davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Here is the summary of the banking issue faced by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX with Chase Bank regarding a rent deposit refund check. 

* Residential Details : The trio resided at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and moved out on XX/XX/XXXX. The apartment was rented under the names of XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. 
* Check Details : Upon moving out, XXXX XXXX issued a check for the rent deposit refund amounting to {$3900.00} ( check number XXXX ), payable to all three tenants. The check was issued on XX/XX/XXXX, and sent to their new address at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. 
* Bank Issue : XXXX XXXX tried to deposit the check online using her Chase bank account. However, the check stayed in a 'pending ' status for an extended period before XXXX XXXX account was unexpectedly closed by Chase XXXX 
* Bank Visit and Verification : Following the account closure, all three individuals were asked by Chase to appear in person at the bank branch to verify their identities. Despite XXXX and XXXX being out of the country, all three of them managed to visit the Chase branch. They presented two forms of identification each and were informed by XXXX XXXX XXXX, Assistance Vice President, Private Client Banker - SB/MOD, that XXXX could XXXX a new account, and the funds would be credited within five business days. 
* Delay and Non-Fulfillment : Despite repeated assurances, the money was not credited to XXXX 's new account. Instead, they kept receiving calls for re-verification and were continually redirected to other staff members. 
* Inability to Issue New Check : Meanwhile, XXXX XXXX attempted to issue a new refund check but were unable to retrieve the original funds from Chase Bank. 
* Fraud Department Interactions : After approximately six weeks, Chase called again, informing them that the fraud department was providing " push-backs '' and they could no longer assist. The bank promised to reach out with instructions on filing a complaint, which they never did. 
* Evidence : XXXX received a letter from the bank showing the debit transaction details of - {$3900.00} and stating that her account was closed on XX/XX/XXXX. She also received multiple voicemails from Chase 's executive office, with the case number XXXX. 

The clients are left in a precarious situation with their rightful funds unjustly withheld by the bank. They are looking for legal assistance in retrieving their money from Chase, which they believe was unjustly taken under the pretext of a fraud suspicion. 


This is the Chase case number XXXX XXXX phone XXXX ( XXXX ) XXXX extension XXXX XXXX phone number ( XXXX ) XXXX extension XXXX Infos of XXXX branch person we spoke to at Chase XXXX XXXX XXXX XXXX XXXX Assistance XXXX XXXX Private Client Banker - SB/MOD NMLS ID : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Office XXXX XXXX Service Line : XXXX XXXX XXXX
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In 2012 a credit card was applied and enrolled for me by Bank of America without my knowledge. I became aware of the credit card when I received it in the USP mail. Over the years I was charged extremely high interest rate fees. I have also been receiving unjustified fees for " cash withdrawals '' for the total account balance which is in the thousands. I never made cash withdrawals for thousands of dollars from the credit card. Over the years I contacted BOA many times to clarify that I did not receive cash withdrawals for the full account balance. Couldn't understand why I was being charged for these exorbitant fees. Each time I called I was told by the BOA customer representative that I needed to pay these extremely high fees or my account would be sent to collections. So over the many years I have continued to pay these exorbitant fees with no end in site to pay off this falsified credit card. I have in good attempted to pay my credit debt and have been financially indebted to BOA since 2012. I am seeking resolution to the never ending exorbitant fees.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Place XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1984 I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX CO XXXX {$12000.00} XXXX XXXX XXXX {$2400.00}
Consumer complaint received 2023-03-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I have requested an investigation of some account reporting on my credit file but it's been almost a year and no evidence or communication that these accounts have ever been disputed for the credit reporting agency. I've sent in disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, really every month until this current month and year XX/XX/XXXX with no action on the CRA 's part to investigate.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, 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)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-10-31
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: DISCOVER BANK (PA)

On XX/XX/2023 I purchased a XXXX XXXX on the XXXX XXXX located in XXXX XXXX Once I arrived I was notified that the cruise was cancelled because of bad weather and rescheduled for XX/XX/2023. I and my guests arrived at XXXX XXXX for the XXXX XXXX cruise only to find out that it was also canceled and rescheduled for the previous night XX/XX/2023. I was never notified by phone or email or any other way that the cruise was moved to yet another date. I filed a dispute with Discover stating all of the facts above. Discover claims that the charge was valid and no refund is available. At this point, I am to assume that Discover purchases are not protected against fraud which is clearly fraud.
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (IL)

I received a Nordstrom credit card in the mail that I never applied for. I called Nordstrom and told them that I never replied for the card and they told me that they shut the account down and would investigate. They asked for my Social Security number. Two weeks after I notified them, I received a credit card statement in the mail with charges upwards of {$1800.00}. I called them again and told them this account was fraudulently opened in my name. They said that the fraud department was still investigating and that I should wait to hear from them. Its been a month and I havent heard anything.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX TX XXXX DEAR EXPERIAN XXXX am writing to formally dispute the reporting of the charge-off account associated with account number XXXX AMOUNT OWE {$4500.00} my credit report, Under the FAIR Credit Reporting Act ( FCRA ), specifically 15U.S.C1681i ( Reinvestigation of Disputed Information ), and 15 U.S.C 1681s-2 ( Responsibilities of Furnishes of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this accounts reporting. Additionally, under WA law, I am requesting proper validation of this debt. 

I would like to highlight several cases that affirm my right to dispute this information and request accurate reporting. In CUSHMAN V. TRANSYUNIONCORP,115 F.3D 220 ( 3d Cir.1997 ), the court emphasized the duty of credit reporting agencies and furnishers to ensure the accuracy of the information reported on consumers credit reports. Furthermore, JOHNSON V. MBNA AMERICA BANK, NA ,357 F.3d 426 ( 4TH Cir.2004 ) reinforces the requirement that furnishers conduct proper investigations into disputes and verify the accuracy of their reporting.

To properly validate this account, I am requesting the following : I am requesting full double- entry accounting records for the account mentioned. This should include a detailed breakdown that shows how all transactions were debited and credited, ensuring compliance with standard accounting principles. Please note that I do not wish to receive a simple list of charges or statements. I expect authenticated evidence of the debt. 

In addition to the accounting records, I require authenticated evidence, in compliance with WA law, that you have the legal right to report and collect this debt. This includes original signed contracts or agreements that show my obligations to pay the debt and your legal right to enforce collection and report it to creditors without evidence, the continued reporting of this debt may constitute a violation of both federal and start consumer protection laws.

If this debt has been forgiven, canceled, or settled for less than full balance, I am requesting a copy of the 1099-c form filed with the IRS, which is required if the canceled debt exceeds {$600.00}. If you have not provided this documentation, the debt may be considered discharged, and it should no longer be reported as owed to my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

On XX/XX/XXXX I applied for a loan from Titlemax for the amount of {$350.00}. I have made over 10 payments of {$170.00} in which I believe that I have already overpaid. However, it was at this point when I found out that I had to pay an extra {$500.00} dollars in order for my account to be closed. Nevertheless, On XX/XX/XXXX I reached out to the manager regarding these charges and I told her that due to my limited income I can't afford to pay this amount. The same situation occurred in XX/XX/XXXX again I told her that my monthly income and how the cost of living my rent and utilities consumes my whole check. The manager ( XXXX XXXX XXXX ) provided me this solution that If I would borrow {$200.00} from a family member or friend the remaining balance will be a write-off. 
I wasn't told on the day of signing this contract that there would be an additional fees to pay. I believe that I already overpaid on this account. Titlemax, I have found this incident to be unfair, deceptive way of doing business. Please help me to resolve this matter.
Consumer complaint received 2023-05-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.
Consumer complaint received 2023-05-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

I applied for a heloc on XX/XX/2023 - my information was incorrect. On XXXX XXXX I received a letter in the mail that my accounts were closed due to me being deceased. I am currently still alive and someone has committed death fraud against me
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2023-05-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-03-12
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: AMERICAN EXPRESS COMPANY (WI)

Yesterday I opened a piece of mail from American Express ( already a couple of days old ) and it was a letter stating that my application was being processed. I never applied for an American Express card so I called the fraud department and spoke with XXXX. They froze the application. The email on the application was not mine but instead was XXXX. I filed credit freezes with 5 major credit reporting companies and also filed an initial fraud alert. I looked at my credit report and it shows recent ( XXXX/XXXX/23 and XX/XX//23 ) inquiries using my phone number but an incorrect address of XXXX XXXX XXXX XXXX XXXX, WI XXXX. Aside from American Express, there were also non-commercial offer inquiries made by XXXX XXXX and XXXX. I contacted both and verified that there were no open accounts or open applications. 

I suspect that my information may have been leaked through accessing my account on SAM.gov. I received an email from them about a week ago indicating that someone had updated my profile posing as an employee with an email of XXXX. I logged in and checked my account and found no abnormalities, but it does contain sensitive information such as addresses, phone numbers, and SSN/EIN. I had two-factor authentication in place but I changed my logon credentials immediately anyway. On their website they had a message about an erroneous alert to multiple administrators regarding account updates. Still, it's odd to provide a XXXX email address in the email alert. I now plan to contact the Federal Service Desk to see if they can give me more details on what was accessed or changed in the account.
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (MS)

I have spoke. With XXXX. I do not have a bill. They agreed. I call southwest collection and they know it is a fraud. Why isnt it taken off? It said derogatory which is not true. The collection agency said they would take it off. They did off of one credit bureau but not this one
Consumer complaint received 2024-08-26
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. (NY)

I am writing to dispute a fraudulent account on my consumer report. I request an investigation and permanent removal of the inaccurate account in accordance with the Fair Credit Reporting Act ( FCRA ) section 611. I'm also requesting verifiable proof, a contract with my signature accurately showing this account belongs to me and how it was verified and immediately remove this inaccurate account from my consumer report due to violation of my consumer rights under 15 U.S.C 1681a Account Name : XXXX XXXX XXXX
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MO)

XX/XX/XXXX : My sister passed away Late XXXX : I met with attorney. Advised to keep one account open to receive any checks in sister 's name only. 
I notified US Bank via phone and spoke to XXXX XXXX to inform them of her death. 
XX/XX/XXXX : I went to XXXX branch of US Bank. I was told no beneficiary was listed on the checking account. They told us no further new transactions could come out of account and only pre-existing auto-pays such as her mortgage and utilities would continue. They told us the rest would have to go to probate. the plan was to request a small estate recovery once all checks had been deposited from sale of house. 
XX/XX/XXXX : ( date on letter ) XX/XX/XXXX : ( date of my phone call ) I received a letter stating that my stop payment request had been received. I never made any such request and obviously neither had my sister so I called to confirm they were aware she had passed. They would not discuss any information on the checking account or even discuss the letter but confirmed they were aware she had passed ( they transferred me to XXXX XXXX twice ). They did confirm no new business could come out of account. 
XXXX of XXXX : The house sold. 
XXXX and XX/XX/XXXX : Receiving checks from sale from real estate taxes and unused insurance. 
XXXX XXXX : Received statement from US Bank which showed an unauthorized withdrawal on XX/XX/XXXX of XXXX, XX/XX/XXXX of XXXX and XX/XX/XXXX of XXXX. I called US Bank again and once again directed to XXXX XXXX and told would sort these out once probate happened. 
XX/XX/XXXX : I spoke to attorney and started probate proceedings. 
XX/XX/XXXX : I received a statement from US Bank which showed an additional XXXX withdrawn on XX/XX/XXXX. I once again called and this was a repeat of earlier conversation. 
XXXX XXXX : I received statement showing unauthorized withdrawal of XXXX on XX/XX/XXXX. I did not call this time. 
XX/XX/XXXX : Probate hearing for small estate in XXXX XXXX XXXX. 
XX/XX/XXXX : Received paperwork from court. 
XX/XX/XXXX : Had an appointment with branch manager at XXXX XXXX. I presented my paperwork and was told I could only have what was left in the account. I wanted to discuss this further with the attorney. They assured me the account was truly frozen and no further transactions could occur ( even pre- arranged autopays ). I noticed even the XXXX to patreon my sister had coming out of the account stopped at this time. 
XXXX XXXX : I received statement showing another unauthorized withdrawal of XXXX from the account on XX/XX/XXXX. 
XX/XX/XXXX : I received Notice of Insufficient Funds in mail. They had actually given out more than what was in account. 
XX/XX/XXXX : I called and reported all above to OCC. 
XX/XX/XXXX : I filed my complaint. 
XXXX : referred my complaint to you by OCC
Consumer complaint received 2024-09-02
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. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.