davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
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)

Accounts that are in disputes and I have a pending lawsuit against the credit bureaus for not removing accounts that are fraudulent and the phone call I had with Experian and XXXX was unsuccessful and the disputes were denied I didnt not open up a XXXX XXXXXXXX XXXX XXXX XXXX XXXX in my name and Im requesting a account to be removed off my credit report A account called XXXX XXXX  is reported on my XXXX report XXXX is not removed the rep refused to block this account I send in documents at my own expense and they are wasting my money
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

15 USC 1692g : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion.
Consumer complaint received 2024-07-07
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: JPMORGAN CHASE & CO. (UT)

From : XXXX XXXX Account Number : [ Your Account Number ] Dear Chase Bank Customer Service, I am writing to file a formal complaint regarding two charges on my Chase credit card related to a recent stay at XXXX XXXX  of XXXX XXXX. The details of the charges are as follows : XX/XX/year> : XXXX  XXXX NV {$130.00} XX/XX/year> : XXXX XXXX XXXX XXXXXXXX NV {$340.00} During my stay, I was unjustly removed from my room due to a mishandling of my registration by the hotel staff, resulting in significant inconvenience and additional expenses. 

I initially disputed these charges with Chase and was requested to upload a supporting letter detailing the incident. I complied with this request and provided all necessary documentation. However, there was an error in the process, and the dispute was not reopened, leaving me with these charges on my account. 

Chase 's dispute manager acknowledged the error and provided a {$100.00} credit as compensation. While I appreciate this gesture, I do not believe it adequately addresses the inconvenience and financial impact I have experienced due to this incident. 

Therefore, I am requesting Chase to reconsider the dispute and take the following actions : If any information is needed regarding this, please send me an email or give me a call. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd (UT)

I had both a personal and a business account through Wise.com to send and recieve funds from overseas, as well as to send domestic payments. I have been using this service for over a year and I had also created a XXXX ( XXXX ) account to recieve payments. I have sent over XXXX payments to vendors and personal contacts for over a year without any problems. I have a customer who I thought was based in XXXX who said they would send me XXXX for a payment for product they purchased. They sent the roughly {$26000.00} USS worth of XXXX to the XXXX account I had opened with WISE.com but rather than process the payment Wise sent me an email saying this transaction was from a XXXX company which of course is banned from trading with US companies due to the war in the XXXX. 

I didn't recieve the funds and they returned the money to the XXXX bank account. Imagine my suprise when Wise closed my account without warning for a 3rd party simply trying to send me funds. I never got the funds and I didn't do anything wrong. 

I am now having real trouble sending funds abroad due to this issue. I really want to continue to use their service and asked them to close the XXXX account I had set up and just let me continue to send funds. They refused.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (IL)

I have called every day for XXXX days starting XX/XX/year>. I have tried to have them issue back my credit balance from a refund from a doctor to my credit card of {$2000.00}. Two times I was told it will take 17 days and they have to mail a check to other times. I was told they would put it back in my checking account the same one with their bank that I use to make my payments on that credit card. I never get a answer. Today they said it has to wait and be reviewed for 17 days before they decide if I get my money I said is it being reviewed? She said its in the XXXX refund department of US Bank. I asked her to please check with them and see the status. She said Im looking at the status and it says you have to wait XXXX days before they decide. This is an obvious credit refund. There should be no questions asked give me my money and its {$2000.00}. I had to pay the bill because it was due before I got the refund so that caused the credit XXXX once the refund was processed by the doctor. Otherwise I wouldve had to pay very steep of XXXX XXXX. I dont do that. I pay in full each month. I said it would be very simple to put it into my checking the one I used to make the payments every month and XXXX of them I said well thats just not possible! I still dont have my money sent to me I ask how will I know its been sent to me and she could not answer that when I sign into my account online it shows a credit balance balance on that credit card of {$2000.00} no change from how its been all week.
Consumer complaint received 2023-11-15
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. (IN)

In accordance with the fair credit reporting act XXXX  Account # XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc. (MI)

Credit score started dropping. In investing the dropping scores, I found out there was a debt collection from XXXX XXXX ( some kind of loan organization in XXXX XXXX ) for {$650.00}. I got the the information from Bounce AI. I have no knowledge of this company or the charge. I do not owe them anything. I attempted to contact XXXX XXXX via phone call, and they were apparently unavailable.
Consumer complaint received 2016-06-21
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY (GA)

My Serve prepaid account was closed. I have yet to request our FINAL statement ledger showing deposits, withdrawal and ending balances. We were only sent some statements but not all. Most importantly the final accounting of the main Serve account as well as the XXXX subacccounts associated with it.
Consumer complaint received 2024-07-31
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. (IL)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (OH)

I have not been able to get online to check the status and terms of my variable interest rate mortgage. I have spent hours trying to get on line and have called the company. They have had the wrong phone number for me and changed it. Today I tried again with my password and username that were not incorrect. The website again said these were incorrect and wanted to text or call me to what appeared to be the correct number but the call did not go through. 

I requested paper statements. My most recent states of the XXXX I paid, XXXX went to principal. Year to date {$820.00} to principal and {$5600.00} to interest. 

This seems predatory to me. I work 2 jobs and don't have time to spend hours trying to get someone to discuss this with me. My paper statement says PENDING on any additional information.
Consumer complaint received 2024-06-28
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: GOLDMAN SACHS BANK USA (NC)

My apple card was hacked off my iphone on XX/XX/XXXX for the following amounts to target. 
{$970.00} {$980.00} {$1200.00} $ When I noticed the erroneous charges, I notified Goldman Sachs immediately. I have spent many hours on the phone with them. Have since taken my card off phone and stopped using it. They temporarily reversed the charges pending investigation. On XX/XX/XXXX, I received XXXX emails stating I was responsible for the charges which I did not make, and they were putting them back on my card. I called immediately to dispute the decision and the cases are reopened. Do I need to file a police report? I did not make these charges. This is very frustrating and disappointing. 
My case numbers with Goldman Sachs are : XXXX XXXX XXXX Apple Card is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX. 

Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Please help me. I have uploaded some of the emails but I have more. Thank you.
Consumer complaint received 2024-06-22
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. (PA)

I am writing to delete the following information in my file.The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit.Please delete the items as soon as possible.
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (CA)

I am in financial hardship due to Googles lack of doing their job after fraud has been reported. I have someone ruining my life and I don't know why or who. All I ask is that the account be blocked from any and all purchases as XXXX did. I deleted my cards from Google XXXX  and my Bank card is back along with a Google XXXX credit. The app is called XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Google refused my refund and you can not speak to anyone or go into detail. They said to contact the creator and the creator says to contact Google. I was told these were made by me and I was denied via email. 

My phone and account for XXXX was compromised. I had the phone factory reset and I purchased XXXX XXXX XXXX  for my personal information safety. I filed a complaint regarding ID theft and am reporting on here. 

The merchants for this one virtual casino game are all different 1st red flag, second I am aware they are being sued for online gambling in a class action they even have a problem gambler hotline, I myself prefer if I were to gamble to be able to win real money the entire thing is ridiculous and these companies Google XXXX XXXX don't care who they are hurting as long as they get real money for virtual money even at the hands of someone commiting fraud to do it. 

They need to return my money and cancel this XXXX XXXX account in my name and they will never hear from me again now that ive suffered through having to figure out what the heck was going on and what to do to prevent it it was very stressful and I wish I could sue. The charges are over {$1000.00} total. Google does not feel safe anymore I have to change everything and I no longer have XXXX because they only take google pay.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (GA)

When calling chase bank XXXX number their staff are overseas unable to further help customer. Once again, they have failed to conduct the proper investigation and they offset my account on XXXX separate charges that I reported unauthorized. I lost my entire phone wallet near XXXX XXXX, I had no shared no PIN number to my debit card there were no withdrawals but people got away with XXXX separate purchases for {$82.00} and {$50.00} Chase DOES NOT offer Regular checking CUSTOMERS an easy way for us to get in touch through the app or freeze our cards or call in for fraud And yet they wan na make us liable for this. I request that you investigate this how many more customers are suffering their misshandled fraud cases
Consumer complaint received 2019-05-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

Chase advertised a {$500.00} rebate if I sign up for their mortgage, so I did. They never paid me the {$500.00}. They said I didn't meet all their conditions, but their conditions were misleading and not clear. 

Mortgage closed on XX/XX/XXXX. At the closing, I signed a paperwork with escrow and my Chase mortgage bankers, saying I will use my chase checking account to direct pay my mortgage, and I asked Chase mortgage bankers whether that will be all, for me to quality for the {$500.00}. They said yes. 

I then went overseas to XXXX for a month for work, when I came back in XXXX, I didn't get the XXXX, so I patiently waited another month. In XXXX, I emailed my Chase mortgage banker, inquiring where the XXXX is. He got me in touch with their complaint department. Chase complaint department told me I didn't sign up for paperless billing so I did immediately but they said it's too late, over two months now. 

BUT, 1 ) Chase mortgage banker told me at closing that it's all good and I don't need to do anything else to qualify for the incentive ; 2 ) I  went overseas ; 3 ) I was only less than a month late to sign up for paperless ; 4 ) all my other chase accounts were already paperless so I had no idea the mortgage payment wasn't set up by default to do paperless ; 5 ) I never received any paper mortgage statement until XXXX. 

This is deceptive marketing : Chase put the {$500.00} rebate in big bold letters then somewhere using very small font to hide the conditions to quality for it. They set up a trap for me to not qualify - while all my other Chase accounts were already paperless, they set my mortgage payment to paper payment, and they never sent any paper statement until after 2 months when it's too late! How could someone with busy work schedule remember all their fine prints? I tried to reason with them : their 2-3 paper statements don't worth {$500.00} but they still denied my claim. I have an XXXX degree but I still overlooked this small fine print, imagine how many other people will miss this. 

Chase should credit what they owe me.
Consumer complaint received 2024-07-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Penn Credit Corporation (MO)

XXXX - id # XXXX spoke with XXXX XXXX XXXX XXXX- {$1000.00}. XXXX XXXX XXXX account sent date - XX/XX/XXXX XX/XX/XXXX - XXXX XXXX would not tell how many times they texted or call this number. 
XXXX On XX/XX/XXXX - A third party sent me a screen shot of a text she received from a company outlining that they were a debt collector, listed company name and who they were collecting on behalf of. Allowed her to tap a link and gave reference number which then allowed her to see all of my information. This number is not listed nor has ever been listed as a contact number for me. 

Text was sent XX/XX/XXXX at XXXX, XXXX ID XXXX XXXX stated he would have XXXX  reach back out within XXXX hours, and they never did. Company has taken no steps to rectify this mistaken. Was extremely embarrassing and hurt my relationship with my business partners.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$3200.00}
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Late Payments ( 15 U.S. Code 1666b ) Charge Off 's ( 15 U.S. Code 1601 ) Repossessions ( 15 U.S. Code 1601 ) Bankruptcy 's ( 15 U.S. Code 1681b ) Collections ( 15 U.S. Code 1692c ) Hard Inquiries ( 15 U.S. Code 1602p ) 15 is code 6802 obligations with respect to disclosure of personal informations I need all inquiries get removed! And 15 usc code 6805 Enforcement ( A ) To remove the inquirys And putting my score to 850 if you find any charge offs they are certificates of indebtedness which means its converted into money and you can not put onto credit report.

A Charged Off turns into a certificate of indebtedness Charge offs become income according to the IRS Publications Charge Offs only apply to my income tax so remove immediately!!!!
Consumer complaint received 2024-07-01
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. (PA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Movement Mortgage LLC (SC)

Hello, Please support me with the issue that appears after the second appraisal. 
I'm trying to understand and find a solution. 
On XX/XX/XXXX, the bank ordered an appraisal, and the report returned with the opinion value of {$600000.00}. After a few days, the bank ordered another appraisal, and it returned with an opinion value of {$560000.00}. 
The difference of {$49000.00} between two reports made by the same person, and the fact that XXXX from the XXXX comps were excluded and replaced with the new XXXX without any explanation. From the XXXX new comps, XXXX is in the status under contract, another is in the status Active, 70 days on the market with the price adjustment, and another has been back on the market four times with a total of 130 days on the market. Also, was used as a comp, the house that is XXXX older than the subject of the property. 
Extra amenities such as pool with the new pump, fancied backyard, cul de sac lot, patio, roof from XXXX, new heat pumps from XXXX, new carpet, new countertops and the kitchen sink, was not considered or have a low value in report. 
I have submitted the rebuttal form to the bank, but unfortunately the terms of that form seriously limited me becose I can not use the comps that was used by the bank appraisal. Taking in consideration the fact that the bank made appraisal twice, and used in total XXXX comps, I do not have much choice, also terms are limited me with the distance to the subject of property, so comps that has left was or with the higher distance, or irrelevant.
Consumer complaint received 2024-07-05
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (OR)

This company was calling me every day multiple times a day I asked them not to contact me and they continued to I have a XXXX  and they have harassed me to the point of waking my XXXX  up from multiple naps in a day. The also tried to call my boyfriend even though his number was never provided by me to them or the original company. He has also asked them to stop calling. Also this debt is fraudulent because I cancelled my services with XXXX on two separate occasions and they arill charged me for two months of service after cancellation was confirmed.