davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year>, there was an unauthorized transaction made through my Chase XXXX account. An unidentifiable party accessed my phone, added themselves as a new contact on my XXXX, and sent themselves {$720.00}. I did not immediately report this the day of as I didnt know that this had even occurred. Two days later, when checking my statement, I saw the transaction and immediately reported it to Chase. 

The Chase Fraud team was initially receptive to my claim, issuing me a credit and closing my bank account for enhanced security. Following their directions, I physically went to my nearest Chase branch and opened a new bank account. 

Today, on XX/XX/XXXX, I received a letter stating that Chase found no wrongdoing with my account and is thus reversing my credit. When I called Chase XXXX again, they refused to re-open my claim and told me to stop calling them if I can not provide proof of the fraud. When I explained to them that there is no possible way to prove what has occurred ( a stranger accessing my phone while my phone was not in my vicinity ), they place me on hold and hang up. Ive called them three times today, and this has occurred each time.

Im reaching out because I have serious doubts that Chase conducted this investigation to protect me, the consumer. For example, one of the fraud agents today informed me that part of the reason my claim was denied because I have a history of using XXXX. I do indeed have a history of using XXXX  but all of my XXXX transactions are authorized and made to my contacts. One look at any of my statements will show the same, familiar names I send payments too. The difference is that these are payments authorized by me and thus are no problem. 

What I have never done, as Chase could have seen, is add a new contact ( that is not even in my phone ) and instantly send them {$720.00}. Ive never sent any money to someone named XXXX, and I have NEVER sent money to a newly added contact with that high of an amount. This should have been flagged as-is, but it was not. 

Therefore, I am reaching out in order to recover my {$720.00}. This is my hard earned money that I make from working a part-time job. Ive banked for over 5 years with Chase and had absolutely no issues, but I have fraud occur to me this one time and I am now being treated with suspicion and contempt from Chases team. Again, I affirm that I did NOT authorize this transaction. Chase is asking for proof in bad faith, as they are aware that I can not provide physical proof due to the nature of the fraud that occurred. I would greatly appreciate it if a solution could be found here. Thank you.
Consumer complaint received 2023-11-21
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. (AZ)

I hope this letter finds you well. I am writing to dispute the accuracy of a collection account on my credit report. The account is under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, with the account number XXXX. The original creditor is listed as XXXX XXXX XXXX XXXX, and the reported balance is {$310.00}. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across XXXX and Equifax credit bureaus. I would like this account to be removed from my credit report profile. 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 an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I do not recall having any account with XXXX XXXX XXXX XXXX that would result in this reported debt. Given the lack of familiarity with this account, I request a thorough investigation into the validity of the reported debt. 

Details of the disputed account : - Collection Agency : XXXX XXXX XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX XXXX Reported Balance : {$310.00}. 

As a consumer, I am entitled to accurate and verifiable information on my credit report. I kindly request Equifax to investigate this matter promptly and, if the debt is found to be invalid, to remove the aforementioned collection account from my credit report. I have enclosed the following documents, -FTC Report -Current Utility BILL, -Current State ID, -Current SSN. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I appreciate your attention to this dispute and anticipate a timely resolution. Please provide written confirmation of the results of the investigation. 

Thank you for your assistance in rectifying this matter.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I called Wells Fargo to inform them that I had been overcharged {$1500.00} for services/merchandise I did not receive. The agent informed me that she would be submitting a dispute on my behalf and for me to email any documentation, in which I immediately did. No other information was given to me. On XX/XX/2022 I received a voice mail from Wells Fargo letting me know my claim had been denied. I immediately called back and informed them again that I had not received any service/merchandise for the charge of {$1500.00}. I was asked to submit more documentation in which I did as soon as possible. On XX/XX/2022 I received an email from Wells Fargo stating my claim had been denied however, I was unable to open the attached documents in the email. On XX/XX/2022 once again I called Wells Fargo and was told by an agent that they were still investigating my dispute. On XX/XX/2022 I received a call from Wells Fargo. The agent informed me that my claim had been denied again. I explained to him that I had not received services or merchandise and I was being charged and forced to pay for something I never received. He became loud, argumentative and would not let me speak. I asked him why was my claim denied. He stated because it was submitted as cancelled and not as services/merchandise not received. I informed him Wells Fargo agents submitted the claims on my behalf and I had no control over that. I asked him to resubmit the claim and he said no and refused while being rude and talking over me. It was clear that he had no interest in helping me, cared about what I had to say or cared about being charged such a large amount for nothing. Wells Fargo has since put the charge back on my card and is unwilling to work with me or assist me in any way. I am disputing this charge because I am being charged for something I never received. Whether it was cancelled or not I did not receive anything for this charge of {$1500.00}.
Consumer complaint received 2018-12-16
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. (GA)

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that TransUnion, XXXX, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. XXXX failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track record of you not sending documents back to me. Please forward me an updated credit  report after you have completed your deletions and corrections of the following accounts from XXXX, XXXX, and Transunion. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XXXXXXXX XXXX   XXXX XXXX - XXXXXXXX XXXX
Consumer complaint received 2023-11-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: TRUIST FINANCIAL CORPORATION (FL)

I am an employee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have undergone extensive vetting and no financial irregularities were found in my background. 

The thrust of the SunTrust allegations are XXXX pages of charges that are identified by the name of " XXXX XXXX '' with no address, no social security number, and no personal identifying information. In fact, the documents do not have an account number. Furthermore, each XXXX of the XXXX pages are marked as " XXXX XXXX of XXXX '' so this is not a running list of charges. In addition, there are no vendors listed and no vendor identifying information - only amounts and dates. 

In XXXX, an author named XXXX XXXX wrote a book entitled " XXXX XXXX '' which chronicled how this kind of paper is created in order to exploit consumers. The " paper '' sells for pennies. He said that in one such " XXXX XXXX '' foreclosure, the Defendent merely asked for a " sworn statement '' from the bank attesting that the charges were made by the Defendent ; and the bank immediately dropped the foreclosure. 

It looks like Truist sold this " bad paper '' on XX/XX/XXXX for {$2400.00}. On the other hand, I have spent a small fortune on my home and it is worth {$400000.00}. This is an illegal foreclosure that must be stopped!
Consumer complaint received 2018-12-16
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: United Resource Systems, Inc (CA)

XXXX has taken the debt companies explanation of terms and conditions of a XXXX  office where I never received any service nor signed any wording abligating me to pay for services my at the time XXXX year old daughter never recieved. There is no valid proof of the debt from a sleepy debt firm with thousands of complaints for extortion and an account that is completely invalid the office extorted me to take my XXXX  review down in order to wipe the debt that never should have exsisted XXXX XXXX XXXX
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

We closed on our house on   XXXX   XXXX   XXXX   XXXX   wit h Quicken L oans. In   XXXX    XXXX   XXXX  , when making our online payment I noticed a large credit of about {$3000.00} towards the account. Not understanding where this came from I called to inquire about it. I was told that at closing they over estimated taxes and insurance and that it was going to be refunded to us. We received a check a week later. In  XXXX  we were told that they recalculated our escrow and were lowering our payment by {$50.00} per month. Towards the end of  XXXX  we finally decided what to do with the refund and proceeded with flooring and paint. Days later I received a notification that our house payment is now going to be {$200.00} more each month because they mistakenly refunded us money and they would like it back. Um. What? We called, verified and waited 3 months to spend that! Not only that, but every month, I was paying {$50.00} per month over our monthly payment towards principle, and while not an enormous amount of money that was {$600.00} per year that I will not be able to pay towards my principle. So, they are now tying this 'repayment ' to my mortgage. Can they do that? The point is that I should not be held accountable for this money as I did EVERYTHING  right.  If I call to verify and am reassured that this is indeed 'for real ' and even wait to spend it ... .I do n't really care if they are gracious enough to drop {$200.00} into my escrow account but I am still responsible for the balance. I do n't care if I had {$5000.00} sitting in my savings account ( which I do n't ), they should not be able to do this. If your boss gave you a bonus at the end of the year and then realized they gave you too much ... and then docked your paycheck for a year ... ..
Consumer complaint received 2023-11-21
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: EQUIFAX, INC. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (PA)

In accordance with the fair credit reporting act, this creditor, XXXX  has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX Inquiry :XX/XX/2023. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (OR)

XXXX  won't allow any virtual currency withdrawals despite saying the funds are available, and past the " cooling off '' period. Company requests increasingly inconvenient methods of verification and despite all being provided, no response or action taken. Money is shown in account, available, currency can not be withdrawn despite all normal procedures and verifications done as well as all additional verifications requested.
Consumer complaint received 2023-11-21
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: EQUIFAX, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXXXXXX XXXX Balance : {$290000.00}.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (FL)

Discover account was open in XX/XX/XXXXXXXX  and on XX/XX/XXXXXXXX  the account was closed because Discover says they were unable to verify personal information and they closed the account. I was telling them all alone this wasn't my account. this item is still on all 3 of my credit report saying I owe XXXX dollars and its continuing to increase each month divesting my credit. It has hindered my from refinancing thus has cause financial trauma to me and my family. I have made over 10 plus attempts to the 3 credit bureaus and discover card them self with no resolved solution.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On Friday, XX/XX/2023, I received a call from XXXX at XXXX. The man was claiming to be from Wells Fargo 's fraud department. He advised there was fraud activity on my account. He provided a numbers for each transaction and advised me to write them down. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( didn't write what this was for ), and XXXXXXXX XXXX XXXX. I asked how all these places are being used so quickly, he said they were in a mall in Texas. I asked, how do I know this is Wells Fargo 's fraud department, the man provided my full SSN and DOB. After he provided that information, I believed he was with Wells Fargo 's fraud department. Then he told me he would have to close out my debit card but he needed the PIN in order to close and reissue a new card. I provided the PIN and then he asked for my husband 's information. He provided my late husband 's name and I said no, that's my late husband. I then provided my current husband 's name and he wanted me to provide his debit card information because he thought we had a joint account and his debit card would have been involved. That is when I realized it was fraud and the man hung up.
Consumer complaint received 2023-11-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synerprise Consulting Services, Inc. (TX)

Medical bill - violating HIPAA laws. Damage done to my credit. Per consumer laws and new Covit-19 related laws this debt should not be listed on my 3 credit bureau reports . Violation of my rights.
Consumer complaint received 2023-11-21
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: Possible Financial Inc (WA)

15 U.S Code 1666b ( a ) They can not report a late payment as late without first sending me all information required under this law in a statement at least 21 days before the due date. 

I asked them twice to verify that they sent this information to me which they have yet to verify.
Consumer complaint received 2024-07-04
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

This is for Synchrony Bank. I have never missed a payment on any credit cards with them or anyone else. XXXX and XXXX payment always on time as well. I have 100 % on time payment history and many of my cards did not have a balance. Without notice they lowered limits on cards with a balance, and closed cards with no balance. XXXX no balance card had {$2600.00} available credit, another {$4600.00}. Again, I have never missed a payment and have paid cards off in the recent past. This caused customer harm to me by changing my overall credit usage % and lowered my score XXXX points! The cards they lowered limits too they lowered it so I was maxed out after. How is this allowed? If you look at comments on social media I am one of thousands. This is not right!
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (GA)

I requested a card replacement and my account compromised & this is my business account The representatives and management are commiting coercion and organized crime to defraud me. My name is XXXX XXXX XXXX My social security number is XXXX XXXX XX/XX/1996 My updated phone number is XXXX