davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-03
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. (NY)

I had a check stolen from the mail in XXXX, 2023 that was then altered and cashed at XXXX XXXX XXXXy the person who stole it. The check was very clearly a forged endorsement, because the person who signed the check did not even sign the same name as the payee that I had written ( and which they did not bother to change ), so Im not sure how they were even allowed to cash it. It was cashed electronically. At the advisement of Chases fraud department, I filed a forged endorsement claim and faxed the appropriate paperwork and information. I had to call multiple times to ensure that this claim was being processed, but then about a month or two later I was informed that the claim I was supposed to file was an altered check claim. I then changed the form to altered check and faxed it to the department. They did not receive the claim. I tried several times to fax the form, each time from a chase branch with the help of a chase employee. No one informed me that the reason it was not being received was because I needed to write the claim number on every single page. After another month or so I was finally able to fax my claim properly with the claim number, and I called the fraud line and they confirmed that they received the proper paperwork. I then received a letter in the mail about two weeks later saying that they did not receive the paperwork. They are now telling me that I need to fax it again. It is currently XX/XX/ 2023.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2023, my XXXX XXXX 's business credit card from Chase Bank was unexpectedly closed. The reasons provided were a history of poor credit performance with Chase and the total balance on my credit accounts with them. This situation arose following the closure of XXXX XXXX, where I was the senior pastor, on XX/XX/2023. The closure was due to a violation of the building lease contract by some church members. During this period, I incurred a {$1500.00} legal expense, charged to XXXX XXXX 's credit card, for dissolving properly the church as a non-profit organization. Unfortunately, this amount remained unpaid after XXXX XXXX closed its checking account and ceased operations. Believing this to be a business-related expense, I chose not to personally settle this debt. I have reached out multiple times to Chase to explain the unique circumstances surrounding the XXXX XXXX 's debt, and Chase took notes each time. Subsequently, I joined XXXX XXXX and was issued a credit card there, with no previous credit issues. Despite this, Chase Bank closed my credit card with XXXX XXXX and potentially reported negatively on my credit history. After a former member of XXXX XXXX learned of this impact on my credit, they offered to pay off the debt, and they did on XX/XX/2023. Yet, my subsequent attempt to obtain a new credit card for XXXX XXXX was denied. Currently, I am without a business credit card for my daily responsibilities at XXXX XXXX.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I wrote and mailed a check for {$1100.00} from our Wells Fargo bank account to the owner of an apartment complex which we had recently vacated. I received a call from the apartment owner on XX/XX/XXXX that they had not received the check. On the same day I went to the Wells Fargo website to and discovered that the check had been posted as cashed on XX/XX/XXXX by a person to whom the check had not been written. It was endorsed an unauthorized payee for Deposit only to a bank in XXXX XXXX. 
My husband and I have tried several times via phone and an in-person visit to the bank to rectify this and for them to make good on their error. They keep putting us off. I have kept all emails from them regarding this. It has been escalated and assigned to this person at Wells Fargo : XXXX XXXX. 
XXXX Representative XXXX XXXX XXXX XXXX po box XXXX, XXXX XXXX, SD XXXX I was referred to this website by a representative at XXXX XXXX XXXX XXXX in California as this is considered elder abuse.
Consumer complaint received 2024-05-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I moved into the XXXX apartment on XX/XX/XXXX, and moved out in XX/XX/XXXX. I was told I didn't have to pay the debt because of all the issues I was having. They never did any repairs after being told maintenance was coming to repair the issues. The following issues I was having are : The toilet was broken A crack in the window in my daughter 's room I had no stove for a month after moving in I had no heat during the winter tine After a month, I finally got a stove. When they came with the stove, I thought they were going to repair all the other issues, but they didn't. Because the window had a crack in it, bugs came in and my daughter was bitten. I called the office and went to the office on a daily about the problems. They kept telling me they would send maintenance. They never did. A storm came in and blew the entire window out. I called the office and they sent maintenance. I thought they were going to repair the window, but they didn't. They just put a piece of wood on the window, I stopped paying rent because they never fixed the issues. I told them I was going to move out. They told me not to worry about the debt because I wrote down all the problems I was having. Now I'm in another city and state and can't get another place because they put me in collections anyway. I called the office about the debt and they told me management was going to call. They never did. I called back to the office and the lady named XXXX told me to do what I got ta do, we can't help you. I was also told it's not their problem. They were very rude. Under federal law your landlord refuses to make the necessary repairs to make the property liveable, you are not to pay any rent. I need the XXXX Apartments removed from my credit immediately. 
This is the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Synovus Bank (TN)

I received a letter in the mail from Synovus bank in XX/XX/2023 stating my account was overdrawn by {$4000.00}. The letter was dated XX/XX/2023. I had never heard of this bank nor received anything in the mail prior to this. I did not open this account. I called the bank multiple times trying to get information and to tell them it was opened fraudulently. They would put me on hold until the call disconnected. They would not give me any information and would not let me speak to the fraud department. I was told the fraud department does not take inbound calls. The only thing they told me was that the account was opened online in XX/XX/2023, and they were closing the account right then as they were speaking to me. They said I needed a police report and then I could drive to the nearest branch and request the information. After I called them, I received a letter in the mail that was backdated to XX/XX/2023, before I called them and backdated seven days before the first letter I received from them ( the overdraft letter ), stating the account was closed. This isn't even possible since the account was still open when I received the overdraft letter and when I called them to report the fraud. 

I filed an incident report with the police and went to the nearest Synovus branch. They would not tell me if my drivers license was used, why the account was allowed to overdraft by so much, and they would not provide a letter of account closure stating I was not liable since it was opened fraudulently. They would not provide bank statements. They said they could not see any information on the account and were unable to give me any further information. I was still unable to speak with the fraud department. They gave me nothing but an identity theft information sheet. In this printout it states that I have the right to obtain the documents relating to the fraudulent account however they would not and did not provide these documents.
Consumer complaint received 2023-12-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (FL)

Since XX/XX/2022 Ive been trying to resolve a mismanagement of my mortgage with Well Fargo with no avail to the point of now attorney involvement. When I call the settlement number XXXX their response is they will call me. Since XXXX no call and several calls to the same number ends with the same brushing off answerWe will call you.
Consumer complaint received 2023-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (NC)

I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. 
Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, and, are not entitled to enforce a claim against me. In the event, you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and Federal Trade Commission, and file a police report against you for harassment and invasion of privacy. 
You have 30 days to provide strict proof of contract. In the event, you can not provide strict proof of contract, you must cease and desist all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WY)

a gentleman call me in regards to a personal loan that I applied for. He asked for me to send money and I declined. I provided account number and routing number only for the deposit. My bank account was hacked the next day. I noticed multiple unknown transactions. There was multiple transactions for remitly that was sent from my XXXX XXXX account. There were XXXX transactions for XXXX each. The caller first identified himself as XXXX with XXXX XXXX he communicated with the number XXXX. The remitly transactions that were fraudulent went to somebody in XXXX named XXXX XXXX, number XXXX. There are XXXX reference numbers are : XXXX, XXXX, XXXX, XXXX. There was also a XXXX XXXX transaction on XX/XX/28 for {$150.00} to XXXX XXXX. His senior loan XXXX communicated with me with the fake name of XXXX XXXX with XXXX  XXXX the number that was used was XXXX. He was harassing me to send money. I refused. I checked my bank account and it was completely drained, multiple unknown transactions. I tried to log in to my mobile bank app and was locked out so I called the bank and they said somebody hacked into my account from out of state. The bank put a hold on my account and wouldnt release me my funds so I could open a new account at a different bank. They would not let me have the money until investigation is complete that can take up to XXXX  days. I have no money, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I can not without my funds, need to pay rent etc. the bank treated me as if I did something wrong. The information provided is all I could investigate on my own.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

When I had submitted a dispute with Experian back on XX/XX/XXXX to remove the negative information with XXXX XXXX XXXX XXXX XXXX XXXX, the status went from Paid and Closed to Open. 
I just sent Experian another dispute letter yesterday to update the status as " Paid Current '', and " Closed '' since XX/XX/XXXX. I also enclosed the refund check for the overpayment XXXX XXXX XXXX XXXX had issued back on XX/XX/XXXX, and a former Experian Credit Report from XX/XX/XXXX showing the account was " Paid and Closed. ''
Consumer complaint received 2023-12-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/XXXX, I opened XXXX XXXX XXXX accounts totaling {$240000.00} with Bread Financials ( XXXX XXXX XXXX XXXX XXXX  ) 1. Before these CD accounts were opened or any service was provided, I did not receive any " account disclosures '' from Bread Financials, either via mail or email. 

2. At the time of account opening, I did not receive any " signed agreements with deposit terms and conditions '' or " disclosures on terms and conditions. '' 3. In XXXX XXXX, when I inquired with the institution about any potential early withdrawal penalties for the CDs, I was informed that I would need to pay a 1-year penalty to withdraw any money before maturity.

4. I notified the institution that I had not received both " disclosures '' and a " signed deposit agreement with full CD terms and conditions. '' 5. Further, I escalated the issue to the CEO of the institution via online customer service chat, requesting that they take full responsibility for failing to comply with required Consumer Acts and disclosure requirements before and during the opening of the CD deposit accounts. I also requested a waiver of the early withdrawal penalties.

6. However, on XX/XX/XXXX, XXXX days after my escalation, the institution notified me that it had suddenly suspended my CD accounts without providing valid reasons amid my complaints and escalation of the issues. See the full text message from the institution. 

7. As such, I have been deprived of my right to make an informed decision based on the institution 's full disclosure, as required by respective laws and regulations under Regulation DD and the CFPB XXXX XXXX XXXX XXXX Laws and Regulations. Therefore, I request that the institution take responsibility, at a minimum, by providing a full waiver of the early withdrawal penalties for those three CD accounts prior to maturity and resolving the escalated issue as soon as possible.
Consumer complaint received 2020-09-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear Mgr ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate ( XXXX # XXXX )? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-05-08
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: Experian Information Solutions Inc. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-02-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX XXXX RECENTLY SENT ME INFORMATION IN REGARDS TO ACCOUNT THEY CLAIM THEY PROVIDED FUNDING TO ME BUT I NEVER RECEIVED ANY LOAN FROM THEM. I REQUESTED THE TRUE BILL OF SALE, REPOSESSION AND INVESTIGATION ORDERS, LOAN DISCLOSURES AND IF THE ACCOUNT IS REPORTING AS CHARGED OFF, THE PROPER TAX FILING THAT DEBTOR/RECEIPIENT IS SUPPOSE TO RECEIVE FOR TAX PURPOSES, AS ACCORDING TO THE IRS WHO IS AUTHORIZED TO ENFORCE TAX LAWS. TD AUTO FINANCE HAS FAILED TO PROVIDE THESE DOCUMENTS TO ME VERIFYING THE ACCOUNT CHARGE OFF STATUS. THE INFORMATION THEY ARE REPORTING TO THE CREDIT BUREAUS DOES NOT MATCH THE INFORMATION THEY SHARED NOR ANY CONTRACT I SIGNED. ONLY CONTRACT I HAVE STATES XXXX TERM FOR MONTHLY PAYMENT OF XXXX NOT XXXX  MONTHS AT XXXX. THEY CHANGED THE CONTRACT WITHOUT MY PERMISSION OR KNOWLEDGE AND FORGED MY INITIALS ON THE ITEMIZED PORTION OF THE DOCUMENT. 
I HAVE FILED AN FTC REPORT AND WILL BE FILING FORM XXXX WITH THE IRS TO REQUEST AN AUDIT OF THE ACCOUNT. THE CONTRACTS CLEARLY HAVE BEEN ALTERED AND THEY ARE NOT PROVIDED THE TRUE BILL OF SALE, PROOF OF FUNDING, INVESTIFATION REPOSSESSION ORDERS AND TAX FILINGS. 
I WILL ALSO BE FILING A COMPLAINT WITH THE SECURITIES & EXCHANCGE COMMISSION FOR SECURITIES FRAUD. THE ACCOUNT IS NOW IN DISPUTE STATUS AND SHOULD NOT BE REPORTING IF IT DOES NOT MATCH THE TERMS EXPRESSED IN THE ORIGINAL CONTRACT, THAT IS FRAUD. 
THEY ALSO STATED THEY CHARGED OFF THE ACCOUNT, IF THEY DID THEY SHOULD BE PROVIDING THE TAX DOCUMENTS SHOWING THIS. IF THE ACCOUNT IS CHARGED OFF AT THE AMOUNT STATED IN THE LETTER THEY SENT ME HOW IS THERE AN AMOUNT ACCRUING EACH MONTH? IF THERE IS NO MONTHLY PAYMENT DUE AS YOU ARE REPORTING TO THE CREDIT BUREAUS HOW IS THERE AN AMOUNT ACCRUING? 

SENT LETTER TO WELLS FARGO INDENTURED TRUSTEE XXXX XXXX XXXX, THEY ARE ALSO RESPONSIBLE AND LIABLE FOR THE FRAUD THAT IS HAPPENING.
Consumer complaint received 2024-08-03
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. (UT)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.