davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
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. (OH)

I was alerted via text from my bank ( Chase ) that there were some fraudulent transactions and asked if I made them o responded no which immediately closed my debit card and I immediately called the back to talk to them about me not making these transactions, I was told that they would investigate, they put the money into my account, less than a week later the money came back out and I called again they said it was just a temporary release of the money and that it would go back in by a certain date which it did, less than another week later it came out a 3rd time and I called they told me that my claim was denied because the purchases were made online through my XXXX XXXX, I was told if I could prove it wasnt me that I could get the money back, I was asked to send in my time card from work which I did and it was denied, I was told it was not sufficient enough because it was a picture of my time card, I told them I work on a XXXX  and all my time card info is on a computer, then I was told if I filled out a police report and then in it I could get the money back, I went that same day and did this, turned it in and again was denied saying that was not sufficient enough either, I called and asked for the boss of the people I have previously been speaking to and was able to talk to him, he admitted that it was a scam due to a one time code being used, he also told me that nobody at chase except for certain people should of ever asked me for the documents that I was asked for and that he was sorry that someone did so, he admitted the transactions were scams and told me that I would not be compensated the money that was taken from my account, there were 3 transactions totaling XXXX and some change
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TX)

I have a tax refund that I received from the IRS on XX/XX/year> for the amount of {$27000.00}. I move the some money around and paid bills and debts owed from previous bills and SOFI restricted my bank account, not allowing deposits or withdrawals or any atm, or debit card transactions. I called them on XX/XX/year> and they gave me no timeframe of when I can use my remaining funds of {$15000.00}. I call 3 times a weeks since XX/XX/year> and I was still given no timeframe of when I can use my funds. My identity has been fully verified and there is no reason for this.
Consumer complaint received 2024-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Servion, Inc. (GA)

I obtained a conventional mortgage through my credit union. During the mortgage process, I was told that I could take the proceeds from the sale of my existing home and pay down the principal on the mortgage to lower my monthly payments. The original lender did not have a minimum payoff to recast. 

My lender sold the mortgage to a servicing agency, Servion. Once my other home was sold, I paid off {$11000.00} on the new mortgage with the intent of dropping my monthly payment to {$250.00}. Only after the payment was made, Servion notified me that I would have to make at least a {$20000.00} payment to recast. 

Having a minimum payment amount to recast is predatory lending and is outside the industry standard practice. In addition, I feel the business practices were deceptive in that I was only told of the minimum after making the payment.
Consumer complaint received 2024-08-22
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: AMERICAN EXPRESS COMPANY (NJ)

I received an American Express pre loaded {$100.00} gift card for my birthday ( XX/XX/year> ) and have been trying to use it but it does not work anywhere nor can I access the balance online. When I tried calling the number on the back of the card today, they told me that there was {$0.00} on the card because the money was sent to your states unclaimed property division. I have never even heard of such a thing with gift cards before so I called my states unclaimed property division and they told me that I was indeed right, you can not claim gift cards as unclaimed property because it is not linked to a persons name. When I tried calling back American Express multiple times they said there is nothing they can do for me the money is just gone and that to contact my states unclaimed property division. The card does not expire for another 4 years and there is nothing on the card that states anything about after a certain number of years the money will be sent to your states unclaimed property division. I feel as if American Express stole this money by not telling anyone that if you didnt use the card in a certain number of years than it would go to your states unclaimed property division. It even says right on the card funds do not expire. I tried contacting American Express multiple more times asking if I could speak with a supervisor and they just kept telling me there is nothing they can do for me. I asked if the card doesnt expire for 4 more years then why did the money go to unclaimed property and they just kept saying they dont know and they cant help me. I do not know what to do or who to turn to because no one at American Express seems to want to talk with me about it or even has answers as to why this happens or why they do not tell you. It is a shame that someone got me a gift and that I can not even use it.
Consumer complaint received 2024-07-01
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: Experian Information Solutions Inc. (IL)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NV)

I went to cash my check with my bank Wells Fargo and deposited my check by ATM and they said there was going to place a hold then the day comes for the hold to b lifted and funds available I get told by my bank the check wasn't good which was a lie it was my payroll check and due to this they closed my account with them and charged me the amount that the check was for even though they never released any funds to me
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

XXXX : ** Unauthorized Transaction and Lack of Support from Chase Bank and XXXX On XXXX XX/XX/year>, I sent {$500.00} via XXXX XXXX $ XXXX for the purchase of baseball tickets. Unfortunately, the seller never delivered the tickets and has since disappeared, effectively stealing the money. I promptly contacted both Chase Bank and XXXX to dispute the transaction and request a refund. 

Despite my repeated attempts to resolve this issue with both companies, neither has taken any meaningful action to assist me. Chase Bank and XXXX have refused to refund the money or provide any support in this situation, leaving me with no recourse. 

I am filing this complaint because I believe that both Chase Bank and XXXX have failed to honor their consumer protection policies and have not provided adequate customer service in response to this fraudulent transaction. I am seeking your assistance in resolving this matter and recovering my funds. 

Thank you for your attention to this issue. 

**Sincerely, ** XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (DC)

On Sat. XX/XX/XXXX, {$600.00} was withdrawn from my checking account. At around the time of the withdrawal ( between XXXX pm and midnight ET ), I was at a concert in downtown Washington. My home computer was left on and running -- I do not know if someone had access to it while I was away, but it could be the case. When I was at the concert, I did temporarily offer someone my phone so she could allegedly call her mom to pick her up. I do not know if that is when the transaction happened, but it could be. 

On XXXX XXXXXX/XX/XXXX, I noticed the transaction in my records and knew it was fraudulent. I called Chase Bank to notify them of the unauthorized transaction. My passwords were changed and I was told that I would be given a final update on the case within XXXX to XXXX days. A temporary deposit of {$600.00} in credit was given to my account then. I requested information on the IP address and the name of the account that took money from my account. XXXX told me that they would mail me a physical report and to expect it in my mailbox within XXXX to XXXX  days. I did NOT receive this correspondence, but I noticed in my latest bank statement that XXXX had withdrawn the temporary deposit with no explanation given. 

On XXXX XX/XX/XXXX, I called XXXX to file a police report. The police officially filed the report as an unauthorized transaction on XXXX XX/XX/XXXX. I have attached the police report.
Consumer complaint received 2024-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

XXXX I C System XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear I C System, I hope this message finds you well. 

I am writing to formally request a copy of the assignment contract related to the XXXX XXXX Verse bill in the amount of {$80.00} dollars that was discussed on XXXX XXXX, 2022. To ensure that all terms and conditions are clearly understood and agreed upon, I would like to review the formal contract at your earliest convenience. 

Please send the assignment contract to my email address at XXXX and to the physical address provided above. If there are any additional forms or information required from my side to facilitate this request, please let me know, and I will be happy to provide them promptly. 

Thank you for your attention to this matter. I look forward to your response and to moving forward with the assignment. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (CA)

In previous months, I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had corrected. Due to your lack of response, or responses which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to CORRECT the account listed below : XXXX XXXX XXXX XXXX Balance Owed : {$32000.00}
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, I was purchasing cryptocurrency ( XXXX ) on the exchange platform " XXXX ''. I had intended to buy {$200.00} USD worth. I have done this many times before, and have never had this happen. I initiated the purchase using the same account I have always used. After clicking the " buy '' button, on the XXXX app, I shortly received an email, saying I had " insufficient funds ''. This was absolutely not the case, I had more than enough funds in the account. Later that day, I logged onto my online banking app ( Truist bank ), and found that the {$200.00} had indeed been charged. I thought it was odd, but I assumed it might be a technical error, after reading similar experiences online that other people had buying/selling cryptocurrency during times of high traffic on XXXX. So I waited. I found the following day, that the {$200.00} charge was no longer pending on my account, and had gone through successfully. I checked my XXXX account, and I had not received the XXXX. Over the following 2 weeks, I reached out to XXXX support 4 times, No solution. I submitted a dispute with Truist, they denied it, saying I authorized the charges. I am not sure how this would not qualify as fraud. I paid {$200.00}, and got nothing in return.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

I opened a target circle card through TD bank and enrolled in XXXX XXXX on XX/XX/XXXX. I received an email thanking me for enrolling in auto pay, which led me to believe that my enrollment was successful. To my surprise, on XX/XX/XXXX, I received an email saying that my payment was returned ( {$420.00} ). I promptly logged in to pay my balance and then received another email on XX/XX/XXXX saying that payment was also returned ( {$490.00} ). I logged in again and attempted to submit an online payment for my current balance ( {$510.00} ). I used a different bank account this time. In doing this, I spoke to XXXX different supervisors. The first supervisor told me that the payment was declined because XXXX XXXX could not connect to my bank ( no idea why ). He did NOT mention anything about my account being closed, and I have not been notified of any such closure. I then called back for help paying online and a second supervisor told me my account was closed on XX/XX/XXXX due to the returned payment. I then called a third time and spoke to yet a third supervisor who said my account was closed XX/XX/XXXX. I have no idea what is going on and whether my account has been closed, and whether they have notified credit bureaus, but this is absurd and not my fault. I pay all my bills on time, I set up auto pay, and I have no idea why XXXX XXXX was unable to connect to my bank account to receive payment. If there was an inability for their servers to reach my bank account, I should have been notified of that when I linked the XXXX accounts -- not after the fact and not once they started the process of damaging my credit by closing my account. At this point, I have no idea what is going on as each supervisor says something else and I have not received any written communications. I also did a quick XXXX search and it seems that XXXX XXXX XXXX has done this to numerous other customers.
Consumer complaint received 2024-08-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC. (MI)

My truck was stolen on XX/XX/XXXX the day after my birthday, crashed and left abandon. I went to police station reported my truck stolen and was told it was at the tow yard on the XXXX XXXX XXXX. I went to the tow yard recovered my truck that was damaged badly. I had it towed to a shop on XXXX and damages was excessed at {$10000.00}. I had my truck since XXXX and my payments was being made some behind, but I had caught up on my payments and spoke with Santander and XXXX about what occurred to my truck. I could not afford the repairs due to no insurance, so I asked Santander to go get my truck as a voluntary repossession. I had Gap coverage, so I reached out to Gap and weeks later I received a call from the XXXX Police stated Santander informed them my car was reposed. Then I later received information from Gap coverage that Santander reached out to them and informed them to discontinue my gap coverage due to repossession. Now i am left with a XXXX balance on my credit report. XXXX stated the truck was sold to a private lot for XXXX. I have not received any information on the difference since the truck was sold to a private lot and I do not understand why Santander lied about repossession of my truck.
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/year> I wired {$25000.00} from my XXXX XXXX checking account to my stepson 's Chase account. The name of the recipient was correct but the account number was wrong by a couple of digits. multiple requests to have that money returned to my checking account or have deposited it to the correct account number has failed to yield any information or response from Chase. XXXX XXXX tells me this is most unusual as money wired in error to an account the does not bear the name of the intended recipient is returned automatically to the sender. 
Chase has confirmed that that money is in their system but will not provide any further information. XXXX XXXX has placed multiple requests for return of funds to the originating checking account but Chase Bank has not responded.
Consumer complaint received 2024-08-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (AR)

XXXX still has the debt on my account from Southwest credit systems in the amount of {$3900.00}. I have already settled this debt with them in the amount {$2700.00}. I have the letters from Southwest credit systems for deletion and that the account has been satisfied in the agreed amount on XX/XX/year>. I received another letter from Southwest credit systems on XX/XX/year> showing that they have requested for deletion from all credit bureaus. My issue is that XXXX still has this account on my record. I am requesting that XXXX remove this account immediately from my report.
Consumer complaint received 2024-08-16
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: LEXISNEXIS (NJ)

I mailed in a bankruptcy dispute letter to lexis nexis on XX/XX/year> in which the delivery was confirmed My information is being listed without my written permission or authorization this account is in violation of 15 usc 1681b permissible purpose. my information was obtained under false pretenses which is a violation of 15 usc 1681q. You possess my information without permission to use it which is a violation of 15 usc 1028a aggrevated identity theft. I also have a court letter and a PACER letter that confirms PACER and the bankruptcy court did not verify this information with any consumers
Consumer complaint received 2024-08-22
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MD)

From XX/XX/XXXX to XX/XX/XXXX, I was employed by Best Buy. At that time, I had never applied for any form of credit or loan ( I opened my first credit card in XX/XX/XXXX ). Months after my departure ( around XXXX XXXX ), I checked my credit report out of curiosity as my credit union just added the feature on their site. 

I noticed a credit inquiry from a bank on XX/XX/XXXX that read " XXXX '' or " CITIBANK NA XXXX BEST BUY '' with the address info " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX '' and phone " ( XXXX ) XXXX '' ( that expires XX/XX/XXXX ). I was confused, then I remembered Best Buy sold store credit cards. I knew for a fact I never applied myself, as I knew nothing about credit and the process itself was too specific for me to have done it by accident. 

It required you to navigate multiple screens between the Cashier 's POS system and the customer pin pad. You also have to input the customer 's social security number into the pin pad, an entire process I definitely would've remembered. But I was scheduled to work that day and don't recall seeing anyone do anything particularly suspicious. 

On at least XXXX separate occasions between Mid-Late XXXX and XXXX XXXX, I contacted CitiBank, Best Buy, XXXX, and XXXX for XXXX. I requested to know when/where, and how this credit application was created and if it can be removed. Between the XXXX entities listed, no one was able to provide this information and/or stated that they were unaware of what credit application I was referring to. Then I was instructed to call a different person, department, or a separate entity ( like a game of hot potato ). 

To this day, XX/XX/XXXX, the only information I have is what I can see on my credit report. I'm less concerned with wiping the inquiry clean from my credit report, which I still would like, I'm more concerned with how this happened. 

Part of me believes this was done by Best Buy, possibly an employee, in order to satisfy a credit application quota. During my employment ( holiday season hire ), I was a XXXX XXXX XXXX XXXX. I had been being consistently assigned outside of my duty to work as a Cashier/Front End Specialist and made to convince customers to apply for a Best Buy credit card. We were meant to ask/mention in 3 times ( beginning, middle, and end ) of every customer transaction and offer brochures/use them for demos. 

The purpose of this was to work harder to reach/surpass a set daily quota of " apps. '' Everyday working there, you'd hear managers and front end workers talking about getting apps or scrambling to make sure theyre getting on them promptly. I dont outright claim that an intentional fraud was committed, but I strongly suspect it.