I never received.
Consumer complaint received 2024-07-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AL)

My dad was given a prepaid card from his company and he gave it to me to use. I tried to check the balance using the website and number on the back of the card to figure out if I already used them or not. When I called, they told me that they are not able to provide any information because I am not the owner of the card. I asked my dad to call them and they told him that he is not registered under the card either. They told us to send government proved photo id to verify our identity. It was very weird for gift card company to ask for our personal information please help us out. They told us that we are not able to use the card until we can provide our personal information to them.
Consumer complaint received 2024-07-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I made an international wire transfer ( {$31000.00} ) but because of wrong XXXX XXXX, the money was sent to the wrong bank XXXX XXXX  in XXXX. On XX/XX/XXXX, I submitted request with wells fargo to call this money back and I was told I needed to wait at most 30 days for that money calling back. 

Till today XX/XX/XXXX, the money is not returning to my account. During the time between XX/XX/XXXX and XX/XX/XXXX, I called wells fargo multiple times to check the return status but I was told they tried to contact XXXX XXXX XXXX XXXX and no response from them. 

So I submitted complaint to XXXX XXXX XXXX to try to solve this issue. I got the reply from XXXX that this money was returned back to wells fargo on XX/XX/XXXX already. And during this time, XXXXXXXX XXXX XXXX XXXXXXXX tried to contact wells fargo twice sending XXXX  but no response so they have returned the money back to wells fargo due to unable to apply the money. 

On XX/XX/XXXX, I contacted wells fargo to check the return status and they still told me they do not know where is the money but I got documentation from XXXX government that the money have returned to wells fargo on XX/XX/XXXX already. So wells fargo refused to give money back to my account after they received the money.