davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX I, XXXX XXXX XXXX XXXX am submitting this complaint to request that the XXXX credit reporting agency block information appearing on my consumer credit report that is a result of identity theft and fraud. I request this action be taken within four business days of receiving this complaint. 

The fraudulent accounts, including KIKOFF Lending LLC ( {$320.00} ) and XXXX XXXX have led to several unauthorized hard inquiries and collections reflected on my consumer credit report. I do not recognize these accounts or inquiries as they were not opened, made, or initiated by me. They are solely the result of identity theft and fraud. 

I have attached a list of the fraudulent hard inquiries and a copy of my consumer XXXX credit report, which illustrates the fraudulent items. Additionally, I have included a copy of the FTC Identity Theft Criminal Complaint as proof that these accounts are fraudulent.
Consumer complaint received 2024-10-11
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. (LA)

I had over {$900.00} of unauthorized charges on my Chase Checking account. And they have denied my dispute 4 times since XXXX. They claim I authorized the transactions when I did not. They broke Reg E rules and the person who committed fraud even admitted that they did so on my account. I provided the email transcripts to chase but they continued to deny and close my claims. They have constantly given false promises of timeframes, callbacks and escalations. Theyve basically called me a liar when Ive already proven several times otherwise. My account has been highly overdrawn for months and this has caused extreme financial hardship and taken a serious toll on my mental health. I already suffer XXXX and XX/XX/XXXX but this has caused extreme financial a lot of distress.
Consumer complaint received 2024-10-03
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: FIRST PORTFOLIO SERVICING INC (IN)

Revvi Card did not properly investigate a card dispute. I disputed that a merchant charged my card after authorization was revoked. They changed my card information without my permission and instead disputed it as fraud when it was not a fraud charge but rather a charge after authorization revoked. They have refused to let me speak to anyone about this unauthorized charge and refuse to refund the charge. I want my card credited and them to properly dispute.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-07-11
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. (TX)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

Last week I became victim of an imposter scam. I received a phone call from somebody posing as a chase fraud customer service agent. This person informed me that a wire transfer of over {$5000.00} was attempted on my account as well as multiple XXXX transactions. This person was able to move my money from my savings account to my checking account, right before my eyes. I was on the phone with them and signed into the bank app and saw them do it ( it is clear on my act that i did not move the money ). I didnt give consent and they didnt tell me they were going to do it but I checked my account when they were telling me what had occurred. Caller ID said Chase and with them being able to move my funds without my assistance, I assumed it was a Chase representative after all. After about an hour and a half of discussion and the representative trying to make my account safer by turning on the two-step authenticator toggle button, and telling me different ways, this might have happened to my account any how to keep my act safe, they told me that I would need to help them do a manual override to reverse the XXXX payments that were pending. In essence, I was paying myself back the XXXX to override it. I felt uneasy about this so I used my XXXX XXXX phone to call the number back and in fact received the XXXX customer service Phone number. So again, I believed that I was talking to a XXXX representative after all. I followed through with the directions I was given and by the next morning, I was out {$4000.00}. I have tried to resolve this with XXXX and they said that because I sent the XXXX that theres unlikely any resolution to occur. However, they do acknowledge it was a scam and that it was fraud for this person to move my money from my savings to my checking. They said theyre sorry
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: FIRST HAWAIIAN, INC. (GU)

XXXX XXXX, Co-owner, confirmed that I have the Traditional IRA and still active. She said that I am over wealthy in revenue that the Guaminians  disbelieved and a staff in XXXX XXXX requested I leave the premise.
Consumer complaint received 2024-10-09
Product: Credit card — Store credit 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: CITIBANK, N.A. (MD)

On XX/XX/XXXX I purchased online XXXX XXXX of Best Buy XXXX order # XXXX Amount {$180.00}. I was told to expect delivery on XXXX. Then I received a text saying that it was coming earlier on XXXX. Then I received a text saying that it would be delivered XX/XX/XXXX. On XX/XX/XXXX, nothing came so I called Best Buy customer support, who gave me a XXXX  XXXX number to call- and that was wrong. It was supposed to be delivered by XXXX. I called them and they told me that they did not have a record of the order. So I called Best Buy back and asked them to please cancel the order. The agent said they could deliver by XX/XX/XXXX and I said no. I want a refund and cancel the order. He said ok. you should receive a credit in about XXXX to XXXX  days. I have not. So I wrote to XXXX XXXX XXXX and they said that they would investigate. It is not almost 30 days since I canceled the order and XXXX XXXX XXXX have not sent XXXX word or anything other than that they are investigating. How hard can it be to track the order and verify that it was never delivered. I bought a cheaper microwave from XXXX.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO Bank, N.A. (OR)

I took a balance transfer offer from XXXX XXXX  and XXXX of the banks to pay off was an account at BMO. I discovered that BMO demands XXXX XXXX  issue a paper check for balance transfer payoffs instead of an ACH or electroniic transfer. XXXX XXXX  issued a paper check to the correct payments address of BMO on XXXX24. It is obvious that paper check has been received at XXXX XXXX XXXX XXXX XXXX IL. Yet BMO claims to not have received any check and refused to investigate or put a trace. 

Then I discover BMO will not process any payments via paper check on date received, instead it is the date of THEIR CHOOSING to open the envelope containing the paper check. This means while the consumer could post a paper check 30 days before the due date, it will NOT be accredited as being on time or processed in a timely manner because BMO won't date the payment until they have collected the mail from the payments XXXX XXXX and opened it, processed it! 

So, this puts me at risk for paying 24 % interest on an account and also missing a payment date while BMO 1. insists on paper checks XXXX delays processing those checks XXXX refuses to acknowledge or accredit the check issue date Finally blames USPS for " losing mail '' and taking XXXX business days to deliver a XXXX class envelope from MO to IL, the next state over and XXXX hours away. 

I find this to be fraudulent, clearly BMO is trying to delay payments and balance transfers in order to charge late fees and interest and lower consumer 's credit score.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Consumer complaint received 2024-10-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

On XX/XX/XXXX XXXX provided me and Mr Cooper the information regarding my insurance renewal such as the inception date XXXX XX/XX/year>, the amount due {$1300.00}, and payment address. I then contacted Mr Cooper with the same information and got a response on XX/XX/XXXX saying they received the information. Mr Cooper says payment was mailed in the form of a bulk check on XX/XX/year> allowing only XXXX buisness days for XXXX to receive and process the check. On XX/XX/XXXX XXXX sent me a email stating they have not received payment from Mr Cooper. As of XXXX XX/XX/year> XXXX has yet to receive payment. On XXXX XX/XX/year> I paid my insurance policy in full to make up for XXXX XXXX failure to provide guarantees that the check was actually sent such as a tracking number. They provided a check number XXXX stating it was in the form of a bulk check. The morning of XXXX XXXX I contacted Mr Cooper and was not provided with any other answers as to why their check has not been received by XXXX and said all I could do is wait for XXXX to process the check and then they would send me a refund due to me paying what Mr Cooper was responsible for. Mr Cooper has demonstrated that it did not take ownership of this issue and accepts this situation as industry standard practices and most likely not correct what caused this problem.
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was a victim of a {$220.00} XXXX scam on XX/XX/year>. A person, who only referred to himself as " XXXX, '' promised to provide a service in exchange for the payment. When I asked for his full name and location, he refused to give me any specifics, only saying he was from outside the USA and asking, " Don't you trust me? '' After I made the payment, XXXX failed to deliver the promised service and immediately blocked me on XXXX and all other communication channels. I filed a claim and received a refund on XX/XX/year>, but to my shock, on XX/XX/year>, the {$220.00} was reversed without my authorization, and the funds were withdrawn from my account again. When I contacted XXXX and Chase, I was told the refund was initially credited by Chase but later taken back. I feel helpless and deceived, and I am urgently seeking assistance to recover the funds and stop any further unauthorized actions on my account.
Consumer complaint received 2024-10-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: WMC MORTGAGE, LLC (WA)

XXXX XXXX obtained a home loan fraudulently on XX/XX/year> .... he was part of a mortgage " scheme '' ... he obtained the home at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX is on the loan as the purchaser but he does not know about this loan. XXXX XXXX has been living at the house since the time the loan was processed. He pays the house note by XXXX XXXX so as to not alert anyone. He has been putting liens against the home ( see attached document ) the house will then go into foreclosure and he plans To aquire the home... worth XXXX. 
He and several of his friends ( XXXX XXXX ) were part of the housing market crash in XXXX. 
Look at the amount of each XXXX XXXX XXXX has been putting against the house while he lives in it. He runs a XXXX XXXX XXXX XXXX XXXX XXXX from the house. You can see this on XXXX search and attached Secretary of State filings attached. 

I moved in with XXXX XXXX and found the XXXX XXXX payments with XXXX XXXXXXXX XXXX name on them ..I asked who owned the house he said he did and for me to mind my own business. 
I did a background and property Search ... I moved out because of all the fraudulently things XXXX XXXX is doing with LLC companies and mortgage fraud. He is part of hope housing foundation that would assist him finalizing obtaining the property at XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
If you've further questions you can call me at XXXX. Please don't let him continue to do this... him and his friends ruined many people 's lives from XXXX to the present. 
XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (KY)

Chime Financial has locked my account which has roughly {$1700.00} in my credit builder. {$940.00} of the {$1700.00} is from a direct deposit from Ssi on behalf of my XXXX son. The remainder of the balance is from myself cashing a paycheck at my local XXXX and making 2 deposits at the same time of {$500.00} in each deposit. ( I did spend some of the paycheck deposit before my account was locked. The direct deposit of SSI arrived after my account was locked so I haven't been able to access that at all. ) On XX/XX/year>, I requested a transfer in the amount of {$1000.00} from my XXXX XXXX XXXX  account to my Chime. This transaction was denied and Chime locked my account over it. Chime is requiring me to provide them with multiple documents in which I have been able to provide all but one. This one document is a statement from XXXX XXXX that states why the requested transfer on my behalf was denied. XXXX XXXX has refused to provide me any document and has also blocked my number from calling them as well as stopped responding to any emails or secure messages via app or website. I gave Chime my permission to request this document on my behalf since XXXX XXXX has decided to ignore me all together and Chime can't or won't request this themselves. Therefore, my account remains locked by Chime and so does my funds. I do not know of any direction to take other than this to begin to gain access to my funds. I understand Chimes reason for locking my account but I don't understand how they expect to unlock it when I can't provide what they require. 
I was scammed by a fake XXXX XXXX XXXX and I deposited the check the rep sent into my XXXX XXXX account. XXXX XXXX cashed the check and I was to pay the XXXX XXXX XXXX when they were to come to my house to wrap the vehicle minus my weeks pay. Then I was made aware that I was to pay the XXXX XXXX via XXXX XXXX XXXXither by XXXX XXXX XXXX XXXX XXXX  limits, I was not able to withdraw enough money for the rep at one time which resulted in me using a different avenue from my Chime account. It was denied. I was scammed and provided XXXX XXXX with any documentation I had regarding being scammed. XXXX XXXX closed my account understanbly and my XXXX XXXX bank account remains at a roughly over $ XXXX because of me being scammed. XXXX XXXX has since ignored and blocked my number so I can not know any steps to take to try to resolve this matter nor are they willing to provide me any documents I need to unlock my Chime account. I do not know what to do or where to go to try to resolve this. I am scared as I have never been in this situation before and being left in the dark by XXXX XXXX doesn't help matters and now being restricted to access my funds via Chime has me even more financially broke. I have made multiple attempts to communicate with XXXX XXXX and Chime. I have already submitted a complaint on CFPB for XXXX XXXX. Thank you, XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA (CO)

Upon signing up for an XXXX Amtrak credit card ( XXXX XXXX ), I thought I was singing up for XXXX points ( Amtrak ) after spending a {$1000.00} in the first XXXX billing cycles. When I spent the required {$1000.00}, I never received the XXXX points. I call the bank today ( XXXX ) to ask why the XXXX never posted to Amtrak. The rep informed me the I did not meet the qualifications upon signing up. The offer they said I signed up for was for XXXX points after spending {$2000.00}. I had no idea an offer was listed for this XXXX. I find this misleading and feel I was not in the wrong. I asked the back to honor the XXXX I believe I signed up for and they would not. I asked them that I wanted my $ 99 year fee back because this was not the card I signed up for. The said they would not. I went ahead and canceled the card as of today. I know it was XXXX points because My uncle signed up for the same deal and his is for XXXX.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (NH)

Misleading redirection about a change to your credit which is actually an offer for a free trial that then gets billed at {$XXXX} per month after the first week. Clearly deceptive marketing.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (CA)

TD bank the issuer of Nordstrom Credit card XXXX, closed my account based on information that was on my credit report that was a result of XXXX XXXX. Which violates the 605C FCRA law. When I informed them of this violation that dismissed me and did not resolve the problem.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.