davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (MN)

I was contacted by XXXX XXXX, a Relationship Banker at Chase, who informed me about a new branch opening in my area and a promotional offer for a {$300.00} bonus if I opened a checking account and made a direct deposit. I expressed concern about qualifying for the bonus due to my lack of employment or social security income. XXXX assured me that a direct deposit from an existing checking or brokerage account would meet the requirements. 

Following his advice, I opened a checking account at the new Chase branch and made an ACH deposit from my XXXX XXXX account. When I did not receive the bonus, XXXX suggested I try another deposit from my brokerage account, which I confirmed was also an ACH deposit. Despite following his instructions, I did not receive the bonus. 

After multiple attempts to contact XXXX, I discovered he no longer worked at the branch. I spoke with XXXX, the branch manager, who informed me that my deposits did not qualify for the bonus. I explained that XXXX 's misleading information led me to open the account under false pretenses. XXXX apologized and said she would submit a complaint. 

Subsequently, I was contacted and apologized to, but felt that an apology was insufficient given the time, effort, and financial inconvenience I experienced. I also contacted Chases fraud department, which referred my case to a review committee but did not provide a timeline or guarantee of feedback. I believe I was misled into opening the account and am seeking compensation for my time and financial losses, beyond just an apology. 

**Emails Summary : ** - **XX/XX/2024** : XXXX  introduced himself and provided contact information.

- **XX/XX/2024** : I asked XXXX  to verify if my XXXX XXXX deposit was an ACH, as required for the bonus.

- **XX/XX/2024** : XXXX  confirmed he would follow up on the bonus.

- **XX/XX/2024** : XXXX  noted the XXXX XXXX deposit had not worked and would investigate.

- **XX/XX/2024** : I inquired about the status, and XXXX  advised waiting for the next Tuesday.

- **XX/XX/2024** : I notified XXXX  that the bonus still hadnt appeared.

- **XX/XX/2024** : Following XXXX  advice, I made an ACH deposit from my brokerage account but still did not receive the bonus.

- **XX/XX/2024** : I requested an update on the bonus, but did not receive a response from XXXX.

Thank you for your attention to this matter.

-- - Let me know if you need any more adjustments or additional details!
Consumer complaint received 2024-06-12
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: CITIBANK, N.A. (MI)

On XX/XX/year> purchased weed whip, mums, recycle bags clerk urged me to get {$50.00} off by opening new credit card. I was led to customer service counter. Presented my current drivers license. The clerk was multi tasking with phone and other customers during transaction. He used his computer said sign here I signed and went to complete sale at cash register. I waited for bill as expected it did not come. But on XX/XX/year> I received a letter saying there was undeliverable items. I called Home Depot about it the woman said card was returned. Never mentioning the address was one of 20 years ago. How did I receive this letter but not the bill or credit card. I assumed she fixed the problem she cancelled the card she said At time I had another Home Depot card I was paying off and I fact did a few months later I assumed the amount was transferred to this account. When applying for a home loan last year I discovered there was a delinquency on my account. 
After numerous phone calls to city bank and Home Depot and the credit collector it took me figuring out that the clerk opening the card had put my 30 year old address on the account opened in XX/XX/year>. 
All the correspondence had been going there the amount owed was not transferred to the other card. I never received the bill due yo wrong address. 
I have appealed to Home Depot numerous times. 
I have settled with collector for much more than the original purchase would have been had i not accepted the promotion. 
How could I get a letter addressed to my XXXX  address stating they had returned mail. Yet they did not notice the billing of that card was an old XXXX  address. 
Even the collectors had the old address in XXXX. 
I would like my credit report delinquency on this issue removed. It was their clerks fault he picked up my wrong address I called did all the right things. But they never caught it. 
Until I figured this out. 
If you look at my credit report you will see I have no other delinquencies and have far more items paid than the small sum that was charged. I pay my bills. Someone please put two and two together and see this was a clerk error. A customer service error when I proactively called in XX/XX/year>. I have the letter received still from XXXX. They had my proper address on the notice of return mail. But neglected to see the new account was opened with my XXXX  address of 20 years ago. Hence all correspondence was still going there. 
Thank you.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 2024-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: GOLDMAN SACHS BANK USA (MN)

I called Marcus upon learning of my fraud issues with my bank. 
I requested a transfer along with changing some email and contact info, They have locked me out. Wont send me money. Continue to boldface lie. Lies extend to giving me false ticket numbers as well as info stating what they are doing to fix it. 

They are currently withholding XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I am writing to dispute a fraudulent charge on my Account Number XXXX with USAA I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies ( CRCs ) to which you provided it. 
In accordance with Law 15 USC 1681B, the Fair Credit Reporting Act ( FCRA ) section 605B stipulates that it is unlawful to report information without my consent. Additionally, under USC 15 section 1681, there is an obligation to ensure accuracy, fairness, and privacy in the reporting of assembled personal information. 
Failure to remove negative items upon dispute may result in a liability of {$1000.00} per item, as outlined in 15 USC 1681n ( Civil Liability )
Consumer complaint received 2024-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MI)

My current loan servicer has failed to account for {$8100.00} in loan payments that I have made. In XXXX of XXXX my loans were being serviced by XXXX ( " XXXX '' ). In XXXX of XXXX, I was notified that my loans were being transferred to XXXX. I made my last payment to XXXX on XX/XX/XXXX. On XX/XX/XXXX I downloaded a transaction report from XXXX that indicated that my total loan amount was {$180000.00} ( Exhibit A ). On or about XX/XX/XXXX my loans were transferred to XXXX. Between XX/XX/XXXX and XX/XX/XXXX I made additional payments to XXXX. In total I made {$8100.00} in payments to XXXX. ( Exhibit B ) In XXXX of XXXX, my loans were transferred to EdFinancial Services ( " EFS '' ). Since then, I have made additional payments to EFS that total to {$960.00}. ( Exhibit C ) In total since XX/XX/XXXX, I have made {$9000.00} in payments on my student loans. ( Exhibit D ). A number of these payments do appear to have been applied to my account. Per EFS my current loan balance is {$180000.00}. This is simply not correct. My current loan balance should be {$170000.00}.
Consumer complaint received 2024-06-12
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (CT)

On XXXX XXXX, 2024, I mailed a dispute letter to Wells Fargo Home Mortgage via USPS certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), requesting an investigation into inaccurate items on my credit report. The account in question is reporting inaccurately and with incomplete information. Specifically, I requested that Wells Fargo Home Mortgage provide the following information : Current payment status Date of last payment Date account opened Date account closed Despite my clear and thorough request, I have not received any response from Wells Fargo Home Mortgage. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a creditor is disputed by the consumer, the creditor must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Wells Fargo Home Mortgage has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that creditors must ensure the accuracy and completeness of information in consumer credit reports.
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (PR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX, XXXX XXXX XXXX XXXX, PR XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3400.00}, XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$27.00}, XXXX OF XXXX XX/XX/XXXX
Consumer complaint received 2024-09-11
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (IL)

I am writing to you regarding fraudulent accounts that have appeared on my credit report. I have recently discovered that my personal information has been used without my consent to open several accounts, which has resulted in inaccurate and damaging information on my credit report. I am writing in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, to request a thorough investigation and rectification of this matter. I have enclosed copies of documents that support my claim of identity theft, including FTC or POLICE REPORT These documents provide clear evidence that I did not initiate or authorize the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-10
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: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : US DEPT ED XXXX Balance Owed : {$1800.00} US DEPT ED XXXX Balance Owed : {$1900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$430.00}
Consumer complaint received 2024-09-11
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. (SC)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

I send a payment t ( {$520.00} ) o a close creditcard account of Bank of America but the dont refund until a made a complaint with you ( # XXXX ). They send a check XXXX to my bank XXXX XXXX  XXXX XXXX XXXX with any information of me. My bank, unable to apply the payment to anyone, returned to Bank of America the amount of {$520.00}. with XXXX on XXXX deposit on XXXX on bank. I try to reach without rsponse with XXXX XXXX XXXX XXXX Specialist of Regulatory Compaints of Bank of America, XXXX XXXX XXXX XXXX that work with me before this problem. She dont return my massage. I want that Bank of America send me the check to my address : XXXX XXXX XXXX XXXXXXXX, XXXX, PR XXXX or send to the bank with my name on it. Bank of America can reach me to my phone number XXXX.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (MO)

Purchased a visa NetSpend card an besides the cost of the card i also put XXXX dollars on it to pay my online bill 's tried to activate the card to use an NetSpend refused to honor the card in anyway i need the money to pay a couple of outstanding bills please help
Consumer complaint received 2024-09-11
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. (TX)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I hope this letter reaches you under circumstances conducive to prompt resolution. I am writing to express my growing concern and frustration despite multiple attempts with the unresolved issue of fraudulent items associated with my account. Despite my repeated attempts to address this matter through your designated channels, I regret to inform you that all efforts to remove the fraudulent items have been unsuccessful. The persistence of these unauthorized activities is causing me considerable distress, and I am alarmed by the potential impact on my financial standing. Ensure the successful removal of all fraudulent items and transactions linked to my account without any further delay. Provide me with a comprehensive update on the ongoing investigation into the origins and nature of the fraudulent activities. I understand that addressing such matters requires careful consideration and timely action. I urge you to treat this issue with the urgency it demands to rectify the situation promptly. Your immediate attention to this complaint is crucial. Please acknowledge receipt of this letter and inform me of the steps being taken to resolve the issue. I anticipate your swift response to restore my confidence in your services. I am asking for your help to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the noXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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