davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

New Chase checking customers open a Chase total checking account will bonus XXXX XXXX 

On XX/XX/XXXX, we went to the Chase branch to apply for a card and activated the checking account on XX/XX/XXXX. However, the bank staff who opened the card for us did not tell us that we could get a bonus of $ XXXX.We didn't get a bonus, but the activity was active when we opened the checking account. 

I also sent an email to the bank staff on XX/XX/XXXX, but he told me that the feedback was too late to get the bonus for me. 

Since the staff of Chase concealed the bonus activity, I could not get the bonus I deserve, so I hope to get help from the CFPB.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

There is inquiries that wasn't authorized by me and it's affecting my life because I'm unable to obtain credit or loans only because I have way too much inquiries I would understand if it was me who made those inquiries but it wasn't therefore i want them to remove it from my credit report upon them reinvestigating the inquiries and if can't be verified please delete them.and send me a update credit report thank you
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

Early in 2023 I applied for a credit card from XXXX, through Synchrony Bank and was approved with a credit limit of {$1500.00} and i did not get an actual card from them for XXXX months as they kept saying it was mailed but I never received it. I finally received the card XXXX weeks ago and used it a single time for a purchase of {$200.00} or 12 % of the available credit. 

Subsequently, I received the attached letter advising that my credit limit had been reduced to {$200.00} based on a review of my " credit worthiness ''. This decision negatively impacted my credit score because this reduction resulted in a negative impact on my credit as it now shows that I have used 95 % of the available credit on this card.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TX)

I am saddened with the result that I got when I saw my credit report. I send many dispute and still you cant remove the inaccurate information. The furnisher failed to send me a proof to support their claim on status of these accounts and yet you guys are able to verify your account? How can you verify these accounts? How can you verify these when the furnisher cant? 

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
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I contacted XXXX regarding a {$1400.00} debt created on through fraud using my social security number and most likely part of my name on or around XX/XX/2023. XXXX transferred me to their collections then to the fraud department. Each representative was being recorded by XXXX and by their own system and at each level was informed of the recording. The Fraud Representative with XXXX verified that the address I provided, my address for the past 7 years, was not in their system. He further verified he did not have record of my middle name or the phone number I provided. They are investigating but refused to provide me the name and information of the individual. I have filed a police report with the City of XXXX regarding the fraud that Comenity/Sephora facilitated by issuing credit to someone besides myself which has negatively impacted my credit score. XXXX Police Report tracking number currently is XXXX and the reprort was filed on XX/XX/2023. I attached the initial police report and a copy of the Esperian report for the file.
Consumer complaint received 2023-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (DE)

Our escrow check was mailed to another client with a mortgage from Chase and cashed via mobile banking from a XXXXXXXX XXXX in a different state ( XXXX PA ), check # XXXX in the amount of {$5600.00} cashed on XX/XX/XXXX with a routing # XXXX.We received someone else 's escrow check that we immediately returned to Chase as the name on the check was not ours. We then never received our check. We have spoken to XXXX XXXX, XXXX XXXX, XXXX XXXX to name a few. We have been sent numerous times to call centers in XXXX and other countries only to have to begin the escalations again and continually get transferred. Chase lost or claimed to not be able to read our first documents that were sent in XXXX that sent 3 ways : via email, fax, and snail mail. Escalations began on XX/XX/XXXX when we realized that our excess escrow money was NOT rolled into reducing our mortgage payments. I was sent a copy of the fraudulent check from Chase who tried to claim no fault. Same thing from XXXX. There are two names on our check and both banks have our signatures on file and we always made to both sign as we have separate checking accounts- whomever mobile deposited this check did so with one scribble and a click of their phone. 
We have filed multiple forms, multiple times, met with XXXX reps, had a minimum of over XXXX calls in over 6 months totaling 80 + hours of our time trying to get our check reissued and have someone take responsibility. These banks have insurance to cover this and it has gone way beyond the time frame allowed for resolution. We have gone to XXXX ( who allowed this to be cashed ) and still no one is taking responsibility. We have been to fraud, to escalations ( chase escalations # XXXX ) to our mortgage lender to a law office. We are extremely frustrated with how we are being placated with " we are working on it '' and no one is trying to make good on their error. We have done nothing wrong except to uncover the fraud and attempt to get our escrow check.
Consumer complaint received 2023-07-17
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XX/XX/2022 I never authorized this inquiry XXXX XXXX XXXX XX/XX/2022 XXXX never authorized this inquiry XXXX XXXXXXXX XXXX XXXXXX/XX/2022 I never authorized this inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I never authorized this inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I never authorized this inquiry XXXX XXXX XXXXXXXX XXXX XX/XX/2022 I never authorized this inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2017-04-05
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: UBS BANK USA (CA)

As a former employee of XXXX, I participated in an employee stock purchase program managed through UBS. After leaving XXXX I continued to hold my XXXX shares with UBS and managed dividend stock purchases and disbursements through their website. I held a " paperless '' account with UBS for 11 years, receiving statements and notifications via email. Today I logged into my UBS account to execute a sale/disbursement but was not able to make the transaction and was instructed to contact UBS. I called UBS and was told that my XXXX account had been transferred to a " wealth management '' account but I could not transact shares through that account. In order to complete my stock sale, I had to pay a {$75.00} annual fee for the wealth management account I was never notified of and a {$70.00} fee to sell the stock! My complaint is UBS making this account change without prior notice. Had UBS notified me prior to these changes, I could have liquidated my account and paid no {$75.00} annual fee and no {$70.00} transaction fee. This is robbery on the part of UBS.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I tried to buy a used XXXX XXXX from a used car dealer and I was not able to register the vehicle because XXXX XXXX NOR THE DEALERSHIP HAD A TITLE for this car, so I demanded all my payments and my down payment of {$15000.00} back. They both had ( 7 ) months to obtain a title and neither one could produce one, so after my money was returned.XXXX XXXX reported me t the credit bureaus as ( 30 ) days late, which decreased my credit score by nearly ( XXXX ) points. Now they refuse to correct their mistake for violating the Ga state statute on selling cars without a valid title and leal ownership.
Consumer complaint received 2017-04-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: COMMERCE BANK (SC)

I closed this credit card account about 1 1/2 years ago. They keep assessing my account a maintenance fee, do n't send me statements, then I get past due notices from them saying I owe them for the maintenance fee and then months worth of late fees, this time around, {$320.00} and they are leaving derogatory remarks on my credit, which is hurting significantly! 

I have called and spoken with them twice ( the last time I did was with XXXX ), and they had removed the charges from the past times this happened and assured me it would n't happen again. I asked for something in writing, but XXXX said she could not provide me anything in writing. 

I got another notice on XX/XX/XXXX about it saying I owe them {$320.00} ( most of which are for late fees on an account that was paid in full and closed in XX/XX/XXXX, w/out ever sending me a monthly statement ). This is now negatively effecting my credit score!! 

The name of the bank is Commerce Bank, XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX. 

Again, this is the 3rd time it has happened, the past 2 times I called them and they said they took the charges of the account and said that everything was resolved and the account was closed. Both times I spoke with them, they told me everything was cleared, the account was closed for good, and it would not happen again. 

I do not have access to the full, 16-digit account number anymore ( the card was discarded 2 years ago and I no longer have online access ).
Consumer complaint received 2023-10-30
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: HW Holding, Inc (IN)

I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have a debt on my account for XXXX $ for a credit card for XXXX XXXX. they said i was authorized as a user but I NEVER DID THAT OR APPROVED THAT. please remove this from my account.
Consumer complaint received 2023-11-09
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. (IL)

These accounts have led to the deterioration of my credit score and have directly resulted in my current living situation in a shelter. The following collection accounts, which do not belong to me and were not authorized by me, have severely affected my financial well-being : 1. Account Name : XXXX Account # : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$700.00} Date Opened : XX/XX/XXXX 3. Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$78.00} Date Opened : XX/XX/XXXX 4.Account name : XXXX XXXX Account # XXXX Balance : {$8800.00} Date openXXXX 5.XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX Date open : XX/XX/XXXX Balance : {$380.00} The inclusion of these inaccurate and unauthorized accounts on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623. These entries have not only damaged my credit score but have also adversely affected my housing prospects, preventing me from securing a suitable apartment and forcing me into a shelter.

I demand an immediate and thorough investigation into the origin of these accounts. Should this matter not be resolved in a timely manner, I will be compelled to seek legal action against the involved parties, including both the creditor and the credit bureaus. Furthermore, I hold the right to pursue damages for the financial and emotional distress caused by the negligence and violations of the FCRA.

I request the immediate removal of these accounts from my credit report and a written confirmation of the removal within the time frame required by the FCRA. Enclosed, please find copies of my credit report sections highlighting the disputed accounts and any additional supporting documentation.

Your prompt attention to this matter is imperative, and I trust that you will handle this dispute with the urgency it deserves.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Upgrade, Inc. (OH)

I used my atm card issued by upgrade and did not receive any funds I tryd processing the same XXXX withdrawal transaction 5 different times because I kept getting error message andy car note was pass due. Finally after the fifth attempt I left the ATM totally unaware that what that error messages code it was displaying some in regards to them taking my money. nevertheless once I found a total of XXXX was missing from my upgrade checking account I immediately called upgrade to dispute the missing funds. Upgrade failed to do a proper investigation and as yesterday XX/XX/23 they representative told me they were unable to provide documentation used in the investigation to deny my ATM. Upgrade has clearly violated my Consumer rights by not giving my money back, providing documents in a timely manner and by not communicating none of this dispute process with me.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (SC)

In XXXX I was notified by one of my credit tracking agencies that my credit score was being adversely affected due to the closure of one of my credit cards. The card identified was my TJ Maxx Card. I received no notification from TJ Maxx. I contacted TJ Maxx and asked and they confirmed that the card had been closed. I asked why and they said because it had not been used for a certain period of time. I asked if they had tried to notify me and they said " no '' that was not their policy. I explained that I had just moved that month and was now near a TJ Maxx store. While their card can be used outside their store, I typically just used it at their stores. Prior to XXXX I lived in a small town in XXXX and there was not a nearby store. I actually still have several hundred dollars in TJ Maxx gift cards I need to use. I mentioned that my other cards all contact me about usage and allow me time to use the card to keep it active. They said that was not their policy. My card indicates that the card does not expire until XX/XX/27. 
I actually like their stores and I'm not sure why they would treat a loyal customer this way. I think it is extremely poor business. Aside from that it has affected my credit score in a negative manner with no notice or opportunity to correct the matter.
Consumer complaint received 2017-03-04
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SLM CORPORATION (NY)

Upromise, a service run by XXXX, promises cash back when you use certain services via links from their website. The cash back you earn from spending on upromise partner websites is transferred into your children 's XXXX college savings accounts. Overall it is a great service but last year I had a trip planned to New York and would be spending roughly a month in a XXXX. Upromise offered 5 % cash back if you booked from their site. I did book directly from Upromise 's website and stayed at the XXXX. Upromise has not honored my stay. I have provided receipts and I did book carefully from their website yet upromise has denied me the cash back which is roughly {$400.00}. This is a significant amount for my children 's education account. I am upset and feel that upromise has misrepresented their services. Can you please help me? I feel like I have rights here but I need help to fight XXXX. Thank you, XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

There is inquiries that wasn't authorized by me and it's affecting my life because I'm unable to obtain credit or loans only because I have way too much inquiries I would understand if it was me who made those inquiries but it wasn't therefore i want them to remove it from my credit report upon them reinvestigating the inquiries and if can't be verified please delete them.and send me a update credit report thank you
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (PR)

I received a letter on XX/XX/2017 alleging I had an unpaid tax balance in the state of Maryland. I have never lived or worked in the state of Maryland, and have only been there once to visit XXXX XXXX as a tourist. After submitting a letter requesting more information and disputing the debt, I received a letter supposedly from the Comptroller of Maryland stating that the balance due was based on information provided by the IRS stating that I filed a Federal return using a Maryland address. However, they could not find a Maryland return processed. I have never filed a federal tax return, because I live, study and work in XXXX. This information is clearly wrong.
Consumer complaint received 2023-05-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I applies for modification end of XX/XX/2023 after not able to make mortgage payment on time in XX/XX/2023. 

Over the last 6 weeks Mr.Cooper aka RightPath Loan Servicing has asked for same documentation 3 times. I attach a document and then next time XXXX call.to check up the underwriter can not find it or wants another copy. 

Nothing has changed but they ask again for same document for loan modification.
Consumer complaint received 2017-04-09
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE (LA)

The complain is for an non-authorized credit card payment on XXXX of {$1700.00}. 

At the end of XX/XX/XXXX I called XXXX to see how much money I needed to pay, in order to pay off an old purchase I had with them under special financing ( 1 year without interest ). On my conversation with their agent I was told I had to pay {$550.00} in order to avoid paying interest for my purchase. The agent himself suggested to make this payment online ( web system ) as it is usually faster ; then he asked me based on their standard procedure if I wanted to make that payment of {$550.00} over the phone that I clearly rejected. 

I proceeded to an online payment of {$550.00} ; few days later I noticed that XXXX not only charged me the {$550.00} as expected, but on top of that they had another transaction of {$1700.00} ( not authorized ). The irrational of the story is that I paid in total more than my overall balance, leaving with me with an extra {$500.00} credit! 

I called them and reported the non-authorized transaction ; they were able to see that I did the {$550.00} online and said that the {$1700.00} were authorized over the phone. They also saw the irrationality on the payments ( paying more than I owe ), but they said they need 5-10 business days to return my funds. 

Then I called my bank ( XXXX ) trying to straight this out, as I did n't had these money and i was left with a negative balance ; my bank said that they payment will be rejected as I did n't have enough money on the account ; this happend and I was able to see the transaction cancelled. Few days later though XXXX charged me again the {$1700.00} which are now taken off my bank account. In continue to my conversations with XXXX, they said they will need again 5-10 business days to resolve this and there was nothing they could do to speed up the process, even if they realize that I did not authorized the payment! When I asked them to listen to my conversation over the phone that is supposed to have the authorization, they claimed that I need a court order for that. 

The outcome of the whole story is that they can charge people uncontrolled, and even if they admit to be wrong, they will still refund in irrational time-frames ( half a month ). I think this is unethical and suspicious ; I strongly believe that it is illegal to take someone 's money without an authorization and on top of that use those money up to 15 days without offering at least a compensation for their own mistakes.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I submitted this complaint again to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance : 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