davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
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. (CA)

On XX/XX/XXXX, I noticed over 30 unauthorized charges on my checking account equating to a little under {$1500.00} ( exact transactions are laid out in attached documents ). All charges occurred from XXXX and were all for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had the card in my possession, but did not complete these charges. I cancelled my card and filed a claim with Chase. After XXXX weeks, Chase denied my claim. I received the attached claim denial. I called twice for more detailed information and, both times, the representatives stated that because I had the physical card in my possession and my PIN was used ( which is not possible or accurate because a PIN is not required for XXXX transactions, nor any online transaction ), I can not prove that someone else completed these transactions. I went into my local Chase Bank in hopes of receiving more support. I was instructed to gather supporting documentation as my last ditch effort in reopening this claim. I reached out to XXXX twice in the month of XXXX, sending the screenshots of the charges and asking them to provide me with details about the trips associated with the transactions using my card. My hope was to receive this information and present my alibi at the time of these various charges to Chase. XXXX has given me no response and I'm unable to located a support phone number to call. On XX/XX/XXXX, I filed a police report with my local police department. On XX/XX/XXXX, Chase did approve XXXX of the claims for a total of {$100.00} which were only the XXXX XXXX transactions. I was not provided with more information about why these claims were approved while the others were denied, outside of the brief statement in the claim approval/denials attached. Moreover, when I called Chase to " request the information [ they ] used for their research '' ( as stated in the Chase denied claim document ), they only sent me the claim statement in the mail on Thursday, XX/XX/XXXX, with a brief description ( attached ) of the reason for denial : " Your claim was denied based upon a review of account activity ''. I can provide proof as necessary of my XXXX account transactions which shows I never spend nearly that amount on XXXX in a short amount of time.
Consumer complaint received 2017-12-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (AZ)

I have an bank account with Ally Bank and I have used the wire function of the Ally Bank. 

I have found the process to be extremely slow and have called up multiple times to confirm the wire amount and beneficiary with the Ally Bank Staff. 

I have spent hours on the phone dealing with Ally Bank staff and their wire department staff. I am very dissatisfied with the wire service they have provided and I kindly request that Ally refund me the {$60.00} I have been charged on wires.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$460.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$810.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXXXXXX Balance : {$140.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXXXXXX Balance : {$310.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I have credit card with chase bank. 
I ordered for a firm foam with inner springs, on XXXX. 
One hour later I emailed to cancel the order because my room is XXXX too small The seller in XXXX refused to cancel the order. 
He shipped the order and XXXX delivered it on Saturday I didn't get the shipping label by charge I said I refuse the item FedEx delivered again the same item on XXXX  XXXX Looks like the XXXX driver did not like refuse the item. 
I put the mattress in my car and went to XXXX in XXXX XXXX XXXX XXXX  I slept in car to give the item personally to XXXX at XXXX XXXX when the open the store opens. 
They got the item on XXXX But they did not gave the credit back. 
In XXXX almost all sellers give free return charge. 
I told Chase Bank the owner of my credit card and they gave me {$110.00} credit But the bank didn't show me how to see the detailed transaction so from chase bank at XXXX at XXXX XXXX. I went to chase bank at XXXX XXXX XXXX, They showed me how to see the detail transaction The next day I went to Chase Bank on XXXX XXXX XXXX. 
The employee XXXX XXXX was very helpful I saw the XXXX seller has rebill me. 
XXXX XXXX talked with the chase bank phone number on the card because I am almost XXXX. He talked with the chase bank phone number on the card for me. 
He said they did not accept giving the second time. 
because they gave one time. 
The seller has his mattress, he won't give credit back and rebill me The Credit Card Company is supposed to help the consumer But Chase Bank refused. 
Also I returned a Folding Bed. But the seller charged for return label. 
The cost was {$53.00}. 
Chase Bank gave me credit for that. 
But later I saw another minus {$53.00} Maybe the seller has given me credit back. 
I told them to deduct extra {$53.00} from my transactions. 
They have not done so yet. 
Please help me. As you did two times before with Credit Card Companies.

I didn't know about online shopping. They are liers. crooks. 
The only way not to get trouble with online shopping is not to go online shopping which I am doing it now but late for those before.
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX - XXXXXXXX XXXX XXXX Date opened XX/XX/2020 Balance {$210.00} / XXXX XXXX  ( Original creditor : T XXXX XXXX ) XXXX Date opened XX/XX/2020 Balance {$0.00} /
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (NY)

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 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (FL)

Hello. I have been a customer of Chase since XXXX when they bought my account from Washington Mutual. After much research and my previous history with Chase Bank, I signed up for the XXXX XXXX XXXX in XXXX of XXXX. The offer on their website states ( and still does to this day ) 1 offer for this particular credit card. Spend {$3000.00} within the first 3 months of account opening and you qualify for XXXX bonus points. There are ways to earn above the XXXX as well. Chase only gave me XXXX points and no explanation as to why I did not receive the remaining XXXX. When I queried this ( several times ), I was told my application was for XXXX points after spending {$3000.00} within the first 3 months of account opening. I have asked several times, via social media, secure message and by phone, to show me proof of an offer that exists ( or existed ) for XXXX points. It does not make sense to have XXXX offers where you need to spend {$3000.00} dollars to achieve either XXXX or XXXX points. I have met the requirements of receiving the XXXX point offer. I was told that by several phone conversations, but no one can show me where the XXXX point offer exists or where my application shows I applied for that offer. I would like to be awarded the remaining XXXX points I am entitled to, since I met all requirements necessary to receive them.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (GA)

When I reinvestigated my credit report, I see that some of the information were erroneous. The 3 credit bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  Balance : {$12000.00}, XXXX XXXX XXXX  Balance : {$4800.00}, XXXX XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

My cards/ accounts have been compromised and now my account balances are over their limits and overdue. I have tried to reach out to the company to get these accounts fixed, but they have not responded. These accounts need to be resolved and charged off back to {$0.00} within XXXX business days as they are causing massive harm and emotional distress to my reputation per 15 US Code 1681c-2.
Consumer complaint received 2024-04-08
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. (MN)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must DELETE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
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)

I am formally address the ongoing issue of fraudulent items on my credit file, marking my fifteenth attempt to rectify this matter. Despite many efforts to dispute and remove these fraudulent items, they continue to persist, causing significant distress and detriment to my financial well-being. 

I have diligently followed the protocols outlined by your organization to address this matter. However, the lack of action and resolution from your end is deeply concerning and unacceptable. As a consumer, I have the right to accurate and fair reporting of my credit history, and it is disheartening to witness the persistence of fraudulent activity without appropriate intervention. 

Furthermore, I demand compensation for the undue stress, time, and resources expended in attempting to resolve this issue over XXXX attempts. Your failure to address this matter adequately reflects poorly on your commitment to consumer rights and protection. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 2024-01-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CREDIT ACCEPTANCE CORPORATION (WI)

XX/XX/2017 I was XXXX XXXX XXXX and was going over motor vehicle purchase contract and found missing information of the vehicle identification number and the odometer. I told them to fix the issues and I would come back and sign the contract. They never called back the vehicle was released to me that day. 2 weeks later I went back and requested the contract and was told it was taken care of. I still to this day have never had a signed contract with Credit acceptance corporation. And by Wisconsin statute trans 139.05 the contract must show include year, make, model, identification number. They also then submitted false statements about repairs made to the vehicle that stated they made repairs but only paid for XXXX  dollars of a diagnostic fee from a towing company. And made claims that they made XXXX in repairs and their receipt shows that money was to cover transportation cost not repairs. They used intimidating statements throughout the process. The sheer number of violations including requesting a judgement and repossessing a vehicle without a valid contract as well as damaging that property. This shows excessive unfair sales and consumer violations. They also violated the dot requirements to submit for repossession title and notify the state of any handling of this contract. You will also not the only initial on the contract is arbitration clause and that they voided arbitration clause on filing a summary judgement.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (NV)

I recently checked my credit report and noticed some accounts that I do not recognize and I have not authorized. I believe I have been a victim of Identity Theft. There are several mistakes and inaccuracies regarding the account status. I am demanding this account be immediately removed off my credit report. 

Bankruptcy XXXX XXXX I have contacted the District Court and they have confirmed that they have not given any private information in reference to this account.

I also have attachments along with this complaint containing the correct information.

28 USC 1746 Unsworn declarations under penalty of perjury
Consumer complaint received 2023-07-04
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XX/XX/XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$18000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX ND XXXX XXXX XXXX XXXX ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX - XXXX PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$18000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XX/XX/XXXX Months Company sold - Original creditor - Comments Account previously in dispute - investigation complete, reported by data furnisher Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address po box XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VI
OLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-05-19
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: Experian Information Solutions Inc. (OK)

I disputed collection account that was put on my credit and experian said they investigated and collection account met their guidelines to be put on my credit report in only 1 day. They did not get proof to show I owed this amount and they didnt show or tell me how I owe.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

After reading the XXXX article on CapitalOne with the subtitle - They Thought Their Money Was in High-Interest AccountsThey Got Paid Peanuts Capital One says its savings account pays 4.35 %, but not all customers are getting that - I figured out this same thing happened to be. When you go to their savings rates webpage even today, they dont even list the historical account type with the below market rate. Crazy. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP (GA)

Security finance in XXXX Georgia made up to 6 hard inquiries and ruined my credit. 5 of the 6 were unauthorized. The asst manager at the loan company told me that they didnt take XXXX XXXX card to pay bill. I XXXX XXXX her personally and she paid with her credit card Im assuming. Late payments reported and I feel like Ive been ruined. My credit was ruined during Covid and I have I believe XXXX because of all. I have repeatedly disputed the hard inquiries with the bureaus and Ive had no luck. Please help!
Consumer complaint received 2024-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (GA)

My account was permanently limited for no reason and now they are holding my {$200.00} and wont let me withdraw money. 
My account email is XXXX and the transaction date was XX/XX/XXXX.